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

Name: Home insurance
Rating: 2.81 (47 reviews)

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2.30

Based on 47 reviews, last reviewed 22nd Jul 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

34%

13%

49%

Latest highest rating:

5

Low premiums for 5 years I have had home contents insurance with M&S Bank for 5 years and the premiums have stayed very low. That's all I can say, as I have not had to contact... Read more Reviewed on: 18th June 2025

Latest lowest rating:

1

good-bye M&S Home & Contents insurance. Rip-off Have had M&S home and contents insurance for many years. Last year they raised the price by nearly 30% and I just left it as the market index had incr... Read more Reviewed on: 22nd July 2025

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About this product

M&S home insurance is underwritten by Aviva Insurance Limited.

M&S home insurance offers cover for building and contents together or you can buy them separately. If you make a claim under both buildings and contents, you’ll only pay one excess. There are no charges to spread the cost of your policy by Direct Debit.

M&S home 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 Home insurance reviews (47)

good-bye M&S Home & Contents insurance. Rip-off

Have had M&S home and contents insurance for many years. Last year they raised the price by nearly 30% and I just left it as the market index had increased. This time the index had no change but M&S want to raise it 25% again. They do not care at all and wont listen. I have had enough of this rip-off now as they clearly penalise you for not shopping around. Reviewed on: 22nd July 2025

Low premiums for 5 years

I have had home contents insurance with M&S Bank for 5 years and the premiums have stayed very low. That's all I can say, as I have not had to contact them for any reason, let alone make a claim. Reviewed on: 18th June 2025

M&S rejected two claims

M&S rejected two claims - one for flooring damage and one for structural damage. The flooring damage was because the flooring was because it was put in by previous owners and 'too old' and the structural damage was because a lintel damage is 'wear and tear'. I thought having an expensive all signing all dancing policy protected us from bad insurers but apparantely not. Awful. Reviewed on: 25th April 2025

I just received my renewal quote over 40% more

I just received my renewal quote after I had not made any claims for many years and it is over 40% more than last year. I will certainly not stay with such a terrible company Reviewed on: 15th January 2025

My renewal price was 50% higher than last year despi...

My renewal price was 50% higher than last year despite making no claims or additions to the policy. One expects that the premiums will increase each year but i'm afraid a 50% increase is excessive. Reviewed on: 7th January 2025

Cancelled my policy without any prior notification a...

Cancelled my policy without any prior notification and demanded a settling payment for the privilege. Reviewed on: 20th December 2024

Got contents only home insurance.

Got contents only home insurance. Very comprehensive policy, easy to understand. Never needed to make a claim (thank goodness!) so no idea about performance with claims. Only negative was their renewal price was much higher with no option to negotiate so went elsewhere to renew Reviewed on: 1st October 2024

Marks and Spencer’s home insurance was raised by nea...

Marks and Spencer’s home insurance was raised by nearly £300.00 per annum totally wrong with no reason why and spoke to a representative on phone who really didn’t care ! So obviously took my insurance elsewhere please check and be careful what you sign up for not a good brand for us disgusted by their not caring attitude would not recommend really bad has put me off any services they offer Reviewed on: 24th September 2024

Put my policy up by 45% at renewal

Put my policy up by 45% at renewal Reviewed on: 4th September 2024

Great value

I have had home & contents insurance with M&S Bank for several years. The premium is low and has gone down every year, although there is a lot included. I haven't had to make a claim, though, so I don't know how good they are on that. Reviewed on: 23rd August 2024

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