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

Name: Home Insurance
Rating: 2.8 (45 reviews)

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2.32

Based on 45 reviews, last reviewed 25th Apr 2025

No new 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

33%

13%

50%

Latest highest rating:

5

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 perfo... Read more Reviewed on: 1st October 2024

Latest lowest rating:

1

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 i... Read more Reviewed on: 25th April 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.

M&S Bank - Marks and Spencer Home Insurance reviews (45)

Review of the M&S Bank - Marks and Spencer, Home Insurance:

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

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

ANGELA

ANGELA very very helpful, understanding & polite. knowledge is second to none. Answered all my questions, took me through the whole process. We should have more operators like her answering phones.She should be a supervisor, teaching others how its done. Very well done you and thank you. Reviewed on: 27th February 2022

Run by computers, not actual people

Every year they do an auto home insurance renewal, it always goes up and there is no justification or explanation. No willingness to discuss and a general computer says no response. I couldn't recommend them any less, awful company and awful service Reviewed on: 21st February 2022

An expensive insurance you can't rely on

If a theft of a locked bike, behind a locked door isn't covered than what is? We paid almost 50 quid per month and I trusted the Marks and Spencer brand but when my locked bike that was stored in the stairways of my house, behind the locked front door was stolen - I got no money back for it. M&S seemed to really put an effort into finding lupe holes in their policy to rip you off. I signed up with a John Lewis - pay 20 quid per month and they confirmed they would've paid me for this specific case. Don't waste your money here. Reviewed on: 18th October 2021

Possibly the worse home insurance you could go for

Had to make a claim on a iPhone XR Was Told to send it n to a sister company,! Did research and decided to have my screen repaired in apple store . They mar led this a a lost to me and cancelled my insurance. With out a letter or any notice! I only noticed due to payment going in to my account .? Terrible customer service. I did decide to go to Marks & Spencer’s because I always thought they had a bit of class but after having home insurance with them I realise that we are talking out there arse Reviewed on: 26th June 2021

So good that I would probably pay a little bit more

So impressed with M&S insurance. They have a great range of services to suit special requirements. Easy access to their customer service as I don't think I have ever had to wait. Friendly, knowledgeable and helpful staff every time I have needed to call! I never thought I would be reviewing an insurance company! Reviewed on: 9th December 2020

A really well deserved 5 star rating! :)

I have contents insurance with M&S and I have to say I am so happy with their most definitely 5 star service and think they really do deserve an 5 star review. A crane collapsed beside my apartment on July 8th and M&S called ME to ask me if I was OK and if there was anything they could do. My property management agency didn't even do that. My policy only allows up to 3 months unoccupied, and we are not allowed back to the property for at least 6 months. Instead of a point blank "it's not covered", or charging a lot to keep exclusions (such as theft/water damage) to the property as it's unoccupied for so long, M&S Customer Service told me they would extend the cover. I am so happy with them. A couple of residents in the same building that I'm friendly with were not even able to pay to keep their contents insurance. I will never get content insurance with anyone else! Reviewed on: 7th August 2020

Marks and Spencer home insurance under written by Aviva

Don’t use them it’s not Marks and Spencer it’s Aviva My insurance quote for water damage was £850 with £250 access They refused to pay out without seeing the damage l was told they would be able to pay £300 ish as that is how much they can get the job completed for Its was water damage to kitchen ceiling and walls effecting lighting the stain was so bad it would need 3 coats on ceiling and the lights needed looking at That was in January l still haven’t had it done I don’t want to use there cheap painters l don’t want strangers coming into the house I asked if the work men would be local I was told they could come from anywhere The quote was fair and this company said if l except £300 on the day that’s all they would pay Marks and Spencer has nothing to do with it Lost it after 4 months just cancelled the direct debit When l think of all the money they have had Then won’t pay out on one small claim Sylvie Reviewed on: 15th May 2020

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