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M&S Bank home insurance review

Read Which?'s expert review of M&S Bank's home insurance policies and find out how it compares to dozens of other home insurance companies.

In this article
What does M&S Bank Standard home insurance cover? Does M&S Bank offer the best home insurance? M&S Bank Standard home insurance policy: is it good or bad? Does M&S Bank offer different levels of home insurance cover?
Where can you buy M&S Bank home insurance? What is M&S Bank's claims number? Get top money-saving tips from Which?

For over 30 years, M&S Bank has offered financial services to UK households. It offers a range of financial products including home insurance, car insurance, pet insurancemortgages, savings accounts and credit cards.

M&S Bank is owned by the HSBC Group, which also owns well-known brands like HSBC and First Direct, and its home insurance is underwritten by Aviva Insurance Limited.

M&S Bank offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
M&S Standard Standard £1,000,000 £100,000
M&S Bank Premium Premium Unlimited Unlimited

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does M&S Bank Standard home insurance cover?

The information below gives an at-glance view of the key areas that M&S Bank's Standard home insurance covers as standard.

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.

 

Key cover

 

If your keys are lost or stolen, cover for replacing keys and locks is included as standard.

 

£ Accidental damage

 

This covers accidental damage to fittings, fixtures and personal belongings.

 

£ Home emergency

 

To cover callouts and temporary repairs if they're needed as a result of a home emergency.

 

£ Burst Pipes

 

Covers the cost of repairing burst pipes in the property.

 

£ Personal Possessions

 

You can get cover for loss, accidental damage or theft when taking personal possessions outside your home.  

 

£ Boiler cover

 

This will cover you if your boiler or central heating system breaks. 

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes.

Does M&S Bank offer the best home insurance?

Here's how M&S Bank scored in our latest home insurance survey:

Home And Mobile 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 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

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 Standard home 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.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of M&S Bank's Standard home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2021. Next update in March 2022.

Does M&S Bank offer different levels of home insurance cover?

M&S Bank also offers Premier home insurance, which features a higher level of cover. Log in to find out how we rated it.

To see how M&S Bank's home insurance compares to other policies check out our guide on the best and worst home insurance.

Where can you buy M&S Bank home insurance?

You can buy M&S Bank home insurance online or over the phone, and you'll find it on these price comparison websites:

  • Compare The Market
  • Go Compare
  • MoneySuperMarket

Find out how to reduce your premium with our guide to cheap home insurance.

What is M&S Bank's claims number?

If you need to make a claim with M&S Bank home insurance call 0800 051 2556 or make a claim online.

Find out more: is it worth claiming on your home insurance?

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