M&S CAR INSURANCE
Personal claims manager to keep you informed from start to finishFootnote 1*
- Uninsured driver protectionFootnote 3† so you’re not out of pocket if you’re hit by a driver without insurance.
- Guaranteed replacement car with premier cover
- 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.
Personal claims manager
No matter the level of cover you choose, if you make a claim, it will be handled by your very own personal claims manager from start to finish, delivering the type of service you'd expect from M&S Bank.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.
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 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).
£100,000 legal protection with premier cover
If you're in a car accident that's not your fault, your policy provides legal expenses to help you and your passengers claim for uninsured losses. 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.
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.
* [1] [2] If you need to make a claim, you’ll be appointed your own personal claims manager, who will help ensure everything runs smoothly. 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. It couldn’t be simpler.
† 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
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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 £400Footnote 4††
These include:
- European and UK breakdown cover, worth £388.86Footnote 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 £30.09Footnote 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 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][5][6][7] Motor legal protection is £26.29 and guaranteed replacement car is £30.09 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 £388.86 (this price is based on single personal level UK breakdown cover for £216.22 and annual all zones European breakdown cover of £172.64 based on a Mini Paceman 2013, manual, petrol). All prices obtained 21 November 2018. 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.