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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
M&S Bank home insurance overview 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?
How did customers rate M&S Bank's home insurance What is M&S Bank's claims number? Get top money-saving tips from Which?

M&S Bank home insurance overview

For over 30 years, M&S Bank has offered financial services to UK households. It offers a range of financial products including home 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.

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. 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 this company's buildings insurance policy. We analysed 48 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 67 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 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 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 Maximum sum insured (£) Logged out detail Logged out padlock
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 2020. Next update in February 2021.

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,

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

How did customers rate M&S Bank's home insurance

As well as looking at how M&S Bank's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

How M&S Bank's home insurance scored for seven elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2020. Next update in February 2021.

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

What is M&S Bank's claims number?

If you need to make a claim with M&S Bank home insurance call one of the following numbers, depending on if your policy number begins with:

When you call, you'll be asked for your policy number details about your claim such as what happened, when and how much you're claiming for. 

Find out more about claiming successfully in our guide to making a home insurance claim.

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