Marks & Spencer Home Insurance Reviews

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★★☆☆☆
1.8 / 5
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Latest Reviews

★☆☆☆☆

“Marks & Spencer Contents Insurance - Claims Problems”

Written on: 26/02/2014

I recently lost a diamond ring, that was a specified item on my insurance. Their claims management team (LOSS MANAGEMENT GROUP) revalued my ring at current day prices at £9100. Here is the nasty bit, they then gave me a list of jewellery stores where I could spend the money on a replacement ring. Mostly big chain stores that are not competitively priced, have inferior stones and lack the more unusual pieces. I sourced a couple of potential replacements through other more discerning… Read Full Review

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★★☆☆☆

“Beware of the small print”

Written on: 21/01/2014

Having taken out an insurance with Marks and Spencer, I thought I would continue with them having bought a new car, their quote was much higher than other companies, I decided to go with another well known high street name who were helpful and very competitively priced. on cancelling my insurance with Marks and Spencer not only have I lost one year no claims as I have a couple of weeks to go until its renewal, they have also charged me £50.00 cancellation fee, which compared to other companies… Read Full Review

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★☆☆☆☆

“BAD, BAD, BAD!”

Written on: 27/08/2013 by dmacdotcom (1 review written)

I took out car insurance with M&S or MeSS as I like to call them. They did say I had to prove my no claims and as I was going on holiday on the Monday (this was the Friday), I called my previous insurer to ask if they would pass the information to MeSS over the phone and they complied "no problem". I then called MeSS and explained the situation and asked if they could call my previous insurer for the information. My reply was "No, thats not our policy". They said they would send out 2… Read Full Review

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★☆☆☆☆

“Losing no-claims bonus - charging for loss adjuster”

Written on: 26/06/2013

We attempted to make a claim for a water pipe leakage that crossed our back garden (but which did not supply our house). A loss adjuster was sent to assess the damage and we were told that it was not the insurance company responsibility as the pipe did not supply our property and we should attempt to get the damage repaired by our neighbors. Fair enough I suppose!! We have just received a renewal notice and our insurance premium has rocketed. When I phoned I was told it's because we made a… Read Full Review

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★★★★☆

“good but shop around”

Written on: 24/03/2013

Had a claim and treated well. Annoys me that new customers treated better than old ones so shop around. John Lewis cheaper… Read Full Review

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★☆☆☆☆

“Avoid - They do not want to pay out!”

Written on: 11/12/2012

This insurance is not like dealing with M&S, as you have to go through an AXA call centre, Cunningham and Lindsay and Loss Adjusters, none of which gave me the M&S experience I have in stores. I was made to feel like I was a liar the whole way though and I have to fight each day with stressful emails and phone calls to try and prove that my claim is valid. You keep being told, 'just because you pay insurance does not mean we have to pay out'. Plus you get put through to so many different people… Read Full Review

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★★☆☆☆

“utterly appalling ”

Written on: 10/09/2012

recenty had my mountain bike and bag stolen. The bag a had my phone, wallet, watch and gym kit in it. The Claims handler couldn't have been worse! I know they have to ask questions but she made me feel awful. The way she questioned me about the smallest things like asking me to discribe the socks in my bag, where did I get them and did I have a receipt. The police dealt with it better than she did. She made me out to be a liar telling me she had difficulty understating the way in which I had… Read Full Review

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★☆☆☆☆

“Worst brand ever and KEEP RECEIPTS FOR EVERYTHING FOR EVER”

Written on: 20/05/2012 by shaft1973 (1 review written)

m and s being a house hold brand I thought yes i will insure with them a little more expensive than the others but a brand name nether the less. Worst decision ever I had an accident on the stairs dropped the laptop and video camera and they broke. After a phone call to start the ball rolling I was told id recieve another of a claims handler. After an hour on the phone i am told it seems unusual for both things to break and I need to provide reports and pictures. This i dont have a problem… Read Full Review

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★☆☆☆☆

“The Legal Cover and What it Means to You”

Written on: 30/04/2012

I had reason to contact the Legal department out of my M & S Home Insurance Legal Cover because I had been Unfairly Dismissed from my employment. My first point of call was a Barrister (nice guy) who said I did seem to have a case and referred me to the claims department. After making a claim, I was referred to a 'solicitor' who after reading my papers told me that I did not have a claim. I know little about legal matters but I knew enough to know that my case was genuine - so I went ahead… Read Full Review

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Ouuuch's Comment

Written on: 09/04/2013

Thanks for this feedback. I have had a similar poor experience with Arc Legal, which was an optional add-on to my Axa Home Insurance policy. Sadly, the quest for decent legal expenses cover continues...

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★☆☆☆☆

“Avoid like the plague ”

Written on: 14/03/2012 by condit06 (3 reviews written)

Husband's laptop was damaged so we started the ball rolling to make a claim. 7 weeks later & claim still hasn't been finalised. Claim handler is very rude, very unhelpful and does not have the courtesy to acknowledge when she receives requested items. M&S may look good on paper but when it comes to making a claim are truly awful. Will never use them again & will be advising family & friends to steer well clear too… Read Full Review

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★☆☆☆☆

“Having taken out Premium cover with M&S I expected...”

Written on: 10/03/2011

Having taken out Premium cover with M&S I expected Premium service. What I got was a catalogue of errors, extremely poor service and when I tried to make a claim it just got worse. I wrote to Head of Customer Service 2 months ago by recorded delivery and not yet had my letter acknowledged despite 2 chasing letters… Read Full Review

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★☆☆☆☆

“It's not nice to write a negative review but to be...”

Written on: 11/11/2010 by Patel UK (8 reviews written)

It's not nice to write a negative review but to be honest one must writ ethe truth.
I purchased M&S home insurance contents and Buildings for my home.
The policy arrived and having read through the document was statred a clause.

As I have a alarm I was told I must ensure the alarm is on when I go to bed each night.

Somthing I never do (not sure if people actauly do this or not).

I can understand I get a discount on my premium as I have an alarm and must ensure it is on when the property is… Read Full Review

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★☆☆☆☆

“I took Premium insurance from M&S and pays £45.00 each...”

Written on: 26/09/2010

I took Premium insurance from M&S and pays £45.00 each month. Last week I had a water leakage in the shower room and contacted M&S emergency help line for the same. They refused to fix is saying that you have got another bathroom to use and we will not cover it.

I wouldn't recommend anyone to buy M&S home insurance

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★☆☆☆☆

“Policy was missold, no survey of storm damage,...”

Written on: 13/08/2010

Policy was missold, no survey of storm damage, assesment made of damage without survey, assesor quantified the roof tiles missing from ground level! didnt allow for health and saftey required scaffold.
Marks and Spencer use this device to reduce payments on claims. They then make it very difficult to contact to resolve. I was told it was the customers duty to provide health and safety for the 'surveyor'. I was told the roof was old and needed repairing...roof is less than 3 years old.
Basicly I… Read Full Review

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Nicolarotchell's Comment

Written on: 30/07/2012

I encountered exactly the same with TESCO FINEST insurance. We lost roof tiles in the winter storms, called the insurance who sent out an assessor but without even going up to the roof (simply looking at from the drive) he deamed that there was frost damage to the corner tiles ! It wasn't obvious where the missing tiles had come from but we aould only be covered if our roof was new ! Why shoud we buy a new roof if there is no problem with the one we have - we have no leaks or anything..! We could pay for our own roofer to asses any damage but that wuldn't guarentee Tesco would do anything about it or refund us.
I now find out that tesco put in a £100 claim for their assessor to come out which has cancelled my no-claims - BUT WE WEREN'T ABLE TO MAKE A CLAIM !!! They assured me last week thay would cancel this but as yet they haven't and I can't get a decent quote from elsewhere !!

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★★★★★

“Made a claim on 04 Sunday July 2010, after dropping my...”

Written on: 07/07/2010 by tonyynot (1 review written)

Made a claim on 04 Sunday July 2010, after dropping my new mobile phone (Dell streak) on the floor and breaking the screen, by 09.30am Wednesday 7th July, it was all sorted. Payment in the post. I have M & S Premier Contents cover, well worth every penny. English call centers with 0800 number, No paper work to fill out all done over the phone. I would recommend M & S Premier Home insurance 100%. Will look at using M & S for car insurance now… Read Full Review

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★☆☆☆☆

“Sad though it seems we had to make a claim on our home...”

Written on: 03/04/2010

Sad though it seems we had to make a claim on our home insurance we had a small leak (i.e. a pin prink the ash felt) in our roof and this caused the plaster board in the bed room ceiling to fall the hole was all of 6x12 ". Having had to pay for our own repair to the roof apparently we never had this covered, we felt confident that M&S would be paying for the bedroom ceiling repair, after all they advised us to get the roof covered in tar pooling to prevent further damage as this could affect… Read Full Review

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★★★☆☆

“ And this year Marks and Spencer Home Insurance have...”

Written on: 17/04/2009 by dca860 (3 reviews written)

And this year Marks and Spencer Home Insurance have switched underwriters and it has gone up by nearly £200 / year. Yeah - right!. Virgin and Churchill are quoting prices that make me much happier!!… Read Full Review

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Guest's Response to dca860's Review

Written on: 27/07/2011

well i work in home insurance and churchill is cheaper cause the limits are different

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★☆☆☆☆

“Marks and Spencer Home Insurance does not provide new...”

Written on: 04/04/2009

Marks and Spencer Home Insurance does not provide new for old & will charge you excess on each claim, A bottle of coke leaked in my handbag and ruined both my sons and my own mobile phone, they charged 2 x policy excesses. I had to jump throught hoops to claim and it took ages TRAVEL INSURANCE...Appalling claims service............May be cheaper than the competition but you get what you pay for. The M&S reputation does not extend to their travel policies… Read Full Review

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★★☆☆☆

“I used M&S for two years, I was very happy with them...”

Written on: 17/02/2009

I used M&S for two years, I was very happy with them until the disgusting way they sent my renewal forms! So I called to complain and cancel the policy. Ten days later money was debited from my account, When I called to ask why they had taken money after I had cancelled they said that I have not called them to complain or cancel the policy!!! They apologies and informed me my money would be returned within 24hrs. I am now on day 4 (and phone call five) still no refund? NEVER AGAIN… Read Full Review

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★★★★★

“Sadly for M&S home insurance I have had to make two...”

Written on: 30/04/2008

Sadly for M&S home insurance I have had to make two claims in less than a year with them. But have since been so impressed with them that we have moved all insurance to be with them. M&S really gives peace of mind - they certainly don't try to mislead you like other Insurance companies.

We had a robbery whilst on holiday in Portugal. Our Tesco Travel Insurance refused to pay out for any valuable items, M&S informed me that all those items were covered in their "Valuables away from home"… Read Full Review

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