Marks & Spencers Home insurance UK

This is a specialist page for Marks & Spencers home insurance. Disclaimer The following details are not an endorsment of Marks & Spencers home insurance; we encourage you to shop around before you choose your home insurance provider.

Marks & Spencers Home Insurance

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Marks & Spencer have a choice of 2 policies, Premier and Standard, to give you the cover you need at a price you want to pay.

• Unlimited cover (apart from money and liability limits)
  
• A flexible claims service – new for old cover on all replaced contents
  
• No policy excess to pay except £1,000 for subsidence, heave and landslip claims
  
• Payable by monthly instalments at no extra cost
  
• Extra discounts and optional protection available
  
• M&S Cardholders receive 1,000 M&S points

Apply online and you can save 20% on Premier premiums, on new policies.
With Marks & Spencer you get unlimited cover for buildings and contents (money limit up to £500) and generous liability limits which mean you are never knowingly under insured.
You don't have the hassle of estimating rebuilding costs, or what it would cost you to replace your belongings. All they ask is that you let them know about any item, set or collection that is worth £4,000 or more. It's as easy as that.
If you do need to make a claim, their fast efficient telephone claims service will take care of everything on your behalf.
Your contents are covered on a new for old basis, and there's no excess to pay unless you choose to, apart from £1,000 for subsidence.

Premier Home & Contents policy

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Marks and Spencers Premier Home & Contents policy offers a wide level of protection against theft or damage including: Accidents e.g. paint spilled on carpet; Dependent relatives possessions in a nursing home; Students possessions while they are at university or college; Any item being taken to your home that’s been purchased at a Marks & Spencer store.

Marks and spencers will cover from garden gate to outhouse roof - loss or damage to your buildings including garages, sheds and swimming pools. We even cover blocked drains and storm and flood damage to fences and gates. Alternative accommodation is paid for as necessary, together with property owner’s liability cover up to £2 million for a single incident.
Marks and Spencers Premier Cover protects against theft, loss, and accidental damage to the contents of your home – even including the possessions of visitors. You can make one claim every four years without affecting your no claims discount.

Additional Cover - Premier

With Marks and Spencers premier cover you can also take out Additional Cover to insure against legal costs, and damage to your possessions when they are away from home.
If you feel Premier Cover is too comprehensive for you, check out their Standard Cover.

Standard Cover

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Marks and Spencers standard cover gives similar protection to their Premier policy, the main difference being a reduced level of accidental damage protection.

Marks and Spencers home insurance cover for loss or damage to the basic buildings forming your home, including fixtures and fittings is provided, with limited accidental damage cover to ceramic hobs, glass and sanitary ware. they also pay for alternative accommodation where necessary.
Standard Cover safeguards against theft, loss or damage to the contents of your home, including accidental damage to TV, video, audio and computer equipment. You can make one contents claim every four years and keep your no claims discount.

Additional Cover - Standard

Additional Cover is also available, insuring against legal costs and damage to your possessions when they are away from home.
For complete protection, check out Premier Cover which provides full accidental damage cover.

Details correct at time of publication. . Terms and conditions can change, this web site is not responsible for the publication of current policy details. Please check details before applying.... Disclaimer