M&S HOME INSURANCE

There are no claim forms to complete. Just call our 24 hour claims line on 0800 111 4901 – and our claims team will be happy to help you.

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' instalments by credit or debit card and the remaining amount will be paid in 10 monthly instalments by Direct Debit. When your policy becomes due for renewal 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. Automatic renewal will continue unless you tell us otherwise.

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 after the 31 days then a mid-term cancellation fee of £25 may be charged. If you wish to cancel before 31 days, 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 apply a single excess to your claim, which will be the higher of the two if they are different. Please note that this excess does not apply to any buildings claim for subsidence, heave or landslip where an excess of £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 will only need to give us a value for individual items of pedal cycles worth over £1,000 or the total amount of cover you will need for all the contents you may take out of your home.

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: £2m
• 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

After the storm came calm with an easy claims process

We had some pretty torrential storms and one night the roof of our summerhouse was ripped off in the middle of the night. The storms continued the next day; luckily I managed to cover the roof with a tarpaulin to stop the rain getting in. There's quite a bit in my summerhouse, including an expensive suite. If the rain had got in there, it would have cost me an awful lot of money to replace.

The next morning I phoned M&S Bank, and they explained that an assessor would be with me within a couple of days. When he arrived, he assessed the damage, and gave me a quote – he was very, very helpful!

The whole claims process was all very easy! All I needed was my policy number and that was it.

Peter Brooke
Dorset

The storms blew the house away, but M&S were there to put things right

During the storms a tree around 13 metres in height came down and destroyed our summerhouse. The following morning I phoned M&S and received a very fast response from them. The assessor actually came out the same day! He photographed the damage and gathered all the information needed to assess the claim. I was very happy with the process.

The assessment was carried out and I have to admit that he was very professional; I was impressed with the whole service.

Gareth Davis