If you're a homeowner in the UK and want to temporarily welcome Ukrainian refugees into your home as non-paying guests, you don't need to tell us. Your home insurance cover will stay the same and provide cover for visitors.

This applies for the first 12 months that any refugees live with you, including when your policy is due for renewal. After 12 months, if any refugees are still living with you, then you should tell us when you next renew your policy.

We'd encourage you to check your policy to make sure it covers your needs. Be aware of any existing terms in your policy that might apply to visitors and get in touch with us if you want to discuss your cover.

Manage your policy – M&S Home Insurance

Want to renew, change or cancel your policy or need to make a claim? Here's how to get in touch with us.

View your policy documents online (opens in a new window)

You can view your policy documents online if you have registered for online servicing. If you took your policy out over the phone and did not register for online servicing, please call 0800 015 7760.

Renew your policy (opens in a new window)

We’ll send you a reminder before your current policy expires. This will explain what you need to do to renew your home insurance. You can renew your home insurance and make changes online (opens in a new window).

Make a claim

Claims are handled by Aviva Insurance Limited.

You can make a claim online. By accessing this link you will leave the M&S Bank website and will be transferred to the Aviva website to make your claim. If you make your claim online between 08:00 and 18:00 Monday to Friday, your insurer - Aviva – will aim to come back to you within 2 hours to progress it. Or you can call Aviva on 0800 051 2556.

Before you make a claim - either by phone or online - please make sure you have your policy number with you.

Claim on home emergency cover

If you take out home emergency cover we'll include it in your policy schedule, along with details of the emergency repairs it covers.

If you need to make a claim, please call 0800 051 2658.

Please have your policy number to hand when you call.

Claim on legal expenses cover

If you take out legal expenses cover, this will be included in your Policy Schedule. For confidential legal advice or to make a claim on your legal expenses, please call 0800 051 4004.

Change your cover

Are you moving house? Do you need to reduce your cover or cancel your policy? To make changes to your cover please call 0800 015 7760.

Make a complaint

Call us on 0800 051 4011 or write to us, quoting your policy or claim number, at M&S Home Insurance, PO Box 7463, Perth PH2 0YX.

Opening hours

Renewals

Monday to Friday 8am-8pm
Saturday 8am-6pm
Sunday 10am-2pm

Claims

Open 24 hours

Home emergency

Open 24 hours

Legal expenses cover

Monday to Friday 8am-9pm
Saturday 9am-6pm
Sunday 10am-2pm

Changing your cover and complaints

Monday to Friday 8am-8pm
Saturday 8am-6pm
Sunday 10am-2pm

Calls are recorded.

Important documents

M&S Home Insurance Product Information Document(opens in a new window)

M&S Home Insurance policy booklet(opens in a new window)

M&S Home Insurance summary of cover limits(opens in a new window)

M&S Home Insurance Privacy Notice(opens in a new window)

Home or away offer participating venues(opens in a new window)

M&S Home Insurance - about our insurance services(opens in a new window)

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