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

Name: Home insurance
Rating: 2.75 (53 reviews)

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2.29

Based on 53 reviews, last reviewed 4th Feb 2026

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

34%

11%

51%

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

M&S home ins backed by Aviva. Disgusting service. M&S home insurance are backed by Aviva. God forbid you ever have to make a claim with these idiots because they will run you ragged with repeated requ... Read more Reviewed on: 4th February 2026

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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 (53)

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

good cover and communication

haven't had to claim but deal with queries easily Reviewed on: 6th July 2019

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