How good is M&S Bank car insurance?
Defaqto rating (car insurance)
⭐⭐⭐⭐⭐^
Defaqto is an leading independent reviewer of financial products.
Trustpilot rating
1.8 out of 5^
Trustpilot is a leading customer review site.
Key inclusions:
✔ Child car seat cover
✔ Personal accident cover
✔ Motor legal protection*
✔ Breakdown cover*
Key benefits:
✔ Personal claims manager
✔ Protection if you're hit by an uninsured driver
✔ Personal accident cover up to £10,000
✔ 3 years guarantee on repairs
✔ Guaranteed replacement car*
How much do M&S Bank car insurance policies cost?
These are the average prices of M&S Bank car insurance policies across all drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors.
Fully Comprehensive
£361^
Third Party, Fire and Theft
£234^
Example car insurance quote from M&S Bank
M&S Bank
-
Annual price
£1,073.48
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Cover
Fully comprehensive
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Excess
Voluntary: £250 Compulsory: £200 Total: £450
Great for
-
Courtesy car: comes as standard
-
Personal injury: comes as standard
-
Windscreen cover: comes as standard
But be aware that
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Breakdown cover: available from £21.00
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Legal cover: available from £27.79
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
What types of car insurance can I get with M&S Bank?
M&S Bank offers all three types of car insurance.
What extras can I add to my M&S Bank car insurance policy?
There may be limitations, conditions and restrictions to the below. Your policy documents will have full information.
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Motor legal protection
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Courtesy car
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Motor legal protection
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Breakdown cover
How do I cancel my M&S Bank car insurance?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You should telephone M&S Bank to cancel your car insurance.
The number is 0344 871 2349
I'm coming up for renewal
You can tell M&S Bank at any point up until your renewal date that you do not wish to renew your policy. There is no charge for not renewing.
I've just taken out a policy
If you cancel your M&S Bank car insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
You will not be charged an admin fee.
If you wish to cancel your policy at any time later than 14 days after it has started, you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
M&S Bank will charge you a £50 admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your M&S Bank car insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
You will not be charged an admin fee.
If you wish to cancel your policy at any time later than 14 days after it auto-renewed, you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
M&S Bank will charge you a £50 admin fee, which will be taken out of your refund.
How do I contact M&S Bank?
Claims lines are open 24/7
Other lines: 8am to 8pm Monday to Friday, 8am to 6pm on Saturdays.
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By Phone
The customer query number is: 0344 871 2349
The claims line is: 0344 412 2160
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Online Portal
Existing customers can use the My Account portal to:
view and download policy documents
make policy changes such as adding a driver or changing their address
Frequently Asked Questions
Who underwrites M&S Bank insurance?
M&S Bank car insurance is underwritten by BISL Limited.
Can I add other drivers to my M&S Bank car insurance policy?
Yes, you can add a named driver to your M&S car insurance policy. You can do this through the online portal.
Can I pay M&S Bank in monthly instalments?
Yes, you can pay for your M&S Bank car insurance in monthly installments. But this is normally a more expensive option than paying annually.
Why should I compare car insurance with MoneySuperMarket?
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We can do this work for you.
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Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Reviewed on 10 Dec 2025
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Trustpilot is a leading customer review site. Neither M&S nor MoneySuperMarket has any influence over the rating given.
Average score from customers reviewing Marks & Spencer on Trustpilot. Data sourced March 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025.
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual car insurance products from M&S Bank will have different ratings.
Data from the Defaqto website. Data from March 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in October 2025.