£50 voucher with new premier policiesFootnote 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

Get a quote

Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.

Features and benefits

50 pound m and S voucher

£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

Save up to 15% when you buy online

M&S Bank cardholders could save up to 15% when taking out a new car insurance policy and when renewing existing cover.Footnote 3*

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.

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 involved required.

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] M&S vouchers are available to customers who obtain a quote between 4 January 2018 and 24 April 2018 and go on to purchase a premier policy within the quote validity period. Vouchers will be dispatched within 60 days of the first payment being received. Vouchers will not be issued if customers have closed or cancelled their policy within these 60 days. No cash or gift card alternative is available. M&S vouchers are subject to terms and conditions and can only be used in store. Vouchers are available to new customers only via the M&S Bank website and telephone and not available to customers from the Isle of Man and Channel Islands or customers buying from price comparison, affiliate or cashback websites. Not available to customers amending or renewing their existing M&S Insurance policy. Online discounts apply to new online policies only, subject, where applicable, to minimum premiums and excludes renewals and optional extras. We reserve the right to withdraw or replace the offer with a suitable alternative at any time and without notice.

Footnote 2*[2] All M&S Bank cardholders qualified for a discount between June and August 2017, with 37% 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**[3] Full details of vehicles involved required


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.
  • 3 years 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††[4] 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.

Get a quotefor M&S Car Insurance

or call

Apply over the phone:0800 107 1827

Lines are open 8am-9pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 9am-5pm bank holidays. Calls are recorded.