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 BISL. Travel and home insurance are underwritten by Aviva, and pet insurance by RSA.

It is based in London.

Marks & Spencer
Visit provider's website

We don't get paid for any links on our site.

Gold ribbon: first place

Car insurance

Ranked 9th of 53 providers reviewed.

Customer happiness 65.75%
Customer trust 60.62%
Complaints performance 78.95%
Transparency rating 72.66%
Fairer Finance score
Reviewed Spring 2022
70%

Credit cards

Ranked 16th of 31 providers reviewed.

Customer happiness 59.77%
Customer trust 55.69%
Complaints performance 66.44%
Transparency rating 55.31%
Fairer Finance score
Reviewed Spring 2022
59%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 6th of 49 providers reviewed.

Customer happiness 64.54%
Customer trust 63.48%
Complaints performance 74.22%
Transparency rating 74.34%
Fairer Finance score
Reviewed Spring 2022
69%

Personal loans

Ranked 10th of 25 providers reviewed.

Customer happiness 66.48%
Customer trust 57.95%
Complaints performance 66.44%
Transparency rating 52.83%
Fairer Finance score
Reviewed Spring 2022
61%

Pet insurance

Ranked 26th of 28 providers reviewed.

Customer happiness 47.2%
Customer trust 49.2%
Complaints performance 70.65%
Transparency rating 66.05%
Fairer Finance score
Reviewed Spring 2022
58%

Savings accounts

Ranked 32nd of 49 providers reviewed.

Customer happiness 55.81%
Customer trust 62.21%
Complaints performance 66.44%
Transparency rating 57.08%
Fairer Finance score
Reviewed Spring 2022
60%
Gold ribbon: first place

Travel insurance

Ranked 3rd of 39 providers reviewed.

Customer happiness 59.93%
Customer trust 59.57%
Complaints performance 74.2%
Transparency rating 49.43%
Fairer Finance score
Reviewed Spring 2022
61%

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
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
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

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
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

4 stars
Duration of 0% balance transfer offer period i 32 months
Balance transfer fee during promotional period i 1.99%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.99%
Representative balance transfer rate i 1.667%
Risk based? i

Marks & Spencer

Shopping Plus

3 stars
Duration of 0% balance transfer offer period i 23 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

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 19.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.527%
Risk based? i

0% purchase credit cards

Marks & Spencer

Shopping Plus

5 stars
Duration of purchases offer period i 24 months
Representative APR i 21.9%
Highest APR i 23.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
Number of days before interest is charged on purchases i 55 days
Risk based? i

Marks & Spencer

Rewards

5 stars
Duration of purchases offer period i 12 months
Representative APR i 19.9%
Highest APR i 23.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.527%
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 21.9%
Highest APR i 23.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
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 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
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

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
Representative APR i 19.9%
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
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

Rewards

3 stars
Reward extras i Preferential rates for travel money
Representative APR i 19.9%
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 Preferential rates for travel money
Representative APR i 21.9%
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 Preferential rates for travel money
Representative APR i 21.9%
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 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%

Marks & Spencer

Shopping Plus

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%

Marks & Spencer

Rewards

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 19.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.527%

Home insurance (building and contents)

Marks & Spencer

Home Insurance

4 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £100,000.00
Escape of water excess i £450.00
Garden plants i
Alternative accommodation cover limit for contents i £100,000.00
Alternative accommodation cover limit for buildings i £100,000.00
Cover for keys if lost i £1,000,000.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Marks & Spencer

Home Insurance Premier

4 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £450.00
Garden plants i
Alternative accommodation cover limit for contents i Unlimited
Alternative accommodation cover limit for buildings i Unlimited
Cover for keys if lost i Sum insured
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Buildings insurance

Marks & Spencer

Home Insurance

4 stars
Trace and Access i £1,000,000.00
Cover for keys if lost i £1,000,000.00
Matching sets i
Rainfall (mm) i Not Defined
Alternative accommodation cover limit i £100,000.00
Cover for keys if stolen i £1,000,000.00
Compulsory excess i £100.00
Escape of water excess i £550.00
24hr helpline i
Property owner liability i £5,000,000.00

Marks & Spencer

Home Insurance Premier

4 stars
Trace and Access i Unlimited
Cover for keys if lost i Unlimited
Matching sets i
Rainfall (mm) i Not Defined
Alternative accommodation cover limit i Unlimited
Cover for keys if stolen i Unlimited
Compulsory excess i £100.00
Escape of water excess i £550.00
24hr helpline i
Property owner liability i £5,000,000.00

Contents insurance

Marks & Spencer

Home Insurance

5 stars
Matching sets i
Cover for keys if lost i £1,000,000.00
Theft from outbuildings cover limit i £100,000.00
Cover limit for cycles in the home i £10,000.00
Replace belongings new for old i
Cover for keys if stolen i £1,000,000.00
Money in the home cover limit i £500.00
Alternative accommodation cover limit i £100,000.00
24hr helpline i

Marks & Spencer

Home Insurance Premier

5 stars
Matching sets i
Cover for keys if lost i Sum insured
Theft from outbuildings cover limit i Sum Insured
Cover limit for cycles in the home i £15,000.00
Replace belongings new for old i
Cover for keys if stolen i Sum insured
Money in the home cover limit i £500.00
Alternative accommodation cover limit i Unlimited
24hr helpline i

Pet insurance

Cat insurance

Marks & Spencer

Premier

4 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

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

Standard

3 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 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

Standard

4 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

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

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

Travel Insurance Covid-19 Cover

Marks & Spencer

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

1 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Marks & Spencer

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

1 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Marks & Spencer

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

1 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)