M&S HOME INSURANCE

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:

• 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

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