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

Name: Home insurance
Rating: 2.82 (51 reviews)

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2.38

Based on 51 reviews, last reviewed 19th Sep 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

35%

12%

49%

Latest highest rating:

5

a great product, shame they are discontinuing it a great product, shame they are discontinuing it Reviewed on: 5th September 2025

Latest lowest rating:

1

Shame I can't give them zero. Shame I can't give them zero. Totally appalling experience and stress caused . They use Aviva which use Sedgwick and Homeserve. Too many people, no on... Read more Reviewed on: 19th September 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 (51)

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

Robbed twice

I am disabled and need care in the home. Unfortunately, someone has taken advantage of this fact and thieved from my home. These personal items weren't on show, meaning whoever took them had the full intention to do so. However, this is to discuss my jewelry claim, and not the circumstances that lead to this claim - beyond some idea of context. I've lost everything, barring a single ring that was left. I was completely honest in the information I provided, including the value of the jewelry on the date of purchase. I am insured at a rate of 10.000 per item, but as I'm aware, two of my rings have pushed this rate. I understand and accept that this is my fault; I've let my insurance pass this rate without realising the policy had since changed. I was further passed forwards to Hallmark to have my claim dealt with, and though the staff were nice, I could not believe however the absurd way at which they asked me for the size of my diamonds - I was genuinely asked how many pen tips it would take to reach the size of my diamond. I wasn't really sure how to answer and just told them in the proper unit of measurement - millimeters. After going through the ordeal of explaining not just my items but the jewelry left by my late mum, was then left to the evaluation at which I feel I was robbed again. £18,900 after the £100 is taken off the initial £19,000, of which wouldn't replace even two of the rings stolen. I was then a given a choice of two jewelry shops to use none of which are within two hours driving time from my home.I have since refused the settlement and was told it was none negotiable. I contacted M&S who seem happy to take my money each month but do not want to pay fair compensation.In the meantime, I looked over the sites of both jewellery stores and not one could replace my jewellery to the quality of my stolen jewelry.It appears that either M&S doesn't seem to have any control over the decisions being made, or they're simply don't care adding to their customers' problems. Unfortunately when robbed I lost everything including proof but I am insured for £10.000 per item. If this is the way forward why am I paying insurance. Reviewed on: 17th August 2023

Shrinking premiums!

I initially went for M&S home insurance based on good scores by Which? and a low quote, helped by a large cashback offer through Quidco. I haven't had to make a claim with them, so I can't recommend them on that basis, but I have been very pleasantly surprised that they have reduced their already low premium every year, so I have stuck with them. Reviewed on: 2nd August 2023

Worth the money

Worth paying a little more for excellent cover. Reviewed on: 7th July 2023

Why do I bother paying insurance?

Came home today to find a shattered window pane in the full length panel next to the front door. No obvious cause. Rang M & S insurance expecting it to be a straightforward claim, only to be told we're not covered, that if it had been a bird strike there would be no problem claiming. We don't know what caused our window to shatter. We do know that it is dangerous and worrying - it could collapse and fall inwards at any moment, putting our family and our pets at risk. What are we supposed to do? Lock them all away in bedrooms and bathrooms indefinitely? Our house is open plan, we cannot isolate the area, it leads directly onto our only living space. Appalled, upset and disgusted by our treatment. Will be looking elsewhere for our insurance now. Reviewed on: 16th June 2023

Legal Cover Claim

Really poor service. M&S have REALLY let me down. I initiated a legal claim using my legal cover as part of my home insurance last year. The legal claims are handled by Arc Legal. It is now March 2023 and finally, Arc have stated they will not be persuing my claim as M&S have identified small print in their terms and conditions which means they cannot proceed. I have pointed out that the smallprint is irrelevant in my example. The hassle and stress involved is completely unaccaptable and I would not recommend using M&S for your home insurance a when you come to need them, they will let you down and quibble. Really disappointing. Reviewed on: 22nd March 2023

Absolutely terrible

I made a claim for my laptop with M&S home insurance, they outsource this to Aviva who then use Greenwood Technology, in the space of 6-8 months my MacBook Pro has gone back and forth because they couldn’t repair the first 2 times. Awful services I need my MacBook for work. Reviewed on: 25th April 2022

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