M&S Home Insurance

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(subject to minimum premiums, excludes renewals and optional extras)
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M&S Home Insurance

  • Save 20% when you purchase a new policy online
  • Pay monthly instalments at no extra cost; 0% APR representative
  • Choose from a standard or premier policy
  • Protection for the little things like replacement keys and the plants in your garden

Protecting what matters in and around the home requires a good quality home insurance policy. M&S home insurance offers confidence and peace of mind to homeowners looking to protect their cherished belongings and the structure of their home. From covering your items against theft to protecting your home from flood or accidental damage, M&S offers a policy to suit your exact needs as well as a range of optional extras for additional security. Whether you are looking for contents insurance, buildings insurance or both, we’ve put together all the information you’ll need to know about Marks and Spencer home insurance.

M&S home insurance is underwritten by Aviva Insurance Limited. Terms and conditions apply.

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Our Review of M&S Home Insurance

At Best Money Saver, we do all the hard work for you, researching the best products on the market, comparing them with other products and helping you to get a great deal. What we’ve found with M&S home insurance is that it might not be one of the cheapest options on the market, but it is certainly one of the highest quality products we have seen. There are also some fantastic incentives, such as free vouchers and good discounts to tempt you. Of course, free gifts are great, but you also want to be sure you are getting cover that you can trust.

We found that M&S offers cover that you might not find easily with other similar products. For example, if those expensive plants or trees in your garden get stolen or you need to get your keys replaced, you’ll be covered. Thinking of an extended holiday? Your home is covered for 90 days while you are away. You can also choose optional extras such as a £500 contribution to boiler replacement.

That’s not to mention that M&S is a brand that goes hand and hand with great quality and customer service. Their home insurance products are also underwritten by Aviva Insurance, another name you can trust.

Select From Standard or Premier Cover – Which Is Right For You?

M&S offers a range of options when it comes to choosing home insurance. Their standard plan provides all the things you would expect from a home insurance product, such as cover for the contents of your home and buildings cover. You’ll also see other cover features on the standard plan, such as cover for garden items up to £100,000, cover for bicycles up to £100,000 and cover for 90 days if your property is unoccupied – if you go on holiday, for example. Upgrade to the premier policy and you can enjoy benefits such as cover for all loss and damage unless explicitly excluded in the policy booklet. You’ll also be covered for storm damage to gates and fences and accidental damage. Optional extras include protected no claims discount.

Why Choose Home Contents Insurance From M&S Bank?

Your home is so much more than 4 walls and a place in which to eat and sleep. It is a home full of wonderful memories, items you have worked hard to pay for and an investment in your future and the future of your family. Doesn’t it deserve the best quality insurance? Contents insurance will protect all of your belongings that are not a fixed part of your property, such as electrical items, furniture, clothing and jewellery.

While it might not be compulsory, home contents insurance is a must-have. Imagine how you would feel if you came home to find your home had been broken into and many of your treasured possessions gone or water leaking through the ceiling onto your TV. Contents insurance protects your items against theft and damage and provides new for old cover for most of the items within your home.

Benefits of M&S home contents insurance include:

  • Choice of standard or premier cover
  • Save 20% when you buy a policy online
  • Get new for old cover on all items that are replaced. No matter what the age of your belongings they will be replaced with a new version.
  • Choose your excess amount.
  • Flexible claim services – you can choose to have a settlement as an alternative to repairing or replacing an item.
  • Cover for pedal cycles kept at home. You can also choose optional cover for your bikes when you’re outside the home.
  • Cover for the contents of your garden.
  • 14-day cooling off period.

Why Choose Buildings Insurance From M&S Bank?

Your home is your castle and you’ll want to keep it that way. Buildings insurance helps you to protect your home from the things that can cause often devastating and very expensive damage. From accidental damage caused by a third party to storm and water damage, M&S home insurance protects you against the things you least expect. Buildings insurance is a compulsory element when applying for a mortgage and is also a great way to complement your contents insurance – buildings insurance will cover things like repairing doors and locks following a break-in, for example. Your mortgage provider or mortgage broker may recommend an insurance product, but it is always worth shopping around for a better deal or a higher quality product.

In a nutshell, buildings insurance will protect everything that is fixed within your home, including walls, ceilings, floors, windows, doors and fitted wardrobes and cupboards.

Benefits of M&S buildings insurance include:

  • 20% discount when purchasing a policy online
  • Choose between standard and premier cover
  • Pay in monthly instalments at no extra cost
  • Flexible claim services – you can choose an alternative settlement to replacing or repairing an item
  • Alternative accommodation is provided if you cannot live in your home
  • 14-day cooling off period

M&S Home Insurance – Features

M&S Content Insurance Features Details
Contents Away From Home Optional cover for damage or loss to personal belongings such as mobile phones, watches, money, jewellery, wallets and purses when you are away from home.

Exclusions to be aware of: theft from a vehicle unless the items stolen were hidden from view, the boot was locked and all windows were closed. Bicycles are not covered away from home.

Pedal Cycle Optional cover worldwide when you are away from home for theft, loss or damage. M&S automatically provides cover for bicycles while they are at home.
Exclusions to be aware of: cover is only valid for unattended bicycles if they are locked securely to an immovable object.
Accidental Damage M&S offers a number of options when it comes to accidental damage:

  • Buildings cover for accidental damage to fixed glass, services and sanitary fittings.
  • Optional buildings accidental damage cover for other incidents.
  • Contents cover or accidental damage to mirrors and glass and home entertainment equipment.
  • Optional contents accidental damage cover for other incidents.

Exclusions to be aware of: no cover for valuables during household removals, laptops or damage caused by pets.

HomeServe (Optional Extra) M&S provides optional HomeServe cover that provides cover to temporarily attend to home emergencies that relate to water, drainage, electricity and gas supply within and to the property. This might include a leaking pipe or a faulty fuse box. Unlimited callouts up to £1000 a callout.

Exclusions to be aware of: combination cylinders, immersion heaters, Elson tanks, unvented water cylinders, thermal storage units, frozen pipes, pumps, domestic appliances.

Buy Home Insurance With Confidence

At Best Money Saver, we’re here to take the hard work out of buying home insurance. Whether you have just moved into a new property, need buildings insurance for your mortgage or you are simply looking to renew your home insurance with another provider, M&S house insurance provides one of the best products on the market today and some great incentives for taking out a policy.

As with all the products on our site, we recommend that you compare each side by side along with our advice to get the best idea of which product will suit you best. If your existing home insurance is up for renewal very soon, it’s a great time to start looking around for a better deal. Who knows? M&S home insurance could not only beat your existing provider, but you can also take advantage of their discounts and special offers.

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