M&S Bank home insurance review

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 insurance, mortgages, 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

Read our reviews of all the insurers who took part in our home insurance analysis

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

Weighting	Policy element	Details	Rating
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Other	Special event cover increase (e.g. wedding)
Other	Unoccupancy period
Other	Matching sets cover - included?
Other	Damage by domestic pets covered?
Most important	Single item limit for valuables (unspecified) - max limit (£)
Most important	Contents in the open - within home boundary i.e. garden (£)
Most important	Contents in outbuildings - including garages (£)
Most important	Theft from outbuildings (£)
Secondary	Gradual build-up of groundwater - included?
Other	Garden cover - included?
Other	Garden contents cover - plants (£)
Secondary	Money in the home (£)
Secondary	Money away from the home (£)
Secondary	Credit cards in the home (£)
Secondary	Credit cards away from the home (£)
Secondary	Digital information in the home (£)
Secondary	Items temporarily removed from home (£)
Secondary	Business / Office equipment (£)
Other	Freezer contents (£)
Other	Guests belongings (£)
Other	Student contents (£)
Other	Nursing home contents (£)
Other	Moving house cover - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Area covered
Most important	Accidental damage cover - included?	Buildings
Most important	Accidental damage cover - included?	Contents
Most important	Home emergency cover - included?	Buildings and contents
Most important	Home emergency - limit per call-out (£)	Buildings and contents
Other	Home emergency - emergency accommodation	Buildings and contents
Secondary	Boiler cover - included?	Buildings and contents
Secondary	Boiler repair (£)	Buildings and contents
Secondary	Boiler replacement (£)	Buildings and contents
Other	Boiler covered if not annually serviced?	Buildings and contents
Secondary	Legal expenses cover - included?	Buildings and contents
Secondary	Legal expenses cover (£)	Buildings and contents
Secondary	Personal possessions cover - included?	Contents
Secondary	Personal possessions away from home - Unspecified single item limit (£)	Contents
Secondary	Personal Possessions limit within a car (£)	Contents
Secondary	Mobile phones (away from home) - included?	Contents
Secondary	Mobile phones away from home - unspecified (£)	Contents
Other	Unspecified bicycles away from home - included?	Contents
Other	Specified bicycle away from home - included?	Contents

Weighting	Policy element	Area covered
Most important	Standard level of excess	Buildings
Most important	Standard level of excess	Contents
Most important	Escape of Water excess	Buildings
Most important	Escape of Water excess	Contents
Secondary	Subsidence excess	Buildings
Secondary	Personal possessions excess	Contents
Secondary	Replacement locks and keys excess	Buildings and contents
Most important	Is NCD offered?	Buildings and contents
Other	NCD protection - included?	Buildings and contents
Other	NCD protection claims (number per year)	Buildings and contents

Weighting	Policy element	Area covered
Most important	Interest charged on payment by instalments (APR)	Buildings and contents
Most important	Renewal Fee	Buildings and contents
Secondary	Adjustment Fee	Buildings and contents
Secondary	Duplicate Documents Fee	Buildings and contents
Secondary	Cancellation fee within cooling off period	Buildings and contents
Secondary	Cancellation fee after cooling off period	Buildings and contents
Secondary	Payment Default Fee	Buildings and contents
Other	Emergency helpline	Buildings and contents
Other	Claims helpline	Buildings and contents
Other	Legal advice helpline	Buildings and contents
Other	Discount for buying buildings and contents insurance?	Buildings and contents
Secondary	Insurer pays switching fees	Buildings and contents
Other	Notice if insurer cancels	Buildings and contents

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:

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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?