To support customers who are financially impacted by Covid-19, eligible M&S Home Insurance policy holders 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
Receive a home security device when you buy a new combined buildings and contents policy*
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 take out a new combined buildings & contents policy with a first payment date between 1 October and 10 December inclusive can choose one of the following home security devices:
a. Ener-J Smart Premium Indoor IP Camera with Auto Tracker
b. Ener-J Smart Wireless Video Doorbell with Chime (black)
To be eligible for the home security device customers must buy 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.
Offer only available for new policies and not for renewals or changes to existing policies.
Full offer terms and conditions apply.
Buy a new policy online and get 20% off. Discount excludes renewals, amendments and optional extras.
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).
As part of your cover, we’ll pay for somewhere for you to stay if your home is uninhabitable after serious damage.
M&S Home Insurance covers you for fire, flood, subsidence, storm damage and escape of water (excesses apply).
If your belongings are lost or damaged you’ll receive brand new replacement items. This includes clothes.
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.
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.
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.
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.
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.
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 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
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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.
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.
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.
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.
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:
Standard:
Defaqto
5 Star rated Home Insurance
With premier home insurance from M&S Bank, you get extensive protection – including cover for:
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.
M&S Home Insurance can’t cover everything, some of the things we don’t cover include:
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-4pm 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 combined M&S Home Insurance buildings and contents policy with a first payment date between 1 October and 10 December 2020 (inclusive) via the M&S Bank website or telephone can choose from one of the following home security devices:
a. Ener-J Smart Premium Indoor IP Camera with Auto Tracker
b. Ener-J Smart Wireless Video Doorbell with Chime (black)
This offer is not available to customers amending or renewing their existing M&S Home Insurance buildings and contents policy and is not available to customers buying from a price comparison, affiliate or cash back website. The offer is limited to one security device per policy. 45 days after your first payment date, you will be sent a communication which will include a unique code so you can claim your home security device. The communication will be sent to your registered email or postal address. A unique code will not be issued if you, the insurer, M&S Bank on behalf of Aviva cancel or terminate your policy within 45 days of your first payment date. You need to choose your home security device within 60 days of receiving your communication, after this time your unique code will automatically expire. The expiry date will be confirmed within your communication. Your chosen home security device will be sent to your registered postal address via Royal Mail second class post within 14 working days of you claiming your chosen security device by use of your unique code. A choice of home security device is available to UK customers only, and is not available to customers from the Isle of Man and Channel Islands. There is no cash or gift card alternative available. We reserve the right to withdraw or replace this offer with a suitable alternative at any time and without notice. M&S Bank is a trading name of Marks & Spencer Financial Services plc. 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 by The Marketing Lounge Partnership, The Cow Shed, Walnut Tree Farm, Lower Stretton, Cheshire, WA4 4PG.