We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

M&S Bank car insurance review

Read Which?'s expert review of M&S Bank's car insurance. Find out how we rate the M&S Bank's policy against 30 other providers.

In this article
M&S Bank car insurance overview M&S Bank car insurance policy: is it good or bad?
Get top money-saving tips from Which?

M&S Bank car insurance overview

M&S Bank provides cover underwritten by a panel of underwriters. It offers two levels of cover - 'Standard' and 'Premier'.  

What you need to know about M&S Bank's car insurance:

  • Uninsured driver promise
  • Adjustment fee of £25
  • Unlimited cover for glass damage

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Car Insurance
M&S Bank review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
Members can read full review. Not a member yet?
£1 for first month then £12.75/month unless cancelled.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£1 for first month then £10.75/month unless cancelled

M&S Bank car insurance policy: is it good or bad?

We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Table last updated in January 2019. Next update in January 2020.

Policy element Rating Details
Interest charged on payment by instalments (APR)

3 out of 5

23.50%
No fault no claims discount (NCD) benefit?

5 out of 5

Yes
Uninsured driver NCD benefit?

5 out of 5

Yes
Renewal fee Logged out padlock No fee
NCD protection claims (number per year) Logged out padlock 2 claims in 3 years
Theft of keys limit Logged out padlock £500
Fire excess (standard compulsory) Logged out padlock £0-£500
Theft excess (standard compulsory) Logged out padlock £0-£500
Accidental damage excess (standard compulsory) Logged out padlock £0-£500

Get top money-saving tips from Which?

Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox. 

 

    ×