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.
- Read our reviews of all the insurers who took part in our home insurance analysis
Does M&S Bank offer the best home insurance?
Here's how M&S Bank scored in our latest home insurance survey:

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
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
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:
- MHO: 0800 051 2556 or claim online
- 830: 0800 111 4901
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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