M&S Car Insurance

Learn more about M&S car insurance

M&S Bank car insurance logo

Last reviewed 23 August 2022

Why choose M&S car insurance?

  • 3-year guarantee on approved repairs
  • Uninsured driver protection
  • £200 personal belongings cover

M&S are more than just a high street name – they’re a bank, credit card provider and insurance broker too.

They offer two levels of car insurance cover – standard and premier.

With a standard policy, you’ll get everything you’d expect from fully comprehensive car insurance. You’ll get a few added benefits too, like guaranteed cover if you’re hit by an uninsured driver, £200 of personal belongings cover and a 3-year guarantee on approved repairs.

Their premier cover gives you all this and more. You’ll get the same level of protection, as well as some handy extras like EU and UK breakdown cover, replacement car provision if yours is damaged, and up to £100,000 of motor legal protection to help you claim for any uninsured losses you suffer as the result of an accident.

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Who is M&S?

Marks & Spencer (M&S) was founded on 28th September 1884 in an open market in Leeds, Yorkshire when Michael Marks joined forces with senior cashier Thomas Spencer.

Michael Marks came to the north of England from his hometown of Slonim, Belarus. Prior to joining forces with Thomas Spencer, he ran a ‘Penny Bazaar’ stall selling household goods. These days, that penny bazaar is known as Leeds' Kirkgate Market.

Since these humble beginnings over 130 years ago, M&S has gone from strength to strength, diversifying its business to include retail, banking, insurance and energy.

M&S now employs over 78,000 employees, operating in 62 international markets.

The company’s latest annual report revealed group revenue of £9.17bn in 2021.

M&S car insurance is arranged and administered by BISL Limited using a panel of more than 10 insurers including Ageas, Allianz, Aviva, Covea, LV=, Sabre, Zenith, and Zurich.

The specific insurer who is underwriting your policy will be displayed on your policy documents.

M&S car insurance policy details

M&S offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

M&S break their car insurance down into two types:

  • Standard comprehensive
  • Premier comprehensive 

If you choose M&S’ premier cover, you’ll get some handy extras included with your policy.

If you opt for their standard cover option, however, you’ll miss out on a few extras. But don't worry: M&S allow you to these on to your policy for an extra fee.

This can help you tailor your policy to your specific needs, ensuring you get access to the add-ons you need, without having to pay for the ones you don’t.

M&S’ optional extras include:

  • Motor legal protection
  • Replacement car guarantee
  • Breakdown cover

Standard comprehensive is M&S’ basic fully comprehensive policy. It’ll cover you for any damage you inflict on a third party, and for any damage to your own vehicle.

You’ll also get:

  • Uninsured driver protection, which covers you if you’re hit by someone who doesn’t have car insurance
  • Three-year guarantee on repairs carried out by M&S-approved repairers
  • £200 personal belongings cover
  • Child seat cover (up to £150) if yours is damaged during an accident
  • Personal accident cover of up to £10,000 if you or your spouse is injured in a crash
  • Courtesy car provision
  • 90-day European travel cover

Premier comprehensive gives you all of the above, as well as some additional benefits.

These include:

  • RAC European and UK breakdown cover that'll cover you even if you’re a passenger in another car
  • Use of a guaranteed replacement car for up to 28 days after an accident, fire, or theft (subject to eligibility)
  • Up to £100,000 motor legal protection to help you claim for uninsured losses

No matter what level of cover you choose, if you make a claim, it will be handled by your very own personal claims manager from the start of the process to the end.

You’ll also be covered against loss, theft or damage to your vehicle regardless of which policy you opt for.

Contact M&S

You can contact M&S via their website.

Or you can give them a call on 0800 107 18 27.

Lines are open Monday to Friday, 8am to 8pm; Saturday 8am to 6pm and Sunday 10am to 4pm.

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