Marks & Spencer Home Insurance Reviews

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Latest Reviews

★☆☆☆☆

“M&S Home Insurance claim - rubbish customer services”

Written on: 22/04/2016 by 1234judy (1 review written)

I am currently trying to claim against my M&S home insurance. The policy says I can claim for 'track and trace' for water leaks. We know we have a water leak, but as we have concrete floors are unable to identify exactly where. M&S say I can only have 'track and trace' if the leak is visibly causing damage! If it was visible there would be no need to 'track and trace' Have emailed Mr Rose ... wonder if he will reply :(… Read Full Review

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★★☆☆☆

“Despite the brand, don't expect M&S values”

Written on: 09/03/2016 by WiltshireNick (1 review written)

Customer service and value (at least in year one) are consistent with the M&S brand - come renewal time, however, expect no better than anyone else as they hike up premiums… Read Full Review

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★★★★★

“Great service on two claims”

Written on: 07/01/2016 by ford295 (1 review written)

I have unfortunately had to claim twice in the last year or so. Both my fault, the first was a hasty lens change on my DSLR which resulted in a thirty foot drop onto concrete and the second was a breakage of four fishing pole sections. Both claims were dealt with on the phone and paid out and in my bank within a couple of days. First rate service at a time of stress… Read Full Review

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★☆☆☆☆

“Misreprensentation home 'emerg'cover is not twentyfour...”

Written on: 03/12/2015 by whatsmyexperience (1 review written)

AVOID M&S HOME INSURANCE AND EMERGENCY COVER LIKE THE PLAGUE! I purchased M&S Home insurance with additional Emergency Home cover mistakenly thinking M&S's good reputation, as a British institution would guarantee quality and great service. They were by no means the cheapest but as I commute a long distance to and from work it would be worth paying the premium for peace of mind and in the knowledge that should I required the 24/7 home emergency service an issue would be dealt with quickly and… Read Full Review

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★☆☆☆☆

“Intentionally delays payments”

Written on: 08/10/2015 by MichaelMay (1 review written)

The first time we claimed on our pet insurance M&S provides made every excuse to delay payment 1. Computer problems 2. We have not received your forms. 3. I found them, I will deal personally and 4 weeks later still waiting for payment. 4.Email has had problems keeps losing the attachments These are the latest excuses after they claimed the vet must have forgot to send them 1.We have the claim, it will be dealt with immediately 2. We cannot find the forms. 3. Found them, 2 working days for… Read Full Review

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★☆☆☆☆

“MUGGED IN A DARK ALLEY!”

Written on: 25/07/2015 by Timhawkshaw (1 review written)

Whatever you do, don't take a policy out with these rip off merchants! For a start they keep you online at a premium rate for about 4 minutes before you actually get human contact! It took ET less time to get human contact than that after landing on earth for the first time!!! Informed them of my car modification (tow bar) which took the girl all of 3 seconds for her to change! Then hit me with the £25 charge! So the call took a total of 5 mins - Me £25 plus premium rate out of pocket! M&S… Read Full Review

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★★★☆☆

“Careful when renewing”

Written on: 07/03/2015 by casiomx8 (1 review written)

I received my home and contents insurance and found that the premium had risen 25%.. Quite excessive i thought ! I rang to enquire about the substantial hike and was eventually offered £40.00 in vouchers but this still left the insurance almost £90.00 more expensive than last year. I was told there was nothing else that they could do apart from reduce the insurance cover. I decided to do a new online quote and behold the 20% online discount kicked in and there was a £105.00 saving !There… Read Full Review

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★☆☆☆☆

“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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Saltyjim's Comment

Written on: 04/03/2016

Was considering their Home Insurance, BUT having read yours and others reviews will go elsewhere. Unfortunately I found of the 4 main companies recommended by Which all have adverse comments on proper review sites. Not very encouraging.

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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 (4 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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