M&S Home Insurance

Claims are handled by Aviva Insurance Limited.

If you’re registered for online servicing you can make a claim online. If you haven’t already registered for online servicing, you can do this here. You’ll be able to check your level of cover and your policy excess and where possible, Aviva will give you an instant decision. Alternatively call 0800 051 2556. Lines are open 24 hours, 7 days a week.

Please have your policy number to hand.

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 £450 will apply to escape of water claims, this will be increased if you have chosen a higher voluntary excess on buildings or contents.