M&S HOME INSURANCE
Enjoy £50 M&S vouchers to spend in store with a new combined buildings and contents policy *
- Save 20% when you buy a new policy online**
- Pay monthly at no extra cost; 0% APR representative
- You can choose an alternative settlement instead of repairing or replacing an item when you claim
- Compare home insurance cover options – choose from standard or premier
M&S Home Insurance is underwritten by Aviva Insurance Limited. Terms and conditions apply.
M&S Home Insurance is not available to customers who live in the Channel Islands or Isle of Man
* Customers who purchase a new M&S Home Insurance combined buildings and contents policy between 5 January 2021 and 29 April 2021 (inclusive) will receive £50 M&S vouchers to spend in store ("the Offer"). To be eligible for the Offer, customers must purchase their combined buildings and contents policy over the telephone or direct from the M&S Bank website. Policies bought via price comparison, cashback or Affiliate websites are not eligible for the Offer. Customers should allow 60 days from the date they take out their policy for their vouchers to arrive. Full voucher terms and conditions apply
** Excludes renewals and optional extras. Subject to minimum premiums and may be withdrawn at any time.
Online offer
Buy a new policy online and get 20% off. Discount excludes renewals, amendments and optional extras.
Buildings and contents claim
If you make a claim for something that affects both buildings and contents we will only apply one excess which will be the higher of the two (the excess for subsidence, heave or landslip is at least £1,000 and the excess for escape of water will be at least £250).
Alternative accommodation
As part of your cover, we’ll pay for somewhere for you to stay if your home is uninhabitable after serious damage.
Fire, flood and more
M&S Home Insurance covers you for fire, flood, subsidence, storm damage and escape of water (excesses apply).
New for old replacement items
If your belongings are lost or damaged you’ll receive brand new replacement items. This includes clothes.
Accidental damage
Accidental damage cover is included with all premier policies. If you choose our standard policy you can still select this cover as an optional extra.
Pedal cycle cover (at home)
Both premier and standard policies provide automatic cover for your pedal cycles when they’re at home. You can also choose additional cover to help protect your bikes whilst you’re out and about.
Garden contents
Cover for the contents of your garden (except valuables and money, where individual limits apply) including theft or damage of plants, as part of contents cover.
Extra protection
If you add home emergency cover to your policy, you'll have extra protection against household emergencies such as plumbing problems caused by leaking pipes or your boiler breaking down. You can also add legal expenses cover worth up to £50,000 and contents away from home cover to your policy.
No fees or charges
You can spread the cost of your home insurance policy by Direct Debit – and we won't charge you more to do this. We don’t charge a fee for mid-term changes, but there may be an additional premium to pay. We also don’t charge a fee for cancellation or for duplicate policy documents.
Instant help
Important documents
M&S Home Insurance product information document(opens in a new window)
M&S Home Insurance policy booklet(opens in a new window)
M&S Home Insurance policy booklet - Effective 18 December 2020(opens in a new window)
M&S Home Insurance summary of cover limits(opens in a new window)
M&S Home Insurance Privacy Notice(opens in a new window)
M&S Home Insurance - about our insurance services(opens in a new window)
Review our full Home Security Checklist(opens in a new window)
Read our flood information guide
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader
FAQs
How do I make a claim?
If your policy number begins with MHO you can make a claim online, or call 0800 051 2556 and our claims team will be happy to help. Lines are open 24 hours, 7 days a week.
There are no claim forms to complete.
If your policy number begins with 830, please call our claims line on 0800 111 4901. Lines are open 8am-8pm Monday to Friday and 9am-5pm Saturday.
Please have your policy number to hand when you call.
How can I pay?
You can pay by monthly instalments or in one annual premium.
Monthly instalments are paid by Direct Debit and there is no additional charge to pay this way. We will take the first two months' payment by credit or debit card and the remaining amount will be paid in 10 monthly instalments by Direct Debit. If you choose to renew your policy, we will continue to take payments by instalment unless you tell us otherwise.
You can make an annual payment each year by credit or debit card and to assist you at renewal we can automatically renew the policy by your chosen payment method to make sure you continue to be covered.
Are there any charges to change or cancel my policy?
We don't charge a fee for mid-term changes, but depending on the change, there might be an additional premium to pay. To make sure that you have the right cover in place, please let us know of any changes that occur during the annual policy term.
If you wish to cancel the policy, there is no charge to do so.
What's a policy excess?
This is the amount of money you have to pay if you make a claim.
M&S Home Insurance has an excess of £100 on the buildings and contents sections, and you can choose to increase the excess and receive a discount to your premium.
If you make a claim that affects both the buildings and the contents, we will only charge you one excess on your claim, this will be the higher of the two if they are different.
Please note that for any buildings claim for subsidence, heave or landslip an excess of at least £1,000 will apply. Also an excess of at least £250 will apply to escape of water claims, this will be increased if you have chosen a higher voluntary excess on buildings or contents.
How do I know how much to insure my home and contents for?
You need to give us a value for the total amount of cover you need for all the contents you may take away from your home at any time and if you want Pedal Cycle cover away from home you need to tell us the value of your most expensive cycle.
Otherwise you just need to make sure that our cover limits are sufficient for you:
Premier:
- Buildings: unlimited
- Contents: unlimited
- Contents away from home: your choice up to a max total of £50,000
- Total valuables in the home: £50,000
- Single valuable items: £15,000
- Data: £2,500
- Property owners' and personal liability cover: £5m
- Domestic employees' liability cover: £10m
- Tenants' liability: £40,000
Standard:
- Buildings: £1m
- Contents: £100,000
- Contents away from home: your choice up to a max total of £25,000
- Total valuables in the home: £25,000
- Single valuable items: £10,000
- Data: £2,500
- Property owners' and personal liability cover: £2m
- Domestic employees' liability cover: £10m
- Tenants' liability: £40,000
Cover you can rely on
Defaqto
5 Star rated Home Insurance
Premier or standard home insurance cover?
With premier home insurance from M&S Bank, you get extensive protection – including cover for:
- accidental damage – from paint spills on the carpet to knocking a nail through a pipe
- storm damage to gates and fences
- accidental damage to freezer contents
- visitors' belongings
- students' possessions – when your children are at university or college
- a dependent relative's possessions – when they're in a residential care home
You'll pay less for our standard home insurance, but your cover limits will be lower – and you won't automatically get the same level of protection against accidental damage. For a detailed comparison, please refer to the relevant policy booklets, or for a quick comparison take a look at the table below:
| Cover benefits | Premier | Standard |
|---|---|---|
| Buildings insurance limit | Unlimited (inner limits apply) | Up to £1,000,000 (inner limits apply) |
| Contents insurance limit | Unlimited (inner limits apply) | Up to £100,000 (inner limits apply) |
| Accidental damage cover | Optional | |
| Pedal cycle cover at home | Unlimited | Up to £100,000 |
| New for old replacements (including clothes) | ||
| Garden contents | Unlimited | Up to £100,000 |
| Storm damage to gates and fences | ||
| Up to 90 days unoccupancy | ||
| Protected no claims discount | Optional | Optional |
Cover limits will be lower with a Standard policy, and you won't automatically get the same level of protection against accidental damage. Please ensure you read the policy booklet for full details and to check this policy meets your needs. There are key policy exclusions, limitations and other conditions. For example, M&S Home Insurance does not cover loss or damage resulting from wear and tear.
What's not covered
M&S Home Insurance can’t cover everything, some of the things we don’t cover include:
- Wet rot or dry rot damage
- Damage caused by wear and tear
- Damage or theft if your home has been unoccupied for more than 90 days in a row
Read the policy wording for full details of what is and isn’t covered with M&S Home Insurance.
Lines are open 8am-8pm Monday to Friday, 8am–6pm Saturday, 10am-2pm Sunday. Calls are recorded.
We carefully selected Aviva Insurance Limited to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.
* Customers who purchase a new M&S Home Insurance
combined buildings and contents policy between 5 January 2021 and 29 April 2021 (inclusive)
will receive £50 M&S vouchers to spend in store ("the Offer"). The offer is open to new M&S Home Insurance
customers who purchase a combined buildings and contents policy via the M&S Bank website or telephone
("eligible customers"). Customers who purchase a policy through a comparison, affiliate or cashback website
are not eligible for the offer. Existing M&S Home Insurance customers who are amending or renewing an
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") to spend at selected 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 first payment date. Customers will receive the vouchers via post as long as their policy is
still active and has not been set to cancel by you, the insurer or M&S Bank on behalf of Aviva. 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 Home
Insurance by The Marketing Lounge Partnership, The Cow Shed, Walnut Tree Farm, Lower Stretton, Cheshire, WA4
4PG.
Voucher Inclusions:
Clothing, Beauty, Homeware, M&S Food and Flowers
Voucher Exclusions:
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).