About M&S Car Insurance
M&S Car Insurance keeps you on the road – at home and across Europe. Choose premier cover and get EU and UK breakdown cover, motor legal protection and guaranteed replacement car included in the cost.
- M&S Car Insurance guarantee to beat M&S Cardholders’ renewal quote by at least £50. This offer is available for customers who take out a new policy and not available for customers renewing their existing M&S cover. Offer not available through price comparison or cashback websites. Terms and conditions apply.
- Uninsured driver protection so you’re not out of pocket if you’re hit by a driver without insurance.
- If you need to claim, your UK-based personal claims manager will ensure everything runs smoothly.
- Premier or standard – choose the cover that’s right for you.
M&S Cardholder offer
If you are a main M&S Cardholder, M&S Car Insurance guarantee to beat your car insurance renewal quote by at least £50. You will need to be a named driver on the policy with your address matching the motor policy address.
Get an online quote, if M&S Car Insurances’ quote, on a like for like basis, doesn’t beat your renewal price with your existing car insurance provider by at least £50 then, as an M&S Cardholder, they’ll reduce the premium you pay upon purchase, so that they do beat your renewal price by £50. This offer is available for customers who take out a new policy and not available for customers renewing their existing M&S cover. Offer not available through price comparison or cashback websites. Terms and conditions apply.
Need to make a claim? They’ve even made that easy
If you need to make a claim, you’ll be appointed your own personal claims manager who will help ensure everything runs smoothly. They’ll act as your main point of contact throughout. And they’ll keep you informed of the progress of your claim from start to finish. It couldn’t be simpler.
Premier or standard – choose the cover that’s right for you
Two levels of cover available – premier and standard.
With premier you get useful extras including EU and UK breakdown cover, a guaranteed replacement car and motor legal protection. If you don’t need all these benefits, you can keep the cost of your car insurance down by choosing standard cover, which has the option for you to add some of the benefits included with premier.
Breakdown cover – included with premier cover
Premier includes EU and UK breakdown cover which includes personal breakdown cover. This covers you – not the car – so you can use it even when you’re a passenger in another car. Provided by the RAC, it gives assistance whether you breakdown by the roadside or at home, as well as onward travel assistance in the UK to get you to your destination.
If you choose a standard policy, you can add various levels of breakdown cover. This will cover the car you have insured if it breaks down, but you won’t be covered for a breakdown as a passenger in another car.
Motor legal protection – included with premier cover
Premier cover includes up to £100,000 of motor legal protection. So if you’re involved in an accident that’s not your fault you can claim uninsured losses, such as your policy excess, from the driver responsible – as long as they can be identified and are insured.
With standard cover you have the option to add motor legal protection to your policy.
Guaranteed replacement car – included with premier cover
M&S Car Insurance aims to keep you on the road. So if you can’t drive your car because it’s being repaired, has been stolen or written off, they’ll give you a hire car for up to 28 days (subject to eligibility). If you are still off the road after 28 days, they’ll minimise the disruption to your travel plans by providing a courtesy car (subject to availability). Terms and conditions apply, not available under third party only cover.
With standard cover you have the flexibility to add 14, 21 or 28 days of guaranteed replacement car cover to your policy.
Uninsured driver protection
It’s reassuring to know that you’re covered even if you’re hit by an uninsured driver with all M&S Car Insurance policies.
So if your car is involved in an accident caused by an uninsured motorist, any excess you have had to pay will be refunded as long as you provide the vehicle registration and the driver’s details.
Personal accident cover – for peace of mind
If you or your spouse is injured in a car accident, you could claim up to £10,000. (Terms and conditions apply, comprehensive cover only.)
Protect your personal belongings
Your personal belongings are insured for up to £200 against loss or damage by fire, theft or accident while they’re in your car. In addition, any M&S shopping is covered up to the value of £300. (Terms and conditions apply, comprehensive cover only.)
High quality repairs – so good, they’re guaranteed for 3 years
If your car is damaged and you need to make a claim, they’ll arrange for it to go to one of their nationwide approved repair centres. As you’d expect, the work will be carried out to high standards – they’ll even provide a 3 year guarantee.
Other Car Insurance Providers
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Nectar shoppers get up to 1/3 off. Plus free Sainsbury’s Breakdown Service for 1 year. Min prems apply. Intro offer.
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FREE Guaranteed Hire Car
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This offer is not available through a price comparison or cashback website. Customers using a quote reference from a price comparison or cashback website will not be eligible for this offer.
This offer is not available in conjunction with any other offer and only one claim can be made per account for the points offer
M&S Bank have carefully selected BISL Limited to arrange and administer this quality car insurance using a panel of insurers. Terms, conditions, exclusions and limitations apply