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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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2.39

Based on 47 reviews, last reviewed 22nd Jul 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 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

Before committing to a new home insurance policy, do your research to ensure that the provider is suitable for your needs. We collect Marks & Spencer home insurance reviews to help you make an informed decision when choosing your new provider.

Marks & Spencer is underwritten by Aviva to provide home insurance, with both buildings and contents cover available. Choose between Standard or Premier levels of cover depending on how robust you want your policy to be. M&S policyholders can pay for their premium monthly without any additional fees.

Does Marks & Spencer sound like the right provider for you? Gain valuable insight into life as a policyholder by reading our M&S home insurance reviews. Find out how satisfied customers have been with their policies and whether they would renew with the provider. Learn more about the two levels of cover to help you decide which option is best for you. Read about genuine experiences with the M&S customer service team. Be confident in your decision by checking out our Marks & Spencer home insurance reviews.

Have you had an M&S home insurance policy? Write an honest review on Smart Money People. Tell us what policy you chose and what level of cover you opted for. Were you satisfied with the cost of your premium for the level of cover that you received? Have you made a claim on your policy, and if so, how well was it dealt with? Would you recommend Marks & Spencer home insurance to family or friends? Whether good or bad, share your experience by writing an M&S home insurance review. Together, we can help people like you make better financial decisions.

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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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