M&S CAR INSURANCE
£50 M&S vouchers to spend in store when you take out a premier policyFootnote 1†
- Up to 15% cardholder discount onlineFootnote 2*
- Uninsured driver protectionFootnote 3** so you’re not out of pocket if you’re hit by a driver without insurance
- Premier or standard - choose the cover that's right for you
Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
£50 M&S voucher with new premier policies
Take out a new premier policy and you’ll receive a £50 M&S voucher to spend in store.Footnote 1†
Uninsured driver protection
It is reassuring to know that you can recover your excess even if you're hit by an uninsured driver.
Full details of vehicles and drivers involved required.
Save up to 15% as an M&S Bank cardholder
M&S Bank cardholders could save up to 15% when taking out a new car insurance policy and when renewing existing cover.Footnote 2*
Guaranteed replacement car with premier cover
If you can't drive your car after an accident, fire or theft, we'll give you a hire car for up to 28 days (subject to eligibility), and then a courtesy car after that if required (subject to availability).
Guaranteed replacement car cover options can be added to standard policies.
Child car seat cover
Up to £150 per child car seat. Covered whether damaged or not when the insured car is involved in an accident.
Personal claims manager
If you need to make a claim, you'll be appointed your own personal claims manager. They'll act as your main point of contact throughout. And they'll keep you informed of the progress of your claim from start to finish.
£100,000 legal protection with premier cover
Reassuringly, if you should ever need to go to court to recover losses that aren't covered by your policy, your legal fees will be taken care of, up to a limit of £100,000.
Breakdown cover included with premier cover
RAC European and UK breakdown cover is included, covering you even if you're a passenger in another car. Optional levels of breakdown cover can be added to standard policies (covers your vehicle only).
Driving abroad?
Going on holiday? With M&S Car Insurance you can take your car anywhere in the European Union for up to 90 days in any single cover period.
Personal accident cover - for peace of mind
If you or your spouse is injured in a car accident, you could claim up to £10,000 (comprehensive cover only).
High quality repairs
If your car is damaged and you need to make a claim, we'll arrange for it to go to one of our nationwide approved repair centres. As you'd expect, the work will be carried out to our high standards - we'll even provide a 3 year guarantee.
Footnote 1†[1][2] Customers who take out a new M&S Car Insurance Premier Cover policy between 3 July 2018 and 27 September 2018 will receive £50 M&S vouchers. M&S vouchers are available to customers who obtain a premier car insurance quote up to and including 27 September 2018 and go on to purchase a policy by 4 October 2018. Vouchers will be dispatched within 30 days of their policy purchase date. Vouchers will not be issued if you have closed or cancelled your policy within 14 days of their policy start date. No cash alternative available. Vouchers are available to new customers only, purchasing their policy via the M&S Bank website or telephone, and are not available to customers buying from a price comparison, affiliate or cashback website. M&S vouchers must be used by 30 November 2018 and are subject to terms and conditions. Vouchers are not available to customers living in the Isle of Man or Channel Islands. Not available to customers amending or renewing their existing M&S Car Insurance policy. We reserve the right to withdraw or replace the offer with a suitable alternative at any time and without notice. The promoter of this offer is Marks & Spencer Financial Services plc, Kings Meadow, Chester, CH99 9FB. This offer is being administered and managed on behalf of M&S Bank by MBA Group Ltd., MBA House, London, N17 0HW.
Footnote 2*[3][4] All direct M&S Bank cardholders qualified for a discount between January and February 2018, with 33% qualifying for a 15% discount.
You will need to be a named driver on the policy with your address matching the motor policy address. The discount will be applied automatically to the net premium only, excluding any add-on products or charges, so the price presented at the end of the quote will be inclusive of the discount. Not available to customers amending an existing M&S Car Insurance policy. We reserve the right to withdraw or amend this offer without notice.
Footnote 3**[5] Full details of vehicles and drivers involved required.
Instant help
Important documents
M&S Car Insurance premier policy document
M&S Car Insurance standard policy document
M&S Car Insurance Privacy Notice
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader
FAQs
How do I make a claim?
If you need to make a claim, you should call 0344 412 2160 as soon as possible. The Claims team is here to help you 24 hours a day, 365 days a year. Make sure you've got your policy number to hand when you call.
Can someone else drive my car for a short period?
Your policy only covers the named drivers listed in section 5 of your Certificate of Motor Insurance. If anyone else drives your car, including members of your family or someone living with you, your car won't be covered. If you want to let someone else drive your car for a short period, you can add them to your policy as a temporary driver for up to 14 days. To extend this period, you can add the same person as a temporary driver again. You can do this up to three times before you have to include them as a named driver on your policy.
Even if your policy only covers you for private use and commuting, a temporary driver can also be covered for business use, as long as this is linked to the main driver's business. The minimum premium to add a temporary driver to your policy is currently £10 for each 14 day period. An administration fee may also apply in addition to this premium. To add a temporary driver, call the Customer Services team on 0344 412 2157. Lines are open 8am–9pm Monday to Friday, 9am–8pm Saturday, 10am–4pm Sunday and 9am–5pm bank holidays. Please have your policy details to hand when you call.
Premier or standard car insurance cover?
Choose the right cover for you
Premier cover
With premier cover you get additional benefits worth over £390Footnote 4††
These include:
- European and UK breakdown cover, worth £347.95Footnote 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 £30.63Footnote 4††.
- Up to £100,000 motor legal protection to help you claim for uninsured losses, worth £26.29Footnote 4††.
Standard cover
If you don't need all these benefits, you can keep the cost of your insurance down by choosing standard cover which comes with:
- Uninsured driver protection – so you're covered if you're hit by someone else without insurance. You will need to provide a minimum of the make, model, and registration number of the vehicle involved, and the driver’s details.
- 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 could cost you less to upgrade to premier.
Compare comprehensive premier and standard cover
| Cover benefits | Premier cover | Standard cover |
|---|---|---|
| Breakdown 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 | Included | Included |
| Motor legal protection | Included | Optional |
| Guaranteed replacement car- subject to eligibility | Included - 28 days | Optional - 14, 21 or 28 days |
| Courtesy car - subject to availability | Included | Included |
| European Union travel - unlimited trips up to 90 days per cover period | Included | Included |
| Loss, theft, damage and destruction of vehicle | Included | Included |
| Loss, theft, damage to personal property in vehicle | Included | Included |
| Personal accident cover for you and your spouse - up to £10,000 | Included | Included |
| Child seat cover up to £150 | Included | Included |
| Approved repairs guaranteed for 3 years | Included | Included |
| Claims line with personal claims manager | Included | Included |
Footnote 4††[6][7][8][9] Motor legal protection is £26.29 and guaranteed replacement car is £30.63 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 equivalent breakdown cover with the AA is £347.95 (this price is based on single personal level UK breakdown cover for £197.34 and annual all zones European breakdown cover of £150.61 based on a Ford Focus 1.6L 2014, manual, diesel). All prices obtained 14 September 2017. Terms, conditions, exclusions and limitations apply and a copy of the full policy wording and complaints procedure is available on request.
Lines are open 8am-9pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 9am-5pm bank holidays. Calls are recorded.