Support is available if you've been affected by the Coronavirus. Please don't cancel any payments or direct debits as missing a payment may mean you run the risk of your policy being cancelled and you could be left uninsured.

For more information please call your insurer Aviva on 0800 015 7760


Cover you can rely on from a name you can trust. Because when it comes to protecting your home there’s no room for compromise on quality.

  • Defaqto 5-star Rated home insurance.
  • Compare home insurance cover options – choose from standard or premier
  • Accidental damage cover included with all premier policies
  • Pay monthly at no extra cost. 0% APR representative

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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

Features and benefits

Fire, flood and more

M&S Home Insurance covers you for fire, flood, subsidence, storm damage and escape of water (excesses apply).

Cover for your home and possessions

M&S Home Insurance offers cover for your building and contents together or you can buy them separately. And if you make a claim under both buildings and contents, you’ll only pay one excess.

Easy application

Premier policies offer unlimited sums insured and you’ll get up to £1,000,000 buildings cover and up to £100,000 contents cover with a standard policy so you don’t need to guess how much it will cost to rebuild your home or how much your possessions are worth.

Cover for your valuables

There’s no need to list out your individual valuables either. There’s a single valuable item limits of £15,000 for a premier policy and it’s £10,000 with a standard policy.

Alternative accommodation

We’ll pay for somewhere for you to stay if you can’t live in your home due to damage covered by your policy.

New for old replacement items

If your belongings are lost or damaged you’ll receive brand new replacement items. Including clothes.

Bicycle cover

Both premier and standard policies provide automatic cover for your bicycles 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 including theft or damage of plants, as part of your contents cover.

Extra protection

You can add accidental damage cover to your standard policy for that extra peace of mind and 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

There are no charges if you want to spread the cost of your home insurance policy by Direct Debit. 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. 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 sums insured 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 Included Optional
Pedal cycle cover at home Unlimited Up to £100,000
New for old replacements (including clothes) Included Included
Garden contents Unlimited Up to £100,000
Storm damage to gates and fences Included Not covered
Up to 90 days unoccupancy Included Included
Protected no claims discount Optional Optional

Cover limits will be lower with a Standard policy. 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.

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 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.