M&S Home Insurance

M&S; Bank Home Insurance Deal
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**M&S Bank have carefully selected AXA Insurance UK plc to underwrite this quality home insurance. Terms, conditions, exclusions and limitations apply.
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

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Home Insurance is a non-compulsory form of property insurance which is designed to protect against damage to your property or to the belongings within your home.

Various policies exist which range from a basic cover of the structure of the property to also covering your content and liability coverage against accidents. Contents insurance will protect your possessions against theft or damage. Most families underestimate the sum total of their belongings with an average household containing possessions totaling approximately £25,000 or more. There are many providers of home insurance so make sure you look around for the one most suited to your needs.

M&S Home Insurance Review

  • Save 20% when you buy online – which includes renewals and optional extras
  • Defaqto 2016 5 star award 

There are two cover options, standard or premier. All of the below are included in the standard and premier policies: 

  •  Cover for your home and garden 
  •  New for old cover on all replaced contents
  •  Pedal Cycle Cover at home
  •  Theft of damage of plants and cover for garden furniture and equipment as part of the contents insurance 
  •  Replacement locks and keys
  •  Alternative accommodation - as part of your cover, you’ll be given somewhere to stay if your home is uninhabitable after serious damage
  •  Pay using monthly instalments at no extra cost 
  •  Ability to change your excess 
  •  Flexible claims, including cash or cash equivalent 

You can also add legal expenses cover to either of the below policies:

Standard Home Insurance

Includes all of the above and:

  •  Buildings Cover – Up to £1,000,000 
  •  Contents Cover – Up to £100,000
  •  Optional – Accidental damage. 

Premier Home Insurance

Includes all of the above and: 

  •  Buildings Cover – Unlimited 
  •  Contents Cover – Unlimited (inner limits apply) 
  •  Accidental damage – from paint spills on the carpet to knocking a nail through a pipe 
  •  Storm damage to gates and fences 
  •  Accidental damage to freezer contents. For example, in the case of a power cut.
  •  Protection of visitors' belongings 
  •  Students' possessions are protected for when your children are at university or college 
  •  A dependent relative's possessions are protected when they're in a residential care home. 

Why do I need Home Insurance?

No one expects their home or contents to come to any damage and so very few people are financially prepared for an emergency or theft. Repairing your home or rebuying lost contents can be expensive so it can be a relief to know you’re covered given any eventuality. It’s important to work out whether you need both buildings and contents insurance as it is possible to take out a policy focusing on only one of these rather than a joint policy. 

It’s also worth noting that some properties, such as listed buildings or buildings with thatched rooves, may require specialist cover and therefore, would not be covered by a standard policy. Make sure you always read the fine print of policies well as more and more companies are now excluding certain things which you may need.