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M&S Bank - Marks and Spencer: Car insurance reviews

Name: Car insurance
Rating: 1.77 (104 reviews)

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1.50

Based on 104 reviews, last reviewed 9th Dec 2025

No new 5 star reviews

in the past 90 days

67% increase in 1 star reviews

in the past 90 days

13%

75%

Latest highest rating:

4

Great service thanks Helping me out of when I need to get insurance Reviewed on: 13th October 2023

Latest lowest rating:

1

Very poor service No fault accident in June 2025.Still not sorted out and I am still paying an excessive amount for my car and wife’s car insurance.Case unresolved cann... Read more Reviewed on: 9th December 2025

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About this product

M&S Bank car insurance is arranged and administered by BSL limited using a panel of insurers.

If you need to make a claim, you get a personal claims manager to keep you updated with progress. You can choose between premier or standard cover. Premier provides additional benefits including a guaranteed replacement car.

M&S Bank car insurance reviews help you find out what it’s really like to be a customer. If you’ve used M&S Bank before, you can also leave a review and share your experience.

M&S Bank - Marks and Spencer Car insurance reviews (104)

Review of the M&S Bank - Marks and Spencer, Car insurance:

Travel Money

I tried to place an order for click and collect travel money last week, at the end of the process I got an error message saying the transaction has not gone through please try again. I tried for a second time and got the same message. I went into M&S Bureau de change in Milton Keynes and was promptly told it's nothing to do with them I need to contact click and collect. I called click and collect whom told me they have no record of any orders and nothing has transacted there end. OK, no problem, a little disgruntled I thought I'd go elsewhere for my travel money. I went to purchase the money elsewhere and was told my card has been declined, odd i think as the money is 100% in my account. I then call my bank whom were extremely helpful, to my utter shock M&S had taken two payments from my account equating to total of £3400! It transpires that whilst an order was never generated by M&S they had still transacted the payments from my account. This money is sitting in an M&S holding account and has been since last Thursday. My bank are unable to raise a dispute due to the monies being in the M&S holding account, a dispute can only be raised once the merchant has completed the transaction (even though the money has been debited from account). I spent 2 hours on the phone to M&S travel Money whom said because there has been no order placed they cannot do anything and I need to wait 3-5 working days for M&S to release my money back to me once the they realise there is no order that matches those transactions. I provided M&S with the date, exact time of said transactions, exact amounts and the authorisation numbers, yet still they are unable to give me my money back! So, to make it clear, they have taken money from me without an order being placed. I'm now incurring charges through my bank because I have had to borrow money to enable me to get my travel money, I have had to take time off work to sort all this out and I'm experience significant financial hardship! Who wouldn't after having that money taken. The money as of today still remains in the M&S holding account and M&S not accepting any responsibility of providing anyway of getting it back. Nice little earner for M&S, keeping peoples money in there holding account earning interest on money that isn't theirs. Reviewed on: 25th June 2019

Very poor service

No fault accident in June 2025.Still not sorted out and I am still paying an excessive amount for my car and wife’s car insurance.Case unresolved cannot get a straight forward response to my questions. Still about £300 out of pocket. Very little feedback from M&S about what the case only stalling when I finally get through to speak to someone.They are not operating as a broker should by looking after customers. Reviewed on: 9th December 2025

Horrible customer service told me I have to outrageo...

Horrible customer service told me I have to outrageous charge to a smaller vehicle stay away from this insurance Reviewed on: 1st December 2025

Won't let me change my vehicle

I have car insurance Call up as I'm changing my vehicle. They told me they can't offer me anything if I change my car other than a new policy. Absolutely a joke. Reviewed on: 29th October 2025

Avoid them at all costs.

Avoid them at all costs. In my 30 years of driving, I've never dealt with a company like that. Reviewed on: 17th October 2025

Customer service

I wanted to change vehicle customer service are very rude stay well away from these dogey insurance company Reviewed on: 4th October 2025

I called to change the address, the person who answe...

I called to change the address, the person who answered my call took my new address and she didn’t update the system with my new address, an act of incompetence, and disinterest towards her job .and a mess up with letters which were sent to the old address rather than the new address that I have provided to them. I will never use them again Reviewed on: 4th September 2025

Updated my car insurance today having changed my giv...

Updated my car insurance today having changed my given a quote along with a £25 admin fee. Policy came through with my old car details on. When contacting them I was quoted double! Reviewed on: 11th August 2025

stay clear poor service

changed car registration on line was charged 25 pounds for doing it , took 3 mins ms car insurance , absolute robbery , will not be renewing even if they are cheaper than any one else Reviewed on: 4th August 2025

Additional fees all the time

Couldn't process online so had to call and they wouldn't honour online quote so ended up being £70 additional cost. Then changed my name after getting married and was charged an additional premium. Won't be using again. Reviewed on: 23rd September 2024

Zero customer service or empathy not the M & S of ye...

Zero customer service or empathy not the M & S of yesteryear Reviewed on: 5th September 2024

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