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

Name: Car insurance
Rating: 1.82 (98 reviews)

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1.60

Based on 98 reviews, last reviewed 11th Aug 2025

No new 5 star reviews

in the past 90 days

200% 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

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 contac... Read more Reviewed on: 11th August 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.

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M&S Bank - Marks and Spencer Car insurance reviews (98)

iNFLATED PREMIUMS VERY Expensive

How tiresome of these big high street stores to jump on every bandwagon from utilities to vehicle insurance. M&S just quoted me £300 above what I've been paying other insurance companies for the last 3 years! They need to get a grip and use fair decent insurance subcontractors to give a fair and true value. A great company mismanaged, sliding down the ladder to oblivion. I don't even buy my shirts from them anymore. Used them all my adult life, 69 now and I can not remember the last time I went into one of their stores. Reviewed on: 2nd October 2020

Unhelpful - would give them a ZERO if that was an option.

Insured my car with M&S. Two months later my car died and needed a new engine. As it was under guarantee I asked M&S if they could insure my courtesy car until my car was fixed to which the answer was a big fat NO! My call was escalated to complaints dept where I was informed by FAYE SHERATON that there was nothing they could do to help! Really? I WASN'T ASKING FOR A FREEBIE, JUST TEMPORARY INSURANCE FROM A COMPANY THAT I ALREADY HAD INSURANCE with. Unhelpful, discourteous staff. Once a so called pillar of the community, M&s has forgotten what it stood for, has no integrity or after sales and wants to fleece you. DISGRACEFUL!! I give them a ONE because ZERO was not on the choice option. SHAME ON YOU MARKS AND SPENCER!! Reviewed on: 23rd July 2020

Extremely disappointing experience and won't be returning.

Moved the goal posts and if you're not happy want £50 to cancel Reviewed on: 18th February 2020

Price hike

I was happy with M&S car insurance until I had to change my address with them,i moved 2 streets away and my quote went from £200 to over £800!no explanation as to why just a case of computer says no so I cancelled straight away and got insurance somewhere else.So much for loyalty Reviewed on: 19th November 2019

Brilliant service

The website is easy to use, the product is brilliant, and the customer service is great. Reviewed on: 27th July 2019

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

Awful - avoid

I insured my car with them after selecting from a car comparison website. I was given a quote and took their cover. 2 months into the cover i was sent a letter saying I had failed to disclose a claim from almost 5 years ago and as a result they were increasing my premium by £70. I have not made any claim on my insurance or had any claim against me in the past 35 years. But they say they have found an entry on a claims database that says i made a "no fault claim" in 2014. Its odd how none of my 4 other insurers since then have found or are making such a statement. I'm cancelling and going elsewhere - awful service Reviewed on: 16th June 2019

avoid M&S Motor insurance - customer support is misleading

Be wary about buying an M&S Car insurance , as i received a renewal quote from them for 700+£ & i just requested for an address change , that doubled the insurance to 1500+ £ , whereas i got offers for the same address from other vendors with the original offer price of 700+£, what the hell on this Earth could fire up your insurance quote to double just for an address change ; unless M&S customer support reps are trained to cheat on their existing customers. Very bad experience with M&S customer support . Reviewed on: 5th April 2019

Avoid, avoid, avoid...

My fist ever claim after 14 years of driving, and it had to be with them! Similarly to other reviews the initial contact was good, I was assigned a personal claim assistant and I hopped for the best. Sadly Zenith the underwriter don't care at all ( missed appointments, replacement car not delivered etc) When complained to M&S, they said it nothing to do I should complained to the garage and the insurer. Spent hours on the phone to arrange a repair, shocking lack of customer service. After a month my car in finally in for repairs. Shame on you all, will never buy again! Reviewed on: 4th April 2019

Disastrous claim handling

The first call I made to them to make the claim was great, but it all went downhill from there on. They contract the claim processing out to a company called IMS, who valued my car without even looking at it. It took weeks of negotiating with them to get the actual value of the car according to the valuing companies that they use, they didn't know what it should be because they hadn't even seen a picture of my car. When I complained to M+S, it took them two months to to get back to me, by which time I had already sorted it out myself. I always pay a premium for insurance because I know that some of the cheaper ones can be difficult if you do have to make a claim, but in this instance the extra money was a complete waste and I'm sure I would have received far better service from cheaper providers. Reviewed on: 30th December 2018

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