Write a review

Go to business site

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

Name: Car insurance
Rating: 1.77 (104 reviews)

View other M&S Bank - Marks and Spencer products

1.50

Based on 104 reviews, last reviewed 9th Dec 2025

No new 5 star reviews

in the past 90 days

No new 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

Read all reviews See your review

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

They ramp the price up at every chance they get

Title says it all really, after the first year they increase the premium by a significant amount. Same applies if you need to make any changes to your policy because they know that you are locked into a contract. Avoid! Reviewed on: 6th December 2017

Upped Premium, but wouldn't/couldn't explain why.

My M&S Car Insurance renewal quote was significantly higher than my existing policy with them. When I rang M&S to ask for an explanation, they were unable to provide any reason for the increase. There was no embarrassment on their part, I think they wondered why I was querying it. Strange way to do business. Did not re-insure with them. Reviewed on: 28th November 2017

34% price increase on renewal

Rang and asked agent to justify. She could not - “we are not told the reasons for increase in premiums which is annoying” offered only 5% discount. Moved to LV at same price as last year. Reviewed on: 9th November 2017

Clearly showed prices

Clearly showed prices from last year and new price. Knowledgeable and helpful staff Reviewed on: 1st October 2017

Easy to use - bit pricey

Switched to M&S after my previous insurer hiked rates - again. Easy to deal with, even when I changed cars mid-point. But pricey, but I suppose you get what you pay for. Haven't claimed for anything yet, hence 8/10 until we test that part of their service. Reviewed on: 28th September 2017

Bringing in foreign insurance companies

after being with M and S for car insurance for a number of years,have just received a letter advising they have got a German company involved since 27th July.Will No longer give them my custom.Thought I was being insured by an English Company. I am absolutely furious. as I was advised when I went to reinsure. Reviewed on: 2nd August 2017

Best one

Best car insurance i have had done it over the phone help me get the right one Reviewed on: 1st August 2017

Trustworthy and reliable

Being involved in a car accident was managable with M&S. The problem was dealt with and although my car was written off, I was not at fault and came out unharmed and M&S helped get me on my feet! Reviewed on: 21st July 2017

Excellent car insurance

Good price when you factor in all the benefits. Reviewed on: 11th July 2017

I joined for the switching bonus.

I've had a good experience with M&S so far. Switching was painless and I shop at M&S regularly so the bonus was worth it for me. Reviewed on: 4th July 2017

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Car Insurance
from Budget Insurance 4.48 from 11 reviews
Cycle insurance
from Bikmo 4.82 from 532 reviews
Car insurance
from Post Office 1.79 from 69 reviews

Want to see more from M&S Bank - Marks and Spencer?

Fixed Rate Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Everyday Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Investments
from M&S Bank - Marks and Spencer 4.25 from 3 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub