M&S Bank Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through M&S Bank car insurance.

You might already know that M&S Bank offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is M&S Bank the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail M&S Bank car policy terms and conditions and given our own ratings based on different criteria.

3,0 Safe overall rating for M&S Bank

Our ratingOur opinion
Customer service & satisfaction

A personal claims manager is assigned to each customer to deal with claims
FAQs are not extensive
2.8/5 based on 25 opinions on TrustPilot

Cover provided

Uninsured driver cover
£20M third party liability cover is provided
£100 is provided for to replace the child car seat
£500 medical expenses cover
£10,000 personal injury cover
No excess protection
Loss of keys not covered

Value for money

No renewal fee is charged
A 3 year guarantee is given on repair work when an approved repairer is used
An adjustment fee of £25 is charged

Financial strength for pay out

Strong financial capability


Customer friendly website with a simple and easy-to-use interface
Little information is provided on the standard insurance policy on the website
No technology like Black Box is implemented

Safe rating for M&S Bank

Expert and customer reviews on M&S Bank

We compiled expert and customer reviews from independent institutions, to give you an overall idea of M&S Bank's reputation.

Review organisationConsumer satisfaction rates for M&S Bank
Defaqto expert rating for M&S Bank defaqto 3 stars 1
TrustPilot2,8/5 based on 25 opinions
Consumer satisfaction rates on reviews for M&S Bank

To check if M&S Bank is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on M&S Bank car insurance policy

M&S Car Insurance is arranged and administered by BISL (Budget Insurance Services Limited) and operated by HSBC.
M&S car insurance offers the Comprehensive cover, the Third party cover and the Third party, fire and theft cover. The Comprehensive cover offers cover for following:

  • Liability to others
  • Car audio, navigation and entertainment equipment
  • Windscreen damage
  • Personal belongings
  • Medical expenses
  • Personal accident
  • Replacement and repair of locks
  • Child car seat
  • Uninsured driver promise
  • Foreign use.

Alongside standard comprehensive car insurance, M&S also offers a Premier level of cover also rated 3 stars by Defaqto. The Premier option that M&S offers comes with the added benefits of a guaranteed replacement car which is provided for about 28 days after an accident, motor legal protection up to £100,000 and UK and European breakdown cover worth £347.95. These are the things that separates it from the standard policy.

What does M&S Bank car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at M&S Bank?

Car insurance policyAvailable at M&S BankCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at M&S Bank

Keep in mind that you can always add optional extras to your policy.

Main guarantees at M&S Bank explained in details

Let's find out what does M&S Bank covers in its car insurance policy.

Breakdown cover at M&S Bank

M&S partnered with RAC to provide breakdown cover and four levels of cover are provided. The breakdown cover is optional and can be added to an insurance policy. The following are offered with the breakdown cover:

  • Roadside assistance: this includes labour and repair services at the scene of the breakdown
  • Home assistance: this includes cover in the case that the driver’s car breaks down close to his/her place of residence
  • Recovery: this includes roadside repair and recovery for the driver and up to 8 passengers in the case of a breakdown or in the case that the driver is unable to drive
  • Onward Travel: this includes cover for foreign use in the case of a breakdown.

Keycare cover at M&S Bank

Marks and spencer car insurance provides Keycare cover under the comprehensive cover option and the following are offered:

  • A sum of £500 in the case that the key has been stolen
  • This covers the cost of replacement for the door locks, keys, ignition lock or boot lock.

Windscreen cover at M&S Bank

M&S provides windscreen cover and it offers the following:

  • cost of repair or replacement provided an M&S approved repairer is used
  • cost of repair for the bodywork in the case that the glass has damaged it.
    If another repairer is used, a sum of £150 would be provided for repairs.

Motor legal protection at M&S Bank

M&S’s Motor Legal Protection cover includes the following:

  • £100,000 to provide for uninsured loss recovery
  • Provision of replacement vehicle and cover for cost of vehicle repair
  • Provision of cover for legal expenses
  • 24/7 Motor Legal Helpline.

Personal policy injury available at M&S Bank

The Personal policy cover that M&S car insurance offers is available for the insured and his/her partner and it offers the following:

  • £10,000 in the case that the accident leads to death
  • £10,000 in the case that the accident leads to the loss or use of any limb
  • £10,000 in the case that the accident leads to the permanent loss of all sight in one or both eyes.

Coverage abroad at M&S Bank

Abroad coverage is available for all covers offered and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at M&S Bank

The provision of a courtesy car is subject to availability and the cover option is only available on the Comprehensive cover.

No-Claim Bonus (NCB) at M&S Bank

At M&S Bank, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

M&S Bank car insurance terms and conditions

How much does M&S Bank car insurance cost?

You'll find below indicative car insurance quotes at M&S Bank:

Drivers'ageMonthly premium
18 years old£106,16
40 years old £43,78
60 years old£32,28
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of M&S Bank insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at M&S Bank?

A cashback voucher is available for customers who have taken out a car insurance policy as well as a 15% discount for M&S Bank cardholders who buy an insurance policy online.

Discount typesComment
DiscountsA 15% discount is available for M&S Bank cardholders who buy an insurance policy online
Discounts and cashbacks available at M&S Bank

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

M&S Bank car insurance policy summarized


At M&S Bank
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£500
Personal belongings£200
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

21 days

Coverage abroad

90 days

Guarantees at M&S Bank


At M&S Bank
Fire excessCost of damage is covered
Theft excessCost of damage is covered
Accidental damage excessCost of damage is covered
Windscreen replacement excessNo excess amount is required to make up for the unlimited services
Young driver excess


Excess at M&S Bank

Admin fees

At M&S Bank
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period : £0
Cancellation fees outside cooling off period : £50

Modification fees

Adjustment fee: £25

Admin fees at M&S Bank

Other car insurance policies available at M&S Bank

How to contact M&S Bank auto insurance?

M&S Bank phone numbers 

You will find all important phone numbers to contact M&S Bank car insurance:

Contact numberOpening hours

Customer Service

0344 871 2349

Monday to Friday: 8am-9pm
Saturday: 9am-6pm
Sunday: 10am-4pm
Bank holidays: 9am-5pm


0800 107 1827

Monday to Friday: 8am-9pm
Saturday: 9am-6pm
Sunday: 10am-4pm
Bank holidays: 9am-5pm


0344 858 6877

Monday to Friday: 8am-9pm
Saturday: 9am-6pm
Sunday: 10am-4pm
Bank holidays: 9am-5pm


0800 107 1828

Monday to Friday: 8am-9pm
Saturday: 9am-6pm
Sunday: 10am-4pm
Bank holidays: 9am-5pm


0344 412 2160

24 hours a day

Breakdown recovery

0800 056 3402

24 hours a day

Contact numbers at M&S Bank

M&S Bank other contact details

You'll find below M&S Bank main contact details:

Contact details of M&S Bank
Email address


Customer account with M&S Bank login

My Account

Social mediaFacebook, Twitter
Contact details at M&S Bank

You can also contact them by mail by writing to M&S Bank car insurance:

M&S Car Insurance,
Fusion House,
Bretton Way,
PE3 8BG.

How to claim at M&S Bank?

You can make a claim by calling M&S Bank's claims department: 0344 412 2160.

ServiceCar claim
Claim by phone

0344 412 2160

Claim process at M&S Bank

How to cancel your car insurance at M&S Bank?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, M&S Bank as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, M&S Bank has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

M&S Bank could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.