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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)

Precise, easy to follow website.

Precise, easy to follow website. Trusted family name and have been with them for years. Reviewed on: 23rd August 2024

M&S home insurance trying to dismiss my claim.

Our shower tray became damaged accidentally. I have paid for enhanced accidental damage cover but M&S home insurance, underwritten by Aviva, are trying to avoid honouring my claim. This I find so unacceptable. So disappointed. I will not be renewing my policy. Reviewed on: 26th April 2024

3 months on from a small fire still awaiting resolution

3 months on from a small fire and still awaiting full resolution from a company called Sedgwick who work with Aviva. Claim handler NEVER returns calls, having to sign up to multiple ‘portals’ left hand has no idea what the right hand is doing. When you call make sure you’ve put aside 45 minutes of your precious time. Latest renewal has jumped massively, I guess those of us living in normal areas are now paying for the clowns who buy property on riverbanks, Reviewed on: 26th March 2024

Renewals now a Rip Off

Been with them at least 10 years since think they were underwritten by HSBC but now sadly they use Aviva. This years Home insurance premium up 31.7%!!! Now switched to Churchill very similar cover and paying substantially less than previous year. We all know loyalty counts for nothing in world of insurance but lady on phone representing M&S did not even try to keep me as a customer and after 10 years would have hoped might even have asked basic qiestion like why i am cancelling. Sadly for me M&S brand been devalued by company they using for insurance. Reviewed on: 19th January 2024

Pet Insurance

Prepare to have your policy costs double at review. You’re not dealing with M&S you’re dealing with Royal and Sun Alliance and all they want is you money. Once they feel like they have you because your dog is that bit older they’ll be openly rude and entitled. Reviewed on: 3rd November 2023

Got a quote from these jokers!

Near fell over seeing what they quoted myself. ~£1,600 for premium insurance! That’s just plain and simple taking the ****! Why don’t you ask for my kids savings as well. Shame on you for trying that with customers! Reviewed on: 24th October 2023

Brilliant at addressing problems

M&S Home Insurance were really efficient when i needed to make unforeseen amendments on a temporary basis. Not the cheapest but great cover and customer service. Reviewed on: 24th August 2023

Best contents insurance for those with valuables

I have a lot of art. Every year, I had to go through the arduous task of listing each piece worth more than £1000. Then I discovered the M&S policy, which covers all valuables with a generous single-item limit of £15,000. This has simplified my renewal process. I also had to make a claim one year, and they could not have been more helpful and paid out promptly. I cannot imagine going anywhere else for my insurance now. Reviewed on: 23rd August 2023

Fine

Fairly old fashioned. It would be nice to have the option to manage my policy online, but they have me the cheapest quote for what I wanted. Reviewed on: 22nd August 2023

Great price and cover for home insurance

I bought my first home in 2021 and shopped around for the best deal on home insurance. As I already have a credit card with M&S, I thought I’d try their home insurance product first. I haven’t looked back. Their price for the year was much cheaper than other providers and it covers everything I want from a home insurance policy. I will continue to have my home insurance with them and will recommend them to family and friends. Reviewed on: 18th August 2023

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