M&S Car Insurance only provides fully comprehensive car insurance and is aimed at customers who are prepared to pay that bit extra for a quality product from a reputable company, very much in keeping with the M&S brand.
There are two levels of comprehensive cover on offer – Standard and Premium – and while both provide everything you’d expect from a comprehensive policy, such as cover against loss, theft or damage to your vehicle, a courtesy car, and a guarantee on approved repairs, the Premium option includes added benefits such as legal protection and breakdown cover. You can also pay extra to add these benefits to a standard policy.
M&S Car Insurance is run by Junction, which is also responsible for the insurance arms of brands including RAC, Post Office, HSBC, Lloyds Bank, Halifax and Santander. Junction is part of BISL Limited, which owns a number of other insurance brands, including Bennetts, Budget, and Dial Direct.
What types of cover does M&S offer?
M&S provides comprehensive single car insurance policies, with additional breakdown cover available.
Information about M&S
M&S offers two level of comprehensive cover:
Standard cover includes:
- Uninsured driver protection to cover you if you’re hit by a driver who has no insurance.
- A three-year guarantee on all repairs carried out by approved repairers.
- A replacement child seat after an accident, up to the value of £150.
- £200 personal belongings cover.
Premium cover includes all of the above, as well as the following additional benefits:
- European and UK breakdown cover for both your vehicle and any vehicle you’re a passenger in.
- Guaranteed use of a replacement car for up to 28 days after an accident, fire or theft (subject to eligibility).
- Up to £100,000 motor legal protection to cover to help claim for uninsured losses.
- £50 M&S vouchers to spend in-store.
M&S Bank customers can also save up to 15% when taking out a new policy or renewing an existing one.
M&S Car Insurance is provided by Junction, which is part of the BISL Limited and is authorised and regulated by the Financial Conduct Authority.
Why it pays to shop around
If you ‘auto-renew’ your car insurance with your existing insurer, you could be missing out on substantial savings, as these renewal premiums are often set at a higher price than the year before. Most insurers reserve their best prices for new customers, rather than for loyal customers who renew each year.
Visit our car insurance channel today and run a price comparison to see if your car insurance premium could be reduced