M&S Bank Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyThis is the ultimate review to guide you through M&S Bank car insurance.
You might already know that M&S Bank offers several car insurance policy options.
Some are great, others not so much.
So if you want to get:
- Better value for money for your car insurance
- Indicative quotes
- Tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Is M&S Bank the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
We’ve studied in detail M&S Bank car policy terms and conditions and given our own ratings based on different criteria.
3,0 Safe overall rating for M&S Bank
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
A personal claims manager is assigned to each customer to deal with claims | |
| Cover provided |
Uninsured driver cover | |
| Value for money |
No renewal fee is charged | |
| Financial strength for pay out | Strong financial capability | |
| Technology |
Customer friendly website with a simple and easy-to-use interface |
Expert and customer reviews on M&S Bank
We compiled expert and customer reviews from independent institutions, to give you an overall idea of M&S Bank's reputation.
| Review organisation | Consumer satisfaction rates for M&S Bank |
|---|---|
| Defaqto expert rating for M&S Bank |  |
| TrustPilot | 2,8/5 based on 25 opinions |
To check if M&S Bank is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.
Our review on M&S Bank car insurance policy
M&S Car Insurance is arranged and administered by BISL (Budget Insurance Services Limited) and operated by HSBC.
M&S car insurance offers the Comprehensive cover, the Third party cover and the Third party, fire and theft cover. The Comprehensive cover offers cover for following:
- Liability to others
- Car audio, navigation and entertainment equipment
- Windscreen damage
- Personal belongings
- Medical expenses
- Personal accident
- Replacement and repair of locks
- Child car seat
- Uninsured driver promise
- Foreign use.
Alongside standard comprehensive car insurance, M&S also offers a Premier level of cover also rated 3 stars by Defaqto. The Premier option that M&S offers comes with the added benefits of a guaranteed replacement car which is provided for about 28 days after an accident, motor legal protection up to £100,000 and UK and European breakdown cover worth £347.95. These are the things that separates it from the standard policy.
What does M&S Bank car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at M&S Bank?
| Car insurance policy | Available at M&S Bank | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at M&S Bank explained in details
Let's find out what does M&S Bank covers in its car insurance policy.
Breakdown cover at M&S Bank
M&S partnered with RAC to provide breakdown cover and four levels of cover are provided. The breakdown cover is optional and can be added to an insurance policy. The following are offered with the breakdown cover:
- Roadside assistance: this includes labour and repair services at the scene of the breakdown
- Home assistance: this includes cover in the case that the driver’s car breaks down close to his/her place of residence
- Recovery: this includes roadside repair and recovery for the driver and up to 8 passengers in the case of a breakdown or in the case that the driver is unable to drive
- Onward Travel: this includes cover for foreign use in the case of a breakdown.
Keycare cover at M&S Bank
Marks and spencer car insurance provides Keycare cover under the comprehensive cover option and the following are offered:
- A sum of £500 in the case that the key has been stolen
- This covers the cost of replacement for the door locks, keys, ignition lock or boot lock.
Windscreen cover at M&S Bank
M&S provides windscreen cover and it offers the following:
- cost of repair or replacement provided an M&S approved repairer is used
- cost of repair for the bodywork in the case that the glass has damaged it.
If another repairer is used, a sum of £150 would be provided for repairs.
Motor legal protection at M&S Bank
M&S’s Motor Legal Protection cover includes the following:
- £100,000 to provide for uninsured loss recovery
- Provision of replacement vehicle and cover for cost of vehicle repair
- Provision of cover for legal expenses
- 24/7 Motor Legal Helpline.
Personal policy injury available at M&S Bank
The Personal policy cover that M&S car insurance offers is available for the insured and his/her partner and it offers the following:
- £10,000 in the case that the accident leads to death
- £10,000 in the case that the accident leads to the loss or use of any limb
- £10,000 in the case that the accident leads to the permanent loss of all sight in one or both eyes.
Coverage abroad at M&S Bank
Abroad coverage is available for all covers offered and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.
Courtesy car at M&S Bank
The provision of a courtesy car is subject to availability and the cover option is only available on the Comprehensive cover.
No-Claim Bonus (NCB) at M&S Bank
At M&S Bank, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.
Good to know
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
M&S Bank car insurance terms and conditions
How much does M&S Bank car insurance cost?
You'll find below indicative car insurance quotes at M&S Bank:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £106,16 |
| 40 years old | £43,78 |
| 60 years old | £32,28 |
Costs of M&S Bank insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at M&S Bank?
A cashback voucher is available for customers who have taken out a car insurance policy as well as a 15% discount for M&S Bank cardholders who buy an insurance policy online.
| Discount types | Comment |
|---|---|
| Discounts | A 15% discount is available for M&S Bank cardholders who buy an insurance policy online |
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!
M&S Bank car insurance policy summarized
Guarantees
| At M&S Bank | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | £500 |
| Personal belongings | £200 |
| Audio equipment | No |
| Medical expenses | £500 |
| Liability limit for property damage | £20,000,000 |
| Legal expense | £100,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | 21 days |
| Coverage abroad | 90 days |
Excess
| At M&S Bank | |
|---|---|
| Fire excess | Cost of damage is covered |
| Theft excess | Cost of damage is covered |
| Accidental damage excess | Cost of damage is covered |
| Windscreen replacement excess | No excess amount is required to make up for the unlimited services |
| Young driver excess | no |
Admin fees
| At M&S Bank | |
|---|---|
| Interest charged by payment installments | 23.50% |
| Renewal fees | £0 |
| Cancellation fees | Cancellation fees during cooling off period : £0 |
| Modification fees | Adjustment fee: £25 |
Other car insurance policies available at M&S Bank
How to contact M&S Bank auto insurance?
M&S Bank phone numbers
You will find all important phone numbers to contact M&S Bank car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 0344 871 2349 | Monday to Friday: 8am-9pm |
Quotes | 0800 107 1827 | Monday to Friday: 8am-9pm |
Complaints | 0344 858 6877 | Monday to Friday: 8am-9pm |
Renewal | 0800 107 1828 | Monday to Friday: 8am-9pm |
Claims | 0344 412 2160 | 24 hours a day |
Breakdown recovery | 0800 056 3402 | 24 hours a day |
M&S Bank other contact details
You'll find below M&S Bank main contact details:
| Contact details of M&S Bank | |
|---|---|
| Email address | no |
| Customer account with M&S Bank login | |
| Social media | Facebook, Twitter |
| Chatbot | Yes |
You can also contact them by mail by writing to M&S Bank car insurance:
M&S Car Insurance,
Fusion House,
Bretton Way,
Peterborough,
PE3 8BG.
How to claim at M&S Bank?
You can make a claim by calling M&S Bank's claims department: 0344 412 2160.
| Service | Car claim |
|---|---|
| Claim by phone | 0344 412 2160 |
How to cancel your car insurance at M&S Bank?
You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.
Since car insurance is a legal requirement, M&S Bank as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, M&S Bank has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.
You would need to have various documents ready such as:
- your policy number (right hand corner of your documents);
- your bank details; and
- your payment method in case there are cancellation fees.
M&S Bank could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.
