Marks & Spencer

Marks & Spencer is one of Britain's most recognisable high street brands. It expanded into financial services in 1985.

The banking segment of M&S has been owned by HSBC since 2004. It offers a wide range of banking products including savings, credit cards and personal loans.

It also provides insurance for a number of common needs. Its car insurance is arranged and administered by panel of insurers. Travel and home insurance are underwritten by Aviva, and pet insurance by RSA.

It is based in London.

Marks & Spencer
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Gold ribbon: first place

Car insurance

Ranked 6th of 49 providers reviewed.

Customer happiness score 70%
Customer trust score 69.12%
Complaints performance 72.48%
Transparency rating 71.12%
Fairer Finance score
Reviewed Autumn 2023		 71%
Gold ribbon: first place

Credit cards

Ranked 11th of 34 providers reviewed.

Customer happiness score 63.68%
Customer trust score 60.23%
Complaints performance 66.6%
Transparency rating 61.56%
Fairer Finance score
Reviewed Autumn 2023		 63%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 13th of 46 providers reviewed.

Customer happiness score 64.61%
Customer trust score 60.96%
Complaints performance 72.7%
Transparency rating 79.13%
Fairer Finance score
Reviewed Autumn 2023		 69%
Gold ribbon: first place

Personal loans

Ranked 3rd of 27 providers reviewed.

Customer happiness score 78.05%
Customer trust score 65.85%
Complaints performance 66.09%
Transparency rating 60.59%
Fairer Finance score
Reviewed Autumn 2023		 68%
Happiest customers

Pet insurance

Ranked 25th of 35 providers reviewed.

Customer happiness score 47.9%
Customer trust score 51.4%
Complaints performance 66.55%
Transparency rating 78.89%
Fairer Finance score
Reviewed Autumn 2023		 61%

Savings Accounts

Ranked 35th of 53 providers reviewed.

Customer happiness score 63.95%
Customer trust score 67.44%
Complaints performance 66.09%
Transparency rating 54.15%
Fairer Finance score
Reviewed Autumn 2023		 63%
Gold ribbon: first place

Travel insurance

Ranked 8th of 45 providers reviewed.

Customer happiness score 57.84%
Customer trust score 60.82%
Complaints performance 72.7%
Transparency rating 62.31%
Fairer Finance score
Reviewed Autumn 2023		 63%
Highest claims satisfaction

Car insurance

Marks & Spencer

Standard Car Insurance (with guaranteed replacement car and RAC breakdown cover)

4 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £0.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Cover limit for stolen keys i £500.00
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3 years
Vandalism i

Marks & Spencer

Premier Car Insurance

4 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i £0.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £0.00
Windscreen replacement excess i £75.00
Cover limit for stolen keys i £500.00
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3 years
Vandalism i

Credit cards

0% purchase credit cards

Marks & Spencer

Shopping Plus

4 stars
Duration of purchases offer period i 18 months
Representative APR i 23.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Purchase Plus with M&S Club Rewards

4 stars
Duration of purchases offer period i 12 months
Representative APR i 24.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Shopping Plus with M&S Club Rewards

4 stars
Duration of purchases offer period i 18 months
Representative APR i 23.9%
Highest APR i 25.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Cashback and reward credit cards

Marks & Spencer

Shopping Plus with M&S Club Rewards

5 stars
Reward extras i Free next day delivery on marksandspencer.com, £65 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes, £12 Marks & Spencer gift voucher on your birthday
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £120.00
Annual fee after first year i £120.00
Foreign purchase fee i 2.99%

Marks & Spencer

Transfer Plus with M&S Club Rewards

5 stars
Reward extras i Unlimited free next day delivery on marksandspencer.com, £65 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes, £12 Marks & Spencer gift voucher on your birthday, £20 Marks & Spencer E-gift card
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £120.00
Annual fee after first year i £120.00
Foreign purchase fee i 2.99%

Marks & Spencer

Purchase Plus with M&S Club Rewards

5 stars
Reward extras i Unlimited free next day delivery on marksandspencer.com, £65 of vouchers per year to spend in Marks & Spencer clothing or home departments, 32 hot drink vouchers for Marks & Spencer Cafes, £12 Marks & Spencer gift voucher on your birthday, £20 Marks & Spencer E-gift card
Representative APR i 24.9%
Risk based? i
Annual fee in first year i £120.00
Annual fee after first year i £120.00
Foreign purchase fee i 2.99%

Home emergency cover

Marks & Spencer

Home Emergency Cover

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Primary Heating System i
Cover Type i Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i £1,000.00
Unoccupied period i Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i Unlimited

Home insurance (building and contents)

Marks & Spencer

Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £1,000,000.00
Theft from outbuildings i £100,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i £100.00
Property owner liability i £5,000,000.00
Cancellation fee within 14 days i £0.00
Contents cover limit i £100,000.00
Alternative accommodation cover limit for contents i £100,000.00
Buildings cover limit i £1,000,000.00
Cancellation fee after 14 days i £0.00
Liability to domestic employees i £10,000,000.00
Trace and access i £1,000,000.00
Keys/locks if lost or stolen (Buildings) i £1,000,000.00
Liability as a tenant i £40,000.00
Replace belongings new for old i
Flood excess i £100.00
Escape of water excess (minimum) i £450.00
Money in the home i £500.00
Visitor's possessions i £100,000.00
Office equipment i £100,000.00

Marks & Spencer

Home Insurance Premier

4 stars
Alternative accommodation cover limit for buildings i Unlimited
Theft from outbuildings i Sum insured
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i £100.00
Property owner liability i £5,000,000.00
Cancellation fee within 14 days i £0.00
Contents cover limit i Unlimited
Alternative accommodation cover limit for contents i Unlimited
Buildings cover limit i Unlimited
Cancellation fee after 14 days i £0.00
Liability to domestic employees i £10,000,000.00
Trace and access i Unlimited
Keys/locks if lost or stolen (Buildings) i Unlimited
Liability as a tenant i £40,000.00
Replace belongings new for old i
Flood excess i £100.00
Escape of water excess (minimum) i £450.00
Money in the home i £500.00
Visitor's possessions i Unlimited
Office equipment i Unlimited

Buildings insurance

Marks & Spencer

Home Insurance

4 stars
Escape of water excess for buildings i £450.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 90 days
Property owner liability i £5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00

Marks & Spencer

Home Insurance Premier

4 stars
Escape of water excess for buildings i £450.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 90 days
Property owner liability i £5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00

Contents insurance

Marks & Spencer

Home Insurance

5 stars
Matching sets (contents) i
Theft from outbuildings i £100,000.00
Cover for items away from home i Covered as standard
Property owner liability i £5,000,000.00

Marks & Spencer

Home Insurance Premier

5 stars
Matching sets (contents) i
Theft from outbuildings i Sum insured
Cover for items away from home i Covered as standard
Property owner liability i £5,000,000.00

Pet insurance

Cat insurance

Marks & Spencer

Premier (£5,000)

5 stars
Medical excess i £50.00
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Age when compulsory excess rises i 9 years
Annual policy limit i £5,000.00
Cancellation fee i £0.00
Annual condition limit i
Amendment fee i £0.00
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
If renewed, are existing conditions covered? i
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 180 days

Marks & Spencer

Premier (£7,000)

5 stars
Medical excess i £50.00
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Age when compulsory excess rises i 9 years
Annual policy limit i £7,000.00
Cancellation fee i £0.00
Annual condition limit i
Amendment fee i £0.00
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £7,000.00
MRI scans i £7,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
If renewed, are existing conditions covered? i
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 180 days

Marks & Spencer

Premier (£10,000)

5 stars
Medical excess i £50.00
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Age when compulsory excess rises i 9 years
Annual policy limit i £10,000.00
Cancellation fee i £0.00
Annual condition limit i
Amendment fee i £0.00
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Boarding fees limit i £750.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
If renewed, are existing conditions covered? i
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 180 days

Marks & Spencer

Plus (£3,000)

4 stars
Medical excess i £50.00
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Age when compulsory excess rises i 9 years
Annual policy limit i £3,000.00
Cancellation fee i £0.00
Annual condition limit i
Amendment fee i £0.00
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Boarding fees limit i £600.00
Death benefit (illness) i £600.00
Euthanasia cover limit i £100.00
Cremation i £100.00
If renewed, are existing conditions covered? i
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i

Dog insurance

Marks & Spencer

Premier (£5,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £50.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00

Marks & Spencer

Premier (£7,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,000.00
Medical excess i £50.00
Annual policy limit i £7,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,000.00
Cruciate ligament damage i £7,000.00
CT scans i £7,000.00
MRI scans i £7,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00

Marks & Spencer

Premier (£10,000)

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £50.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescribed food i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £2,000.00

Marks & Spencer

Plus (£3,000)

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i £3,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00

Travel insurance

Annual multi-trip insurance

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

4 stars
Medical excess i £100.00
Cancelling before travel cover limit i £4,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Max trip duration i 365 days
Cutting trip short (curtailment) cover limit i £4,000.00
Abandoning your trip (abandonment) cover limit i £4,000.00
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Natural disaster relocation cover i

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

4 stars
Medical excess i £100.00
Cancelling before travel cover limit i £6,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Max trip duration i 365 days
Cutting trip short (curtailment) cover limit i £6,000.00
Abandoning your trip (abandonment) cover limit i £6,000.00
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Natural disaster relocation cover i

Single trip insurance

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

4 stars
Cancelling before travel cover limit i £4,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Cutting trip short curtailment cover limit i £4,000.00
Missed departure cover limit i £600.00
Abandoning your trip (abandonment) cover limit i £4,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

4 stars
Cancelling before travel cover limit i £6,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Cutting trip short curtailment cover limit i £6,000.00
Missed departure cover limit i £600.00
Abandoning your trip (abandonment) cover limit i £6,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00

Travel insurance add-on: cruise cover

Marks & Spencer

Travel Insurance (with no belongings/baggage cover and with £2000 cancellation cover)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

Marks & Spencer

Travel Insurance (with £1000 belongings and baggage cover and with £4000 cancellation cover)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00

Marks & Spencer

Travel Insurance (with £2500 belongings and baggage cover and with £6000 cancellation cover)

4 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £150.00
Unused excursions cover limit i £10,000.00