M&S Bank Travel Insurance Review and Quotes
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It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether M&S Bank is the right company to go on holidays with?
In this definitive M&S Bank review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is M&S Bank the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into M&S Bank travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
3,6 Safe overall rating for M&S Bank
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Easily accessible policy documents | |
| Cover provided |
Limits and excesses are flexible | |
| Value for money | Affordable premiums | |
| Financial strength | M&S Bank's travel insurance policies are underwritten by Aviva Insurance which is authorised and regulated by the Financial Conduct Authority | |
| Technology |
User friendly website |
M&S Bank travel insurance reviews by expert and consumers
| Review organisation | M&S Bank travel insurance reviews |
|---|---|
| Defaqto expert | Not available |
| TrustPilot | 1,2/5 based on more than 300 opinions |
To check if M&S Bank is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
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What does M&S Bank travel insurance cover?
M&S Bank travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
M&S Bank's Travel Insurance Policies are available for individuals and families.
M&S Bank single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at M&S Bank | |
|---|---|
| Maximum days per trip | Depends on Policy Schedule |
| Maximum age limit | Single Trip: No age limit |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at M&S Bank:
Policy name | Standard |
|---|---|
| Excess (if not stated) | £50 or £100 |
| Medical expenses | £10M |
| Trip cancellation / curtailment | £2000/£4000/£6000 |
| Delayed departure 12 hours | £25 |
| Delayed departure max | £150 |
| Baggage & belongings | x |
| Money including cash | £500 |
| Repatriation | £10M |
| Personal liability | £2M |
| Personal accident (excess £0) | £25,000 |
| Legal expenses (excess £0) | £50,000 |
| Hospital benefit (excess £0) | x |
| Accommodation cover | £2000/£4000/£6000 |
| Pet care (excess £0) | x |
| SAFI* | Not Stated |
| Medical screening | x |
| Cruise cover | x |
| Winter sports | Optional |
| Golf Cover | x |
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M&S Bank winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Optional Winter Sports Cover is available at M&S Bank and it comes with the following benefits:
- Up to £500 for winter sports equipment that you own
- Up to £250 for winter sports equipment that you hired
- Up to £250 per single item/article/set/pair of winter sports equipment
- Up to £250 replacement hire of winter sports equipment
- Up to £150 lift pass cover
- Up to £300 for interruptions caused by avalanche or landslide
- Up to £500 ski pack cover.
What are the other travel insurance options available at M&S Bank?
| Travel insurance options at M&S Bank | |
|---|---|
| M&S Bank golf cover | Not Available |
| M&S Bank business cover | Optional Business Travel Cover is not available, however, you are still eligible for the Single and Annual Multi Trip Policies if you're travelling for business. |
| M&S Bank cruise cover | Not Available |
| M&S Bank gadget cover | Not Available |
| M&S Bank other extras | Baggage and Belongings Cover is available as an upgrade. |
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call M&S Bank before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is M&S Bank travel insurance?
You'll find below indicative quotes per level of cover at M&S Bank:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at M&S Bank:
Policy name | Standard |
|---|---|
| Price - 3 days trip - 30 years old - Europe | £10,02 |
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It is, however, quite difficult to give precise price ranges as M&S Bank travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at M&S Bank?
There are no discounts mentioned on the website.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at M&S Bank.
What else should I know about M&S Bank travel insurance?
What are the general exclusions at M&S Bank travel insurance?
To be eligible for a travel insurance policy at M&S Bank:
- You have to be a resident of England, Wales, Northern Ireland or Scotland
- You must take reasonable precautions to protect yourself and your belongings
- You must provide consent to the company to access your medical records should there be any medical claims
- You must be aware that the company is entitled to take any legal action in your defence in case of an incident
- You must report claims as soon as possible
- You must not negotiate, reject or admit any claim without the company's permission in writing.
How do I get travel insurance quote from M&S Bank?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If M&S Bank is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to M&S Bank website?
Through the customer portal, you can access your policy documents.
You can log in through this page
How to claim at M&S Bank travel insurance?
There are 2 ways to make a claim and that is either online or through a phone call.
| How to claim on M&S Bank travel insurance? | |
|---|---|
| Claim online | You can claim online on this page by filling in the necessary details in the empty fields. |
| Claim by phone | 0800 051 4780 (UK) |
How do I contact M&S Bank travel insurance?
M&S Bank contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0800 051 6670 | Monday to Friday: 8am to 9pm |
| Medical Emergency | 0800 051 6561 (UK) '+44 160 360 4906 (Abroad) | Available 24/7 |
| Legal Cost Claims | 0800 015 7066 (UK) '+44 160 360 3344 (Abroad) | Available 24/7 |
| Renewals | 0800 051 6684 | Monday to Friday: 8am to 9pm |
M&S Bank other contact details
| Contact details | |
|---|---|
| Address | M&S Bank Travel Insurance |
| Not Stated |
How to cancel your annual M&S Bank travel insurance policy?
You will find below main information to cancel your travel insurance policy at M&S Bank:
| How to cancel M&S Bank travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by phone | 0800 051 6670 |
Our opinion on M&S Bank travel insurance
M&S Bank's travel insurance policies are underwritten by Aviva Insurance which is authorised and regulated by the Financial Conduct Authority.
They offer Single and Annual Multi Trip Policies with flexible limits and excesses. Aside from the main covers, they also offer optional additional covers such as Winter Sports and Belongings Cover.
Due to the lack of Defaqto rating and the low overall customer satisfaction rate on TrustPilot, we suggest you consider getting a travel insurance cover from other insurance companies such as Alpha Travel Insurance and Sainsbury's.
