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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 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

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

We analyse and rate the 53 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.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content