To support customers who are financially impacted by Covid-19, eligible M&S Home Insurance policyholders can apply to defer one month’s payment at a time for a maximum of three months.
Customers can find more information and submit a request via our financial support page.

Find out morefor M&S Home Insurance


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

Get a quote

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

*Excludes renewals and optional extras. Subject to minimum premiums and may be withdrawn at any time.

Features and benefits

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.


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:


  • 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


  • 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 2020 - 5 star - M&S Home Insurance

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, dry rot or frost damage
  • Damage caused by wear and tear
  • Damage or theft if your home has been unoccupied for more than 60 days in a row

Read the policy wording for full details of what is and isn’t covered with M&S Home Insurance.

M&S Home Insurance policy booklet(opens in a new window)

Get a quotefor M&S Home Insurance

or call

Apply over the phone:0800 015 6253

Lines are open Monday to Saturday 8am-6pm, Sunday 10am-4pm. Calls are recorded.

We carefully selected Aviva Insurance Limited to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.