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

Name: Car Insurance
Rating: 1.83 (96 reviews)

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1.57

Based on 96 reviews, last reviewed 23rd Sep 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

14%

74%

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:

2

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... Read more Reviewed on: 23rd September 2024

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About this product

With so many insurers on the market to choose from, it can be difficult to choose the best provider and policy for your needs. We collect M&S car insurance reviews to help you make an informed decision when taking out your next policy.

Marks and Spencer is a popular household name, with M&S Bank offering a range of services, including credit cards, savings products, loans and insurance. M&S Bank provides car insurance policies, including policies for electric vehicles, and offers two levels of cover, standard and premium.

Our Smart Money People community have written reviews to give you insight into what you can expect as an M&S Bank policyholder. Find out what policyholders have to say about M&S Bank’s customer service, and how well any claims have been handled. Perhaps you’re interested in any additional add-ons M&S Bank offers to help make your policy more secure? See what others have to say about these by reading our Marks and Spencer car insurance reviews.

Have you had a car insurance policy with M&S Bank? Share your honest experience with others by leaving an M&S Bank car insurance review today. Tell us how you found the sign-up process, and whether your premium was at a reasonable price for the cover you received. Did you select a standard or premium policy, and were you satisfied with your choice? Would you recommend M&S Bank to a family member or friend? Leave a review today. Together, we can help people like you make better decisions.

M&S Bank - Marks and Spencer Car Insurance reviews (96)

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

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

Complete failure to keep promises

Was told I would have to wait 3 weeks for a replacement windscreen. When I spoke to customer services they constantly interrupted me and said there was nothing they could or would do dispite promises made both in the policy and previously on the phone. Useless, avoid Reviewed on: 25th August 2022

Unable to add 2nd vehicle online

I purchased a 2nd car and needed to add it to my insurance. (No issues with the policy before, but then I have never claimed on it!) I attempted to get a quote for the 2nd car online - this was late on a Saturday night after purchasing the car - surely, it should be a simple task to add the reg and details to update the policy, right? Nope. Couldn't find it on the site, so went to their chat: "Agent: If you need to add any additional cover to your policy such as a second vehicle, please contact one of our Customer Service Representatives. ... If you require assistance, you can contact one of our Customer Service Representatives by calling 0344 412 2157." Called the number. Obviously the office is now closed - so I am unable to insure my new vehicle until at least 10am tomorrow. WHY can't this simple addition be automated? WHY do I need to speak to someone? Really poor. Granted the premium is cheap but now I see why. Reviewed on: 26th February 2022

Utter crap AVOID AVOID AVOID

Taken money for a cancled policy . Lost the compansation ,by pay in to wrong account . Told it my falt i have to track it down . AVOID AVOID AVOID Reviewed on: 16th February 2022

Car insurance

They took my money before my renewal date I cancelled it now they have kept me hanging on for weeks to get MY MONEY back terrible company and even worse customer services. DONT GET INVOLVED WITH M&S CAR INSURANCE.. BOW ZERO TATINGS Reviewed on: 7th February 2022

Incompetent

My car hit whilst parked legally 5 months ago, which they declared a write-off without looking at the damage. They are deducting the excess because they don't know who's at fault?! The claim has still not been paid and keeps getting passed to different organizations that don't honor the value already agreed to, current down about £700 from what was originally agreed. Nothing happens without chasing everyone involved constantly. Reviewed on: 4th February 2022

Charges for everything

Charged for change of address, change of reg number and then, when I sold my car, wanted to charge for change of vehicle. I was told that the current underwriter didn’t quote for my new model! So, of course, there was an admin fee to change the vehicle. As a result I insured my new car with the insurer who had provided the drive away cover (who also quoted a cheaper price) . I cancelled the M&S policy and, guess what, was charged TWICE for the cancellation- once the M&S ‘admin’ fee and once the underwriters ‘admin’ fee. In all I paid £100 in admin fees on top of my policy. Reviewed on: 29th January 2022

Fees for everything!!!!

For every change (including change of address) you want to make to your policy, they charge £25!! And they don't make this aware to people when they sign up. With other insurance providers those would have been free. Reviewed on: 16th December 2021

SHAMBLES

Second year of insurance with M and S However on Monday 22/11 had a back end crash .Everything was going great when I reported it until it went through to the next stage showing as I was at Fault ,which of course I wasn’t. This of course caused a delay until that was sorted Now Thursday 3 1/2 days later repair shop rings to arrange for my car to go in .But in the original conversation the insurance guy told me ,cos bumper hanging off my car is classed as UNDRIVABLE But the repair document is not showing this so they want me to take it in when it is supposed to be picked up dud to it being undrivable. You can’t make this up a total shambles after the trauma of n accident Think the service has been slapdash ,maybe that’s too good a word for it Will defo think twice about renewing Think this is the WORST service had from any previous insurance companies Reviewed on: 25th November 2021

Shocking

Took 3 days to recover my car, incurred a parking fine as result of this. I had to instigate communication as recieved very little from M&S, their underwriter and accident repair. Waited 2 weeks to be advised that my car is a write off. Have made numerous complaints and feel as if I have wasted my time. Not even a manager was free to speak with me. No communication at all, so I wouldn't bother to attempt to choose M&S as your preferred insurer as they do not seem to take any responsibility. Reviewed on: 16th August 2021

Too expensive

I am 65 years old with a good clean driving history. I changed my car last year and was concerned about the premium. I decided to stay with M&S for the year. To my astonishment my renewal shows an increase of £38 approx. Why I ask. I contacted the call centre and was told there was no movement on the price. Normally there is flexibility on the commission. This seems to be a case of profiteering by the administrators. I went online and got a policy £160 cheaper for the same cover-unbelievable. I will be very careful when using M&S in the future if at all. Reviewed on: 11th August 2021

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