or standard car insurance cover?
Choose the right cover for you
With premier cover you get additional benefits worth over £478Footnote 4††
- European and UK breakdown cover, worth £429.74Footnote 4††. As it covers you,
not just your vehicle, we'll
keep you on the road 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) worth £21.24Footnote 4††.
- Up to £100,000 motor legal protection to help you claim for uninsured losses, worth
If you don't need all these benefits, you can keep the cost of your insurance down by choosing standard
which comes with:
- Uninsured driver protection – so you're covered if you're hit by someone else without
will need to provide a minimum of the make, model, and registration number of the vehicle involved,
- 3 year guarantee on repairs carried out by our approved repairers.
- Child seat cover – replacement child seat (up to £150) after an accident.
- £200 personal belongings cover.
You can also add some of the benefits included with premier as optional extras. In some instances it
you less to upgrade to premier.
Compare comprehensive premier and standard cover
|Included - European and UK cover. Also covers you as a passenger in another car.
|Optional - four levels available covering your vehicle only.
|Uninsured driver protection
|Motor legal protection
|Guaranteed replacement car - subject to eligibility
|Included - 28 days
|Optional - 14, 21 or 28 days
|Courtesy car - subject to availability
|European travel - unlimited trips up to 90 days per cover period
|Loss, theft, damage and destruction of vehicle
|Loss, theft, damage to personal property in vehicle
|Personal accident cover for you and your spouse - up to £10,000
|Child seat cover up to £150
|Approved repairs guaranteed for 3 years
|Claims line with personal claims manager
Footnote 3†† Motor legal protection is £27.79
and guaranteed replacement car is £21.24 based on 28 days, costs based on the add-on prices for
M&S Car Insurance Standard Cover. Breakdown cover is provided by RAC for M&S Car Insurance customers,
the equivalent cover is not available directly from rac.co.uk. The cost of the equivalent breakdown cover
with the AA is £429.74 (this price is based on single personal level UK breakdown cover for £258 and all
zones European breakdown cover of £171.74 (based on a Vauxhall Corsa, 2019, manual, petrol).
All prices obtained 13 December 2023.
Terms, conditions, exclusions and limitations apply and a copy of the full policy wording and complaints procedure is available on request.