I used M&S travel insurance for many years. I paid every premium bang on time and never made a claim. Last year, I was unfortunate enough to need cancer treatment, and M&S have refused to insure me ever since. I expected to be charged a premium, as with any medical condition, but not to be turned down flat. Years of loyal custom count for absolutely nothing in a time of need.

Chose M&S for holiday insurance for a holiday in Mexico. Not the cheapest but we thought we could trust the M&S brand. Very efficient at taking our money but when we wanted to makea small medical claim, it turned out they had made an error and thought we needed holiday cover for the UK. As a result we couldnt claim and, more importantly had not been covered for our holiday. M&S could not have been any less helpfull and still charged us for cover that we couldn't possibly use. Wouldn't recommend using this company at all.