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M&S Car Insurance Review

Review M&S Car Insurance

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M&S Car Insurance Review


Review Marks and Spencer’s Car Insurance

Marks and Spencers, often just called M&S, is a large UK retailer that is renowned for their high quality food, clothing and homeware products. Considered to be the supermarket of choice for those with disposable income, M&S has been a much respected and loved brand throughout the UK. What some people may be unaware of however is that M&S also offers financial products such as car insurance. It is becoming more common in the UK market for retailers to offer car insurance coverage options along with traditional car insurance companies. So does M&S’s high quality reputation carry over to their car insurance?

What do people say about M&S car insurance?

M&S car insurance has received mixed reviews from consumers on many review sites. On Smart Money People, the average rating is over two stars and on Review Centre this number is similar. Here are some of the comments, both positive and negative left by real reviewers.


Cannot go wrong

“”So useful, so helpful and not too harsh on the pocket …100% recommend.

Smart Money People Review: 11th April 2023

What a farce

Tried to claim….never ever claimed on any insurance in my life before. Someone reversed into me while I was parked. They admitted liability. Then it began….M&S Insurance…..what a shower. Long story short …no one cares…no one rings you or texts you. Everyone working from home…babies crying. Their nominated garage would not answer phone….no alternate. On it went….then they said they closed the claim…why…who knows. I had the repair done and paid myself. I couldn’t wait any longer and it was so stressful. Be warned M &S are a broker for this… just front this….the real company are people you’ve never heard of…it’s a rubbish outfit of unhelpful,lazy home workers whose target is to wear you down with inactivity and not contacting you so you give up.AVOID.. 

Smart Money People Review: 27th July 2023


What does M&S car insurance offer?

M&S offer the three levels of coverage you’d expect from large insurance providers. These include Comprehensive, Third Party Fire & Theft, Third Party Only. Here is a breakdown of what is additional coverage coverage is included by each level.

ComprehensiveThird Party Fire & TheftThird Party Only
EU CoverEU CoverX
Courtesy CarXX
Personal accident cover – Up to £10,000XX
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M&S also has a premier option which includes some added benefits such as legal protection and breakdown cover. You can also choose to pay extra if you want to add these benefits to your standard policy. European and UK breakdown coverage for your vehicle and any vehicle that you are a passenger in. You will also get guaranteed use of a replacement car for up to 28 days after an accident or fire and theft. This will be subject to liability however. You can also get up to £100,000 motor legal protection to help claim for uninsured losses.

Standard coverage offers Uninsured driver protection along with a 3 year guarantee on all repairs carried out by approved repairers only. You can also claim on a replacement child seat after an accident up to the value of £150 pounds. You can also get £200 on personal belongings cover.

Who Underwrites M&S car insurance?

Marks and Spencer’s car insurance is underwritten by BISL Limited, a FCA regulated body.

Comparing multiple car insurance quotes

If you are thinking of taking out a car insurance policy with M&S then it helps to have other options to compare them against. This is because many insurers save their best deals for new customers instead of existing ones. So making sure you are comparing multiple insurers before taking out a policy is a great way of getting the cheapest car insurance for you – That’s where we can help.

Quotezone has compiled a panel of over 110 insurance providers, making it easier than ever for you to compare multiple quotes from across the UK market. Simply enter your vehicles details in a quick form and start comparing what insurers will offer for you fast. We’ve taken the stress out of finding cheaper car insurance.

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.