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M&S Bank home insurance review

Read our expert review of M&S Bank's home insurance policies and find out how it compares with dozens of other home insurance companies

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? How can you save money on M&S Bank home insurance? What is M&S Bank's claims number?

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 Standard Standard £1,000,000 £100,000
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

 

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:

Home And Mobile Insurance
M&S Bank review
Overall Which? score
%
Our total score score combines 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, 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.

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 (£) 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 Logged out detail Logged out padlock
Most important Blockage of sewer pipe Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater Logged out detail Logged out padlock
Secondary Subsidence Logged out detail Logged out padlock
Secondary Damage to underground services Logged out detail Logged out padlock
Secondary Flood and storm damage Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings Logged out detail Logged out padlock
Secondary Storm damage to fences Logged out detail Logged out padlock
Other Theft of keys covered Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys covered Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

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
  • 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.

 

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