Formed as the financial services division of the British retailer Marks & Spencer Group in 1985, M&S Bank has been operated by HSBC Bank since it was sold in 2004.
M&S Bank provides cover underwritten by Ageas, Aviva, AXA, AXA NI, ABC Insurance, Covea, CIS, Sabre, Zenith, Zenith Marque and Zurich. It offers two levels of cover – 'Standard' and 'Premier'. This review mainly focuses on the 'Standard' policy.
What does M&S Bank Standard car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen
£ No Claims Discount (NCD) protection
Allows the policyholder to make a specified number of claims over a period without affecting their no-claims discount
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident
✘ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost
Does M&S Bank offer the best car insurance?
Here's how the M&S Bank scored in our latest car insurance survey:
To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key 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.
M&S Bank car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of the M&S Bank Standard car insurance policy rated
Table last updated in February 2022. Next update in February 2023.
How can you save money on M&S Bank car insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide – especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all-dancing policy, but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
M&S Bank's car insurance policies are available on the following price comparison websites:
- Compare the Market
When buying car insurance it's also worth seeing whether any of the following can save you money.
✓ Membership discount
M&S Cardholder discount of up to 15% discount and M&S staff and family receive a 10% discount when quoting direct to site.
✘ Multi-car discount
M&S doesn't offer a discount to the premium for insuring more than one car on a single policy with the same provider.
✘ Dashcam discount
You can't get a discount from M&S for having a dashcam installed in your car
✘ Joint car and home insurance discount
M&S doesn't have a discount for buying home and car insurance from it.
Above information correct as of December 2021.
- Find out more: how to get a cheap car insurance quote
What is M&S Bank's car insurance claims number?
If you need to make a claim with M&S Bank car insurance call 0344 412 2160. For claims relating to windshields, call 0330 018 3236.
- Find out more: is it worth claiming on your car insurance?