For more than 30 years, M&S Bank has provided financial services to UK households. It offers a range of financial products including home insurance as well as car and pet insurance, mortgages, savings accounts and credit cards.
M&S Bank is owned by the HSBC Group, which also owns well-known brands including 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 Bank Premier||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 that took part in our home insurance analysis
What does M&S Bank Standard home 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.
✓ Key cover
Cover for replacing keys and locks if your keys are lost or stolen.
£ Accidental damage
This covers accidental damage to fittings, fixtures and personal belongings.
£ Home emergency
To cover call-outs and temporary repairs if they're needed as a result of a home emergency.
£ Burst pipes
Covers water damage caused by 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:
To help you find the best home insurance policy, we go the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 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 factor this in 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. We then adjust the impact the more and less important elements have on the overall policy 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.
In detail: every part of M&S Bank's Standard home insurance rated
Table last updated in March 2022. Next update in March 2023.
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.
How can you save money on M&S Bank home insurance?
The first offer an insurer makes isn’t necessarily the best it's able to provide. So, before you commit, 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 might 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.
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 companies direct.
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
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?