M&S Car Insurance

Standard or Premier Cover – Choose the Cover that’s right for you
Uninsured Driver Protection, 3 Year Guarantee on Repairs
Appointed Claims Manager for both Standard & Premier Cover

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M&S Car Insurance Benefits

  • Guaranteed replacement car for up to 28 days if your car is out of action because of an accident, fire or theft
  • 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

M&S car insurance is arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.

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M&S Car Insurance – Quality You Can Trust

When you are looking for car insurance that offers first class protection, M&S car insurance has a range of products designed to suit the needs of all drivers. Whether you are just taking to the road or renewing your policy, M&S provides comprehensive protection and some great savings and features.

Choosing the Right Level of Cover

One of the most important things when choosing car insurance is that you select the right level of cover to suit your individual needs. At Best Money Saver, we strive to bring you all the information you need on a wide range of products so that you can make an informed decision based on the facts and the latest reviews. Let’s take a look at what makes M&S car insurance a hit on the high street and the products they have to offer.

Choice is important when selecting car insurance. That’s why M&S offers a range of products suited to the needs of different car owners. There are currently two products on offer; standard and premium cover. Here are the features offered with each product.

Standard Cover

  • If you’re hit by an uninsured driver, M&S offers uninsured driver protection that ensures any excess you pay is refunded. You will need to provide the driver’s details and the vehicle registration in order to be eligible.
  • A 3-year guarantee on repairs carried out by M&S approved repair companies.
  • Child seat cover. M&S will arrange the replacement of child seats (up to £150) following an accident.
  • £200 personal belongings cover.

Premium Cover

M&S offers all of the benefits that you will get with standard cover as well as a number of additional benefits:

  • European and UK breakdown cover that covers you as well as your vehicle. That means that even if you are a passenger in another car, M&S will keep you on the road.
  • A guaranteed replacement vehicle following an accident, fire or theft for up to 28 days (subject to eligibility).
  • Up to £100,000 motor legal protection to assist with your claim for uninsured losses.

As you can see, there are many reasons to choose M&S car insurance, and what’s more, you’ll receive great customer service from a UK-based claims assistant should you ever need to make a claim.

Understanding the Different Levels of Car Insurance

Whether you are a new driver or you have been on the road for years and have built up an enviable no-claims bonus, understanding the different levels of insurance available to you will ensure you choose the right cover to suit your individual needs.

Third Party Cover

Third party cover provides the most basic cover for your vehicle and is legally the minimum level of car insurance you can get. Third party cover works in the favour of the other driver, so if you are involved in an accident, M&S will make a payout to the third party and you will not receive any payout for any damage caused to your own vehicle.

Third party cover from M&S Bank provides:

  • Liability to others
  • Driving other cars extension

Third Party, Fire and Theft

As its name suggests, third party, fire and theft cover offers the same cover as third party cover, but will also cover your vehicle for fire and theft.

Third party, fire and theft cover from M&S Bank provides:

  • Liability to others
  • Driving other cars extension
  • Loss of damage to the car by fire or theft
  • Car audio, navigation and entertainment equipment

Comprehensive Cover

Comprehensive cover, also referred to as fully-comp car insurance is the most inclusive insurance policy you can buy. It will cover you for any damage sustained to your vehicle, whether it is caused by a third party, fire or malicious damage and also if it is stolen.

Comprehensive cover from M&S Bank provides:

  • Liability to others
  • Driving other cars extension
  • Loss of damage to the car by an accident
  • Loss of damage to the car by fire or theft
  • Car audio, navigation and entertainment equipment
  • Glass damage
  • Personal belongings
  • Medical expenses
  • Personal accident
  • Replacement locks
  • Child car seat cover
  • Uninsured driver promise
  • Emergency transport and accommodation
  • Travelling abroad
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M&S Car Insurance Reviews – The Pros & Cons


  • Great features, even on the standard policy
  • Your claim will be dealt with by a UK-based claims advisor.
  • 24/7 claims hotline.


  • Can be a bit more expensive than other plans on the market.

As you can expect from any M&S product, their car insurance is one of the best on the market today. They may not offer the cheapest policies around, but you certainly get what you pay for. For instance, their 3-year guarantee on any repairs carried out can give you peace of mind for the future, and that’s just on their Standard plan. Their Premium plan covers you across Europe and also provides you with a courtesy car which is not always a given on a higher-tier policy.

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How To Make A Claim

It would be great to go through life without ever needing to make a claim, but if the unexpected happens you at least want to experience a smooth and stress free claims process. M&S Bank provides each customer with a UK-based personal claims manager that will handle your claim for you. Throughout the claims process, you will have the same claims manager saving you from having to repeat yourself and giving you direct access to somebody that understands your case.

You can make a claim easily by contacting the claims team on 0344 412 2160. You’ll need your policy number and details of your claim. Another great benefit is that the claims team is available 24/7. 

Why Choose M&S Bank For Your Car Insurance?

Marks and Spencer is a brand with a rich and long heritage and a reputation for quality service and products. The same philosophy offers customers great choice, straightforward financial products and excellent customer service. They offer a wide selection of insurance products, including car insurance, home insurance, travel insurance and pet insurance.

Buying Car Insurance Made Easy

Here at Best Money Saver, our aim is to help you choose the best car insurance product on the market – a product that suit your needs as well as your budget. Our impartial advice, honest reviews and detailed information means you can find out all you need to know about the car insurance providers we feature and what they have to offer. By using our website, you’ll not only get the lowdown on what matters, but also save time and money in the process.

It’s always a good idea to compare M&S Bank car insurance products alongside other similar products on the market. That way you can get a good feel for the features and what you are getting for your monthly premiums. What is offered by one provider may not be available from another provider. For example, where M&S offer child seat cover, another provider may not, so weigh up what is important to you.

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