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