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