M&S Car Insurance

M&S Cardholders could
save up to 15%*
& will receive 1000 M&S Points**!

Instant M&S Quotes

About M&S Car Insurance

M&S Car Insurance keeps you on the road – at home and in Europe. Choose Premier cover and get European and UK breakdown cover, motor legal protection, Keycare and guaranteed replacement car included in the cost. Plus M&S Cardholders could save up to 15%* and will receive 1,000 points for taking out a new policy.**

  • M&S Cardholders could save up to 15%* and will receive 1,000 M&S points for taking out a new policy**
  • Premier or standard – choose the cover that’s right for you
  • Driving abroad? You’re covered for up to 90 days in any single cover period in the European Union
  • If you need to claim, your UK-based personal claims manager will ensure everything runs smoothly

M&S Cardholder discount

Main M&S Cardholders could save up to 15% when you take out a new M&S Car Insurance policy and when renewing your existing cover. You will need to be a named driver on the policy with your address matching the motor insurance policy address. The discount will be applied automatically to the net premium only, excluding any add-on products, instalment fees and/or charges, so the price presented at the end of the quote will be inclusive of the discount.

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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

With premier you get useful extras including European and UK breakdown cover, a guaranteed replacement car, motor legal protection and Keycare. 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.

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Premier cover

Breakdown cover – included with Premier cover

Premier includes European 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).

With standard cover you have the flexibility to add 14, 21 or 28 days of guaranteed replacement car cover to your policy.

Round the clock assistance from Keycare – included with Premier Cover

If your keys are lost or stolen you can call Keycare for help. The 24 hour helpline and nationwide key recovery service can be used to arrange new keys, locks and locksmith services up to £1,000. Keycare can also be added to standard cover.

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Driving abroad

Going on holiday? With M&S Car Insurance you can take your car anywhere in the European Union as often as you like for up to 90 days in any single cover period.

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 our 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.

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.

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* The M&S Cardholder discount is not available to customers amending an existing M&S Car Insurance policy.  The main M&S Cardholder must be a named driver on the policy with their address matching the motor insurance policy address.  Terms and conditions apply. M&S Bank reserves the right to withdraw or amend these offers without notice.

** M&S Loyalty Scheme subject to terms and conditions. M&S Bank reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent mailing. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. Loyalty points are only available when the main cardholder is the policyholder.

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.