Mortgages

M&S Bank Mortgages

M&S Bank Mortgages are subject to status and security. M&S Bank will supply information and product details to help you to make an informed decision about the most appropriate mortgage from our range. A Mortgage advice service is available, by telephone, for further information please speak to one of our mortgage team on 0800 923 1536

Mortgage Credit Directive(opens in a new window)

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Cards

Credit card

Premium Club

We are not currently accepting new members for M&S Premium Club. If you are an existing member and need more information on the terms and conditions, please call us on 0345 900 0900. Calls are recorded.

Loans

Personal loans

To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident and be aged 18 or over.

Your guide to credit scoring

M&S Bank Privacy Notice

Insurance

Important Information

Home insurance

About Us – Important Information

Whose products are offered?

Only M&S Home Insurance which is underwritten by Aviva Insurance Limited.

What service is provided?

You will not receive any advice or recommendation about M&S Home Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Their Financial Services Registration number is 202153.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint?

If you have a complaint, it should be addressed to the Customer Care team.

For policies beginning 830, please call 0800 121 4070, write to Head of Customer Care, M&S Home Insurance, Civic Drive, Ipswich IP1 2AN or email: customercare@axa-insurance.co.uk.

For policies beginning MHO, please call 0800 015 7760 or write to Head of Customer Relations, M&S Home Insurance, PO Box 7463, Perth, PH2 0YX. Calls are recorded.

Please provide your policy number or claim number in any correspondence. If you are not satisfied you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Get a quote for M&S Home Insurance

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)

M&S Home Insurance – about our insurance services

Car insurance

About Us – Important Information

Whose products are offered?

Only M&S Car Insurance administered by BISL Limited. BISL Limited acting as an insurance intermediary who provide insurance products from a range of insurers.

What service is provided?

You will not receive any advice or recommendation about M&S Car Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

BISL Limited are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Their Financial Services registration number is 308896.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint

If you wish to make a complaint, please contact us, by phone on 0344 858 6877, or in writing to Service Quality & Assessment Manager, Fusion House, Bretton Way, Peterborough, PE3 8BG.

For full details of our complaints handling process please see the section marked 'Our Service Commitment' in your main policy documentation.

We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body.

Important documents

M&S Car Insurance privacy notice

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Travel insurance

About us – important information

Whose products are offered?

Only M&S Travel Insurance which is underwritten by Aviva Insurance Limited.

What service is provided?

You will not receive any advice or recommendation about M&S Travel Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Their Financial Services Registration number is 202153.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint

If you have a complaint, it should be addressed to the Customer Services team on 0800 056 3394. Alternatively you may write to M&S Travel Insurance Customer Care Team, Customer Service Centre, PO Box 7463, Perth, PH2 0YZ.

Please provide your policy number or claim number in any correspondence.

If you are not satisfied, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

M&S Travel Insurance Product Information Document

M&S Travel Insurance Policy Wording

M&S Travel Insurance Important Information

M&S Travel Insurance Summary of Cover limits

M&S Travel Insurance privacy notice

M&S Travel Insurance - about our insurance services

Pet insurance

About Us – Important Information

Whose products are offered?

Only M&S Pet Insurance which is underwritten by Royal & Sun Alliance Insurance plc.

What service is provided?

You will not receive any advice or recommendation about M&S Pet Insurance. You will need to make your own choice about how to proceed.

Who are we regulated by?

M&S Insurance is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services registration number is 151427.

Royal & Sun Alliance Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Royal & Sun Alliance Insurance plc registered in England and Wales No.93792. Registered Office: St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Their Financial Services registration number is 202323.

You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.

What to do if you have a complaint

If you have a complaint you can contact us on 0800 980 8740. Alternatively you may write to us at M&S Pet Insurance, PO Box 15768, Birmingham, B2 2NZ.

Full details of addresses and contact numbers can be found within the Policy Wording. Please provide your policy number or claim number in any correspondence.

We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to the Financial Ombudsman Service.

Making a complaint will not prejudice your right to take legal proceedings.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Get a quote for M&S Pet Insurance

Important Documents

M&S Pet Insurance Policy Booklet

M&S Pet Insurance privacy notice

M&S Pet Insurance Important information

M&S Pet Insurance Premier product information document

M&S Pet Insurance Standard product information document

M&S Pet Insurance Essential product information document

Save & Invest

Savings

M&S Savings and Investments is a trading name of Marks and Spencer Unit Trust Management Limited. Registered in England No. 2253009. Registered office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Conduct Authority. A wholly owned subsidiary of HSBC Bank plc. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under licence. © Marks and Spencer Unit Trust Management Limited 2013. All rights reserved. Marks and Spencer Unit Trust Management Limited is entered in the Financial Services Register. Registration No.141662.

As with any investment where the underlying investments are shares and bonds, the price of units and the income from them can go down as well as up, and you may get back less than the amount originally invested. Investment in the Fund should be considered a medium to long term investment (5 years or more).

Past performance is no guarantee of future performance.

The performance of the Fund will depend on the investments selected by the fund advisers.

If you apply to invest in the Fund following investment advice, you will have the right to cancel your application. If you exercise the right to cancel, the amount returned may be less than the amount you invested if there has been a downward movement in the stock market from the date of investment to the date your instruction to cancel was received.

Inflation will reduce what you could buy in the future.

The regulatory and taxation regime under which the Fund operates may change in the future.

Worldwide Managed Fund

The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.

As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.

Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

A small part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

UK Selection Portfolio

The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.

The Fund will hold investments in smaller companies where the share prices can change significantly, and the shares can be difficult to buy and sell.

As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held in the Fund.

If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

UK100 Companies Fund

The Fund invests in shares. Share prices go up or down, meaning you may get back less than you invested.

Although your investment is spread across the 100 companies that make up the FTSE® 100 Index, some companies and/or sectors can grow so large that they make up a large percentage of the index which increases risk.

The Fund will not track the FTSE® 100 Index exactly. In other words there will be a difference between the performance of the Fund and the FTSE® 100 Index.

High Income Fund

The fund invests in bonds. Bond prices go up or down, meaning you may get back less than you invested.

Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.

Part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

The annual management charge is deducted from capital. This may reduce the potential for growth and there may be times when the charge is greater than the growth of the Fund.

Important documents

Stocks and Shares ISA Terms and Conditions

High Income Fund Prospectus

Key Investor Information Document – High Income Fund

Worldwide Managed Fund Prospectus

Key Investor Information Document – Worldwide Managed Fund

UK 100 Companies Fund Prospectus

Key Investor Information Document – UK 100 Companies Fund

UK Selection Portfolio Prospectus

Key Investor Information Document – UK Selection Portfolio

Stocks and Shares ISA Information

Supplementary Information Document

Acknowledgements

FTSE® is a trademark of the London Stock Exchange plc and The Financial Times Limited and is used by FTSE® International Limited (FTSE®) under licence. The FTSE® indices are calculated by FTSE® and all rights in and to these indices vest in FTSE® and its licensors. FTSE® does not sponsor, endorse or promote our products.

Calls are recorded.