M&S Bank Premier Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

You might already know that M&S Bank Premier 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 Premier 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 Premier car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for M&S Bank Premier

Our ratingOur opinion
Customer service & satisfaction

A personal claims manager is assigned to each customer
Policy information is very accessible and comprehensive
2.8/5 based on 25 opinions on TrustPilot

Cover provided

Uninsured driver’s cover
Breakdown cover is offered as a standard
Motor Legal Protection is offered as a standard on the premier policy
£150 is provided for to replace the child car seat

Value for money

No renewal fee is charged
A cashback voucher of £50 is offered to premier policy users
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
Adequate information is provided as regarding the Premier policy option
No technology like Black Box
No live chat option

Safe rating for M&S Bank Premier

Expert and customer reviews on M&S Bank Premier

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

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

To check if M&S Bank Premier 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 Premier car insurance policy

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. For drivers who are on the look out or are particular about insurance cover options like this, the premier option is the recommended one to go with.

What does M&S Bank Premier car insurance policy cover?

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

Car insurance policyAvailable at M&S Bank PremierCoverage 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 Premier

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

Main guarantees at M&S Bank Premier explained in details

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

Breakdown cover at M&S Bank Premier

M&S Premier partnered with RAC to provide breakdown cover and four levels of cover are provided. The breakdown cover is a part of the 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 Premier

M&S Premier 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
  • Cover for the cost of replacement for the door locks, keys, ignition lock or boot lock.

Windscreen cover at M&S Bank Premier

M&S Premier 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 no more than £150 would be provided for repairs.

Motor legal protection at M&S Bank Premier

M&S’s Premier Motor Legal Protection cover costs £26.29 and it 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.
    The cover would only be offered if the claim is made within 180 days after the accident and if the identity of the third party is known.

Personal policy injury available at M&S Bank Premier

The Personal policy cover that M&S Premier 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 Premier

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 Premier

The provision of a courtesy car is subject to availability and the cover option is only available on the Comprehensive cover. A guaranteed replacement car is also provided at the rate of £30.09 for 28 days on the Premier policy and it is available after an accident or theft.

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

At M&S Bank Premier, 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 Premier car insurance terms and conditions

How much does M&S Bank Premier car insurance cost?

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

Drivers'ageMonthly premium
18 years old£107,39
40 years old £44,29
60 years old£32,66
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of M&S Bank Premier 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 Premier?

A cashback voucher is available for customers who have taken out a car insurance policy. A discount is also offered to customers.

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 Premier

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 Premier car insurance policy summarized


At M&S Bank Premier
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 Premier


At M&S Bank Premier
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 Premier

Admin fees

At M&S Bank Premier
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 Premier

Other car insurance policies available at M&S Bank Premier

How to contact M&S Bank Premier auto insurance?

M&S Bank Premier phone numbers 

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

Contact numberOpening hours

Customer Service

0344 381 6510

Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm


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


0800 056 3402

24 hours a day

Contact numbers at M&S Bank Premier

M&S Bank Premier other contact details

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

Contact details of M&S Bank Premier
Email address


Customer account with M&S Bank Premier login

My Account

Social mediaFacebook, Twitter
Contact details at M&S Bank Premier

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

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

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

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 Premier 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 Premier 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:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

M&S Bank Premier 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’.