Why Consider Marks and Spencer Home Insurance:
Extra discounts
If you’re a new customer, you’ll save 20% when you buy M&S Home Insurance online (excludes renewals, subject to minimum premiums). Plus you’ll get a no claims discount (which you can protect) if you’ve had home insurance for at least a year, as long as you haven’t made a claim in the previous policy year.
Green benefits at no extra cost
With M&S Home Insurance it's not just your home environment that's protected. When you make an approved claim for a washing machine, tumble drier, fridge freezer or dishwasher, they’ll replace it with a new 'A' rated energy efficient model (where possible). And if your home needs extensive repairs (or rebuilding) they’ll make sure the work is carried out to level 4 of the Code for Sustainable Homes. (The code uses a 1–6 rating, 6 being the highest.)
Premier or standard?
Premier cover gives you more protection for your home and contents, including full accidental damage. Standard cover is cheaper with lower policy limits and accidental damage cover to only basic items such as window glass, TVs, video, audio and computer equipment, but you can choose to include full accidental damage cover.
Change your excess
Normal excess is £100 for buildings (the excess for subsidence, heave or landslip is £1,000) and £100 for contents. You can reduce your premium by increasing your excess. Or you can reduce (or remove) your excess – if you do this, your premium will be higher.
Alternative accommodation
As part of your cover, you’ll be given somewhere to stay if you have to evacuate your home because your health or safety is at risk – or if your home is uninhabitable after serious damage caused by a fire or flooding.
Pay by monthly installments – at no extra cost
You can spread the cost of your home insurance over 11 months. You'll pay by direct debit – and they won't charge you more to do this.
Flexible claims service
If you need claims advice, you can call their claims advice line anytime, day or night. If you have to make a claim, you can choose to take a cash settlement instead of replacing an item or having the item repaired. (The amount you receive will reflect any discounts they may have been given for a replacement or repair.)
Extra protection
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.
M&S points
If you've got an M&S Card you'll receive 1,000 M&S points* when you take out a new M&S Home Insurance policy (excludes renewals).
**M&S Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. Loyalty points are only available when the main cardholder is the policyholder.
M&S Bank have carefully selected AXA Insurance UK plc to underwrite this quality home insurance. Terms, conditions, exclusions and limitations apply.
Awards & Ratings for this Company:
- Recommended Provider of home insurance by Which? 2012
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Overall Rating:
3.75 out of 5
from 2 reviews and 6 ratings
Average Review Ratings:
Customer Service Rating: 
Value for Money Rating: 
Overall Customer Rating:
Recommendations: 50%
Categories:
Home Insurance
Home Contents Insurance
Further Details:
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Please note that excesses, terms and conditions may apply. This is only a brief summary of Marks and Spencer Home Insurance and you should refer to the company's website for current terms and conditions by clicking the blue quote or preview links above. Policy features, offers and discounts are subject to change.
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