M&S Bank Home Insurance Review and Quotes

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Alexandre Desoutter updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if M&S Bank is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on M&S Bank home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is M&S Bank the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail M&S Bank's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,5 Safe overall rating for M&S Bank

Safe ratingOur opinion
Customer service & satisfaction
and claims

Standard and Premier rated 5 stars by Defaqto
Virtual assistant available to answer questions as well as call centres
 Easy to access information on website

Cover provided for your home

Unoccupancy period cover of 90 days
Up to £5M for owner's liability
Up to £100 000 for contents maximum sum insured
Burst pipe cover not included as standard

Value for money

No charges on monthly payments
No administrative fees (adjustments, payment default, cancellation fees of £0)
20% discount when buying policy online
Switching fees not covered

Financial strength

Owned by the HSBC Group (HSBC, First Direct)
Home insurance underwritten by Aviva Insurance Limited


Claim form online
Virtual assistant available
 Customer portal if you registered for online servicing

Safe rating for M&S Bank home insurance

Expert and customer satisfaction reviews for M&S Bank home insurance

Review organisationM&S Bank home insurance reviews

Defaqto expert

Standard: 5 stars
Premier: 5 stars

Smartmoneypeople3,6/5 based on 14 customer reviews
Overall Which? Score


Consumer satisfaction rates on reviews for M&S Bank home insurance

Our general opinion on M&S Bank home insurance

Founded in 1884, Marks & Spencer has now become one of the most famous UK street names. From retail stores to banking products (with M&S bank opening in 1995), the company offers wide range of products including car, home, travel and pet insurances as well as personal loans or other banking services.

The home insurance policy is underwritten by Aviva Insurance Limited. Both Standard and Premier levels of cover are rated 5 stars by Defaqto.
The Standard building level of cover already provides up to £5M owner's liability limit as well as £1M alternative accommodation cover. You will also get up to 90 days unoccupancy period cover. Damages to burst pipes are only covered if you take the optional extra though.
The Standard contents insurance policy also provides up to £100K of maximum sum insured and up to £10K for valuable item limit.

The Premier plan ranks even higher with unlimited sum insured for both contents and building insurance and accidental damage (including damage made by pets) provided as standard.

The company does not apply any administration fees nor charges on monthly payments.

What does M&S Bank home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at M&S Bank will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at M&S Bank covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

M&S Bank buildings and contents insurance

M&S Bank provides three main types of household insurance:

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Good to know

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

Good to know

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

M&S Bank building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£5 000 000

Alternative emergency accomodation

£1 000 000

Period of home's unoccupancy cover

90 days

Repairs guarantee period

1 year

Trace and access

£1 000 000

Burst pipe

Optional extra

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered


As standard

Underground services

As standard

Keys cover

Up to £1M

Flood and storm damage (except for fences)

As standard

M&S Bank building insurance

Good to know

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£5 000 000

Alternative emergency accomodation

£100 000

Period of home's unoccupancy cover

90 days

Damage made by pets

Not covered

Contents kept in garden

£100 000

Contents kept in outbuildings (garage included)

£100 000

Thefts from outbuildings

£100 000

Single item limit for valuables

£10 000

Items temporarily removed from home

£100 000

Money in and outside the homeInside:



£500 (under personal possessions cover - optional extra)

Credit cards in and outside the homeInside:

Not covered


Not covered

Business equipment kept at home

Up to £100 000

Student equipment

£100 000

Keys cover

Up to £1M

M&S Bank contents insurance

M&S Bank home insurance additional cover

On top of your M&S Bank buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1 000 limit per call out
  • Up to £1 000 limit for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1 000 for boiler repair
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £25 000 for personal possessions cover at home
  • Up to £10 000 for single item limit away from home
  • Up to £25 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £25 000 limit
Bicycle cover
  • Unspecified bicycle away from home cover available as extra
  • Up to £5 000 limit

M&S Bank home insurance excess

The deductible you'll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claims£250
Excess for subsidence claims£1 000
Excess for personal possessions£100
Excess for keys£100
M&S Bank home insurance main excess

M&S Bank home insurance fees and NCD

To manage your policy, renew, cancel or modify it, M&S Bank fees are as follows:

Fees applied to manage your M&S Bankhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to M&S BankNot covered
Home insurance fees at M&S Bank

How much does M&S Bank home insurance cost?

You will below indicative quotes for building and contents insurance at M&S Bank:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at M&S Bank

It is very difficult to give a precise range of how much exactly will your home insurance cost at M&S Bank as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

M&S Bank will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

M&S Bank home insurance discounts available

  • No discounts for buying combined policy
  • 20£ discount when buying online.

How do I a claim on M&S Bank home insurance?

At M&S Bank, you can make a claim either by calling the claim management team or by filling in the claim form online.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on M&S Bank home insurance?
Claim online

Claim form

Claim by phone

For policies number beginning with:
MHO: 0800 051 2556
830: 0800 111 4901

How to claim on my home insurance at M&S Bank

Good to know

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel M&S Bank house insurance?

To cancel your M&S Bank house insurance, here is what you need to know:

Cancelling your home insurance at M&S Bank
Cancellation notice if M&S Bank cancel your policy7 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

M&S Home Insurance,
PO Box 7463, Perth PH2 0YX.

Cancel by phone

0800 0517 760

How to cancel my M&S Bank home insurance

How to contact M&S Bank home insurance?

ServicesPhone numbersOpening hours

0800 111 4901


Claims for policies number beginning with MHO

0800 051 2556


Claims for policies number beginning with 830: 0800 111 4901

0800 111 4901

Mon - Fri: 8am to 8 pm
Sat: 9 am to 5 pm

Customer service

0800 051 4011

Monday to Friday: 8am-9pm
Saturday: 9am-6pm
Sunday: 10am-2pm

Cancel policy / make changes / view documents

0800 015 7760

Monday to Friday: 8am-9pm
Saturday: 9am-6pm
Sunday: 10am-2pm

How to contact M&S Bank home insurance

M&S Bank home insurance contact details

M&S Bank contact details
M&S Bank address

M&S Home Insurance,
PO Box 7463, Perth PH2 0YX.

Customer service email

Not available

Chatbot available

Virtual assistant available on website.

M&S Bank contact details

How do I log in to M&S Bank customer portal?

You can log in to your customer portal on the website to renew and access your policy documents if you have registered for M&S online servicing.
You can connect to your account through:

How do I get M&S Bank home insurance quotes?

To get a quote online at M&S Bank, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If M&S Bank is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get M&S Bank home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your M&S Bank house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.
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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.