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 17th of 52 providers reviewed.

Customer happiness 66.25%
Customer trust 61.25%
Complaints performance 79.63%
Transparency rating 67.65%
Fairer Finance score
Reviewed Autumn 2022
69%
Gold ribbon: first place

Credit cards

Ranked 16th of 31 providers reviewed.

Customer happiness 61.74%
Customer trust 57.83%
Complaints performance 69.28%
Transparency rating 54.79%
Fairer Finance score
Reviewed Autumn 2022
61%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 14th of 48 providers reviewed.

Customer happiness 63.8%
Customer trust 60.74%
Complaints performance 74.08%
Transparency rating 70.93%
Fairer Finance score
Reviewed Autumn 2022
67%
Gold ribbon: first place

Personal loans

Ranked 8th of 26 providers reviewed.

Customer happiness 65.43%
Customer trust 59.26%
Complaints performance 69.28%
Transparency rating 70.22%
Fairer Finance score
Reviewed Autumn 2022
66%

Pet insurance

Ranked 28th of 31 providers reviewed.

Customer happiness 50.36%
Customer trust 49.64%
Complaints performance 72.22%
Transparency rating 61.83%
Fairer Finance score
Reviewed Autumn 2022
59%

Savings Accounts

Ranked 31st of 50 providers reviewed.

Customer happiness 54.76%
Customer trust 64.29%
Complaints performance 69.28%
Transparency rating 58.86%
Fairer Finance score
Reviewed Autumn 2022
62%
Gold ribbon: first place

Travel insurance

Ranked 4th of 38 providers reviewed.

Customer happiness 66.25%
Customer trust 62.92%
Complaints performance 74.19%
Transparency rating 55.1%
Fairer Finance score
Reviewed Autumn 2022
65%

Car insurance

Marks & Spencer

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

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

Marks & Spencer

Premier Car Insurance

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

Marks & Spencer

Standard Car Insurance

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

Credit cards

0% balance transfer credit cards

Marks & Spencer

Transfer Plus

3 stars
Duration of 0% balance transfer offer period i 28 months
Balance transfer fee during promotional period i 2.99%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.99%
Representative balance transfer rate i 1.805%
Risk based? i

Marks & Spencer

Shopping Plus

3 stars
Duration of 0% balance transfer offer period i 18 months
Balance transfer fee during promotional period i 2.99%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.99%
Representative balance transfer rate i 1.805%
Risk based? i

Marks & Spencer

Rewards

3 stars
Duration of 0% balance transfer offer period i 12 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.667%
Risk based? i

0% purchase credit cards

Marks & Spencer

Shopping Plus

4 stars
Duration of purchases offer period i 21 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

Rewards

4 stars
Duration of purchases offer period i 12 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

Transfer Plus

3 stars
Duration of purchases offer period i 3 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

Reward 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 21.9%
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 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

Rewards

3 stars
Reward extras i
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Marks & Spencer

Shopping Plus

2 stars
Reward extras i
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Marks & Spencer

Transfer Plus

2 stars
Reward extras i
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Foreign use credit cards

Marks & Spencer

Transfer Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Marks & Spencer

Shopping Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Marks & Spencer

Rewards

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.667%

Home Emergency Cover

Marks & Spencer

Home Emergency Cover

5 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Aviva Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £1,000.00
24/7 Claims Helpline i
Unoccupied period i Not Specified

Home insurance (building and contents)

Marks & Spencer

Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (Contents) i
Theft from outbuildings cover limit i £100,000.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £100,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000,000.00
Keys/locks if lost or stolen (Buildings) i £1,000,000.00
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i £1,000,000.00
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £550.00
Compulsory excess (Contents) i £100.00
Flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £40,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £100,000.00
Underwriter Aviva
24hr helpline i
Unoccupied period i 90
Protection against inflation i
Repairs guarantee i
Amendment fee i £0.00
Cancellation fee after 14 days i £0.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £100.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions £100,000.00
Out in Open Cover
Frozen Food Cover £100,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £100,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £100,000.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Marks & Spencer

Home Insurance Premier

4 stars
Alternative accommodation cover limit for buildings i Unlimited
Matching sets (Contents) i
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i Unlimited
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Unlimited
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i Unlimited
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £550.00
Compulsory excess (Contents) i £100.00
Flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £40,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings Cover limit i Unlimited
Contents Cover limit i Unlimited
Underwriter Aviva
24hr helpline i
Unoccupied period i 90
Protection against inflation i
Repairs guarantee i
Amendment fee i £0.00
Cancellation fee after 14 days i £0.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection Unlimited
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions Unlimited
Out in Open Cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment Unlimited
Household Removals
Student's Belongings
Shopping in Transit Unlimited
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i Sum Insured
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

Marks & Spencer

Home Insurance

4 stars
Trace and Access i £1,000,000.00
Keys/locks if lost or stolen (Buildings) i £1,000,000.00
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £550.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £450.00
Flood excess i £0.00
Unoccupied period i 90
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Marks & Spencer

Home Insurance Premier

4 stars
Trace and Access i Unlimited
Keys/locks if lost or stolen (Buildings) i Unlimited
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i Unlimited
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £550.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £450.00
Flood excess i £0.00
Unoccupied period i 90
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Marks & Spencer

Home Insurance

5 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i £1,000,000.00
Theft from outbuildings cover limit i £100,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £100,000.00
24hr helpline i

Marks & Spencer

Home Insurance Premier

5 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i Sum Insured
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i Unlimited
24hr helpline i

Pet insurance

Cat 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
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Essential

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
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
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Boarding fees limit i £0.00
Death benefit (illness) i £600.00
Euthanasia cover limit i £100.00
Cremation i £100.00
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Plus (£2,000)

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £50.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Standard

2 stars
Type of cover i Lifetime, other
Medical cover limit i £4,000.00
Medical excess i £50.00
Annual policy limit i £4,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i 9 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? 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
Prescription diet (treatment of bladder stones only) i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
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
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
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
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) i £200.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
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
If renewed, are existing conditions covered? i

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
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Plus (£2,000)

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,000.00
Medical excess i £50.00
Annual policy limit i £2,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Essential

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £50.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 3,000
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
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Marks & Spencer

Standard

2 stars
Type of cover i Lifetime, other
Medical cover limit i £4,000.00
Medical excess i £50.00
Annual policy limit i £4,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £0.00
Complementary treatment i £500.00
Euthanasia cover limit i £100.00
Cremation i £100.00
Age when compulsory excess rises i 9 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Savings Accounts

1 Year Fixed Rate Accounts

Marks & Spencer

M&S Fixed Rate Savings Issue 42

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i If balance is over £50,000 no earlier access, if balance is under £50,000 earlier access costs £50.

2 Year Fixed Rate Accounts

Marks & Spencer

M&S Fixed Rate Savings Issue 42

Interest Rate (AER) i 3.75%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i If balance is over £50,000 no earlier access, if balance is under £50,000 earlier access costs £75.

3 Year Fixed Rate Accounts

Marks & Spencer

M&S Fixed Rate Savings Issue 42

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i If balance is over £50,000 no earlier access, if balance is under £50,000 earlier access costs £100.

Easy Access Accounts

Marks & Spencer

M&S Everyday Savings Account

Interest Rate (AER) i 0.65%
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Marks & Spencer

M&S Cash ISA Fixed Rate Savings Option (Issue 42)

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs £50
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Marks & Spencer

M&S Cash ISA Fixed Rate Savings Option (Issue 42)

Interest Rate (AER) i 3.75%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs £75
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

3 Year Fixed Rate ISAs

Marks & Spencer

M&S Cash ISA Fixed Rate Savings Option (Issue 42)

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a fixed term account with similar terms or a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs £100
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Marks & Spencer

Cash Advantage Cash ISA Option

Interest Rate (AER) i 1.4%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £500.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Marks & Spencer

M&S Cash ISA Variable Rate Savings Option

Interest Rate (AER) i 2.3%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Travel insurance

Annual multi-trip insurance

Marks & Spencer

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

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

Marks & Spencer

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

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

Marks & Spencer

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

2 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0.00
Cancelling before travel cover limit i £2,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £250.00
Combined passport & travel cover limit i £250.00
Cutting trip short cover limit i £2,000.00
Abandoning your trip cover limit i £2,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 365 days

Single trip insurance

Marks & Spencer

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

3 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
Cutting trip short cover limit i £4,000.00
Missed departure cover limit i £600.00
Abandoning your trip cover limit i £4,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £250.00
Combined passport & travel cover limit i £250.00

Marks & Spencer

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

3 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
Cutting trip short cover limit i £6,000.00
Missed departure cover limit i £600.00
Abandoning your trip cover limit i £6,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £250.00
Combined passport & travel cover limit i £250.00

Marks & Spencer

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

2 stars
Cancelling before travel cover limit i £2,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0.00
Cutting trip short cover limit i £2,000.00
Missed departure cover limit i £600.00
Abandoning your trip cover limit i £2,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £250.00
Combined passport & travel cover 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

Travel insurance add-on: winter sports

Marks & Spencer

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

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00

Marks & Spencer

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

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00

Marks & Spencer

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

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00