Features and benefits
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 2**
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).
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.
Premier or standard car insurance cover?
Choose the right cover for you
With premier cover you get additional benefits worth over £400Footnote 4††
- 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††.
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 1* Customers who obtain a quote for a new M&S Premier Car
Insurance policy between 5 January 2021 and 29 April 2021 (inclusive) and purchase
within the quote validity period will qualify for £50 of M&S vouchers to spend in store (“the offer”).
The offer is open to new M&S Car Insurance customers who quote for and purchase a Premier Car Insurance
policy directly through the M&S Car Insurance website or over the phone with the M&S Car Insurance
Contact Centre (“eligible customers”). Customers who purchase a policy through a comparison, affiliate
or cashback website are not eligible for the offer. Existing M&S Car Insurance customers who are
amending or renewing their existing policy are not eligible for the offer. Eligible customers are able
to claim one offer per policy. Eligible customers will receive £50 of M&S vouchers (“the vouchers”) that
customers are entitled to spend at select M&S UK retail stores. The vouchers are valid for single use
only and can be used in full or part payment. No change will be given if the full value of a voucher is
not spent. The vouchers will be sent to eligible customers within 60 days of the start date of the
qualifying purchase. Customers will receive the vouchers through the post as long as their policy is
still active and has not been set to cancel by you, the insurer or BISL Ltd (who arrange and administer
M&S Car Insurance) on behalf of the insurer. The vouchers are not transferable, for auction, sale or
re-sale or redeemable for cash and there is no cash alternative. The vouchers are valid until 30 April
2022 and must be used before this expiry date (“voucher expiry date”). Replacements will not be issued
for lost or damaged vouchers or vouchers which have not been used by the voucher expiry date. The items
you can purchase with M&S vouchers are subject to further separate terms, conditions and exclusions
which can be found below. We reserve the right to withdraw or replace this offer with suitable
alternatives 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 (which is a trading name of Marks and Spencer Financial Service plc) for M&S Car Insurance
arranged and administered by BISL limited authorised and regulated by the FCA, Pegasus House, Bakewell
Road, Orton Southgate, Peterborough, PE2 6YS. Print and post of the Offer will be provided by MBA Group
Ltd., MBA House, London, N17 0HW.
Clothing, Beauty, Homeware, M&S Food and Flowers
Stationery, schoolwear, furniture, cards and wrap, beers, wines, spirits, Made to Measure Shirts, Made to Order Suits, tailoring alterations, ‘Your School’ Uniform Service, repair services, furniture disposal service, name tapes, Gift Cards/Vouchers, charity items, sale and clearance items, M&S Dine In, Food to Order, Lunch to You, M&S Cafes, deli bars, deli counters, Market Place, External Brands, Wasabi and restaurants. Valid in selected M&S UK stores, excluding Channel Islands, M&S Outlets, BP Connect and M&S stores located in airports, railway stations, motorway services, hospitals (as well as M&S Café, M&S Food to Go takeaway, counters, Deli, Kitchens and Restaurants) In Scotland and Wales, due to the minimum unit pricing legislation, beers, wines and spirits will not count towards your spending threshold for this offer and will not be discounted. The voucher can be used in full or part payment. No change will be given for qualifying purchases of less than the voucher amount. Voucher can be used with staff discount. Voucher applied after all other discounts (excluding staff discount, which will be applied last). Can only be used once in a single transaction. Must be handed in on redemption. Voucher is strictly non-transferrable and cannot be exchanged for money or money’s worth. Refunds will be given in accordance with your statutory rights only. A credit note for the value of this voucher will be issued if items are subsequently refunded. Offer cannot be used against purchases made prior to the receipt of the voucher. M&S reserves the right to reject this offer with reasonable cause. © Marks and Spencer plc. Registered office: Waterside House, 35 North Wharf Road, London W2 1NW. Registered number 214436 (England and Wales).
Footnote 4†† 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 £343.66 (this price is based on single personal level UK breakdown cover for £204.06 and all zones European breakdown cover of £139.60 based on a Mini Clubman 2016, manual, diesel). All prices obtained 03 September 2019. Terms, conditions, exclusions and limitations apply and a copy of the full policy wording and complaints procedure is available on request.