Features and benefits
Fire, flood and more
M&S Home Insurance covers you for fire, flood, subsidence, storm damage and escape of water (excesses apply).
Cover for your home and possessions
M&S Home Insurance offers cover for your building and contents together or you can buy them separately. And if you make a claim under both buildings and contents, you’ll only pay one excess.
Premier policies offer unlimited sums insured and you’ll get up to £1,000,000 buildings cover and up to £100,000 contents cover with a standard policy so you don’t need to guess how much it will cost to rebuild your home or how much your possessions are worth.
Cover for your valuables
There’s no need to list out your individual valuables either. There’s a single valuable item limits of £15,000 for a premier policy and it’s £10,000 with a standard policy.
We’ll pay for somewhere for you to stay if you can’t live in your home due to damage covered by your policy.
New for old replacement items
If your belongings are lost or damaged you’ll receive brand new replacement items. Including clothes.
Both premier and standard policies provide automatic cover for your bicycles 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 including theft or damage of plants, as part of your contents cover.
You can add accidental damage cover to your standard policy for that extra peace of mind and 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
There are no charges if you want to spread the cost of your home insurance policy by Direct Debit. 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. 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 sums insured||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||Included||Optional|
|Pedal cycle cover at home||Unlimited||Up to £100,000|
|New for old replacements (including clothes)||Included||Included|
|Garden contents||Unlimited||Up to £100,000|
|Storm damage to gates and fences||Included||Not covered|
|Up to 90 days unoccupancy||Included||Included|
|Protected no claims discount||Optional||Optional|
Cover limits will be lower with a Standard policy. 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 90 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.