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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

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

Farcical

Found that an elderly aunt was still having her direct debits taken nearly a year after she wrote to them and cancelled. Refunded only 50% and guy didn’t have a clue ! Result is that we are going to small claims court where if nothing else they can explain why it is nessessary for them to STEAL from an 84 year old woman Reviewed on: 15th September 2018

Overcharging

I have had my car insurance with M&S for nearly 2 years now and, so far, never have had any issues with them - until recently. How come? I did buy a new car a few days ago and decided to insure this car with my existing policy which, I thought, should be easy to do. Indeed, the procedure to do this change online was very easy and was completed in a mere 5 minutes. However, things took a turn for the worst when I received an SMS from my bank, notifying me that a larger amount of money was taken from my account. In fact, M&S charged twice the amount of the additional premium plus their administration fee. Consequently, I contacted their customer service department to find out what went wrong and that is when things really got out of hand. First, they immediately admitted that they have charged twice the amount, but were very quick to accuse me to have used the back button on my internet browser. At this stage, I can assure everyone here that this is one thing that would never happen to me, and it never did. The online transaction went through as usual and the invoice I received confirmed, that I should have been charged the correct amount. Nevertheless, customer services assured me that they would be aware of it now and the overcharged amount would be credited back to my account. REALLY!!! The following day, another SMS came from my bank, this time informing me that they have charged my card three times the additional premium. Understandably, I am quite irritated and upset and have decided now to put forward a written complain to M&S management. One thing is for sure, M&S Insurance will lose out when my next renewal is due. Reviewed on: 9th September 2018

Prices scandalous

We have been with them for car insurance for 13 years without one claim but this year they want to put it up by over £200 and I have phoned around and got prices at 40 per cent less than their quote. So much for customer care Reviewed on: 2nd August 2018

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