Pay monthly at no extra cost

0% APR representative

  • Save 20% when you buy home insurance online (subject to minimum premium, excludes renewals and optional extras)
  • New for old cover on all replaced contents
  • Compare home insurance cover options – choose from standard or premier

Get a quote

M&S Home Insurance is underwritten by AXA Insurance UK plc. Terms and conditions apply.

Features and benefits

Save up to 20% when you buy online

Excludes optional extras. Offer is available on new policies only and not available to customers renewing existing cover. Offer is subject to minimum premium and may be withdrawn at any time.

Alternative accommodation

As part of your cover, you'll be given somewhere to stay if your home is uninhabitable after serious damage.

Change your excess

Our minimum excess is £100 for buildings insurance and £100 for contents insurance. You can reduce your premium by increasing your excess (up to an amount of £850), but you would need to pay more after a claim.

Flexible claim service

If you have to make a claim, you can choose to take a cash or cash equivalent (store vouchers or cards) settlement instead of replacing an item or having the item repaired (The amount you receive will reflect any discounts we may have been given for a replacement or repair).

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 fixed at £1,000 and the excess for escape of water will be at least £250).

Garden contents

Cover for contents in your garden (except valuables, money and bikes, where individual limits apply).

Pay by instalments – at no extra cost

You can spread the cost of your home insurance policy over 11 months. You'll pay by Direct Debit – and we won't charge you more to do this.

Extra protection

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.


How do I make a claim?

There are no claim forms to complete. If your policy number begins 830, please call our claims line on 0800 111 4901. Lines are open 8am-8pm Monday to Friday and 9am-5pm Saturday.

If your policy number begins MHO, please call 0800 051 2556 and our claims team will be happy to help. Lines are open 24 hours, 7 days a week.

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' 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.

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 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.

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 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.

How do I know how much to insure my home and contents for?

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:


  • 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


  • 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 2017 - 5 star - M&S Home Insurance

5 star home insurance rating

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:

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)
Full accidental damage Optional
Pedal cycle cover at home Up to £1,000 Up to £1,000
Garden contents Unlimited Up to £100,000
Storm damage to gates and fences
Theft or damage of plants (part of contents cover)
Garden furniture and equipment
Replacement locks and keys

Get a quotefor M&S Home Insurance

or call

Apply over the phone:0800 068 2742

Lines are open 8am-9pm Monday to Friday, 9am-6pm Saturday, 10am-2pm Sunday. Calls are recorded.

We carefully selected AXA Insurance UK plc to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.