Features and benefits
Buy a new policy online and get 20% off. Discount excludes renewals, amendments and optional extras.
Buildings 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|
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.
What's not covered
M&S Home Insurance can’t cover everything, some of the things we don’t cover include:
- Wet rot or dry rot damage
- Damage caused by wear and tear
- Damage or theft if your home has been unoccupied for more than 60 days in a row
Read the policy wording for full details of what is and isn’t covered with M&S Home Insurance.
We carefully selected Aviva Insurance Limited to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.
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.