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

View other M&S Bank - Marks and Spencer products
2.36
Based on 52 reviews, last reviewed 3rd Oct 2025
100% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
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35%
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12%
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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
Philip Greenwood's avatar
Philip Greenwood

Latest lowest rating:

1

Delay, undercut, abandon I strongly advise against taking out home insurance with M&S (underwritten by Aviva). I have been paying almost £2,000 per year for their so-called pr... Read more Reviewed on: 3rd October 2025
Harry p's avatar
Harry p
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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.

M&S Bank - Marks and Spencer Home insurance reviews (52)

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

Robbed twice

1
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
Christine's avatar
Christine

Good excess, helped when my phone was stolen

5
I had my phone stolen from my person two years ago when I was mugged. I rang my home insurance providers (Marks and Spencer) who were immediately very helpful and gave me an estimated time that it would take to either; 1. get a new phone or; 2. receive the money equivalent into my account. The staff were friendly and talked me through the procedures I would have to go through with the police/crime reference numbers etc., and overall it was a pleasant and very swift claim. Would most definitely recommend to family and friends. Reviewed on: 28th April 2015
ben77mc's avatar
ben77mc

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