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Marks and Spencer (M&S) Car Insurance offers flexible and complete coverage that fits your needs. There are two main levels of cover: Premier and Standard. You can choose the best policy for your situation. If you want detailed coverage with extra benefits or a plan that is more affordable, M&S Car Insurance has options to protect you for all your driving needs.

Premier vs. Standard Cover: Key Features and Benefits

M&S Car Insurance allows you to choose either Premier or Standard cover. If you go with Premier cover, you receive extra benefits valued at over £417. These benefits include European breakdown cover, options for a guaranteed replacement car, and motor legal protection.

Feature Premier Cover Standard Cover
Breakdown Cover Included (European and UK) Optional (four levels available)
Uninsured Driver Protection Included Included
Motor Legal Protection Included (up to £100,000) Optional
Guaranteed Replacement Car Included (28 days, subject to eligibility) Optional (14, 21, or 28 days)
Courtesy Car Included (subject to availability) Included (subject to availability)
European Travel Unlimited trips (up to 90 days per cover period) Included
Loss, Theft, Damage of Vehicle Included Included
Loss, Theft, Damage to Personal Property Included Included
Personal Accident Cover (You and Spouse) Up to £10,000 Up to £10,000
Child Seat Cover Up to £150 Up to £150
Approved Repairs 3-year guarantee 3-year guarantee
Claims Line with Personal Claims Manager Included Included

Features and Benefits of Marks and Spencer Car Insurance

Marks and Spencer (M&S) Car Insurance offers complete coverage and several useful features. This helps you feel safe. You can pick between the Premier or Standard level of cover. M&S ensures that your policy fits your needs. Here are the key features:

Personal Claims Manager

No matter what level of cover you choose, M&S gives you your own personal claims manager. This manager will assist you with your car insurance claim. They will help everything go smoothly and quickly, delivering the type of service you should expect from a good company like M&S. Your personal claims manager will be your main point of contact during the claims process. They will handle any worries you have right away.

Uninsured Driver Protection

With M&S car insurance policies, you are protected from uninsured drivers. If an uninsured driver hits you, you can recover your excess and not lose any money. To process your claim, you must provide full details. This includes the vehicle's registration, make and model, and information about the uninsured driver.

Uninsured Driver Protection

Guaranteed Replacement Car

If you have Premier cover, M&S will give you a replacement car for up to 28 days. This is true if your car isn't driveable due to an accident, fire, or theft. After 28 days, you may be able to get a courtesy car, but it will depend on what is available. If you have a Standard policy, you can still add replacement car cover options to your policy.

Child Car Seat Cover

M&S policies can provide you with up to £150 to replace a child car seat if it's damaged in an accident. This benefit is available even if there is no visible damage. It helps keep the members of your family safe.

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Personal Accident Cover for Peace of Mind

Comprehensive policies provide up to £10,000 for personal accident cover. This support is for you or your spouse if there is a car accident. It helps to ease your worries. You will feel secure knowing that medical costs and other expenses will be covered in case of serious injury or death due to an accident.

£100,000 Legal Protection with Premier Cover

If you have a car accident that is not your fault, Premier cover can provide you with up to £100,000 in legal protection. This amount can help pay for legal fees to claim uninsured losses for you and your passengers. To get this support, there must be a reasonable chance of case success.

Marks and Spencer Car Insurance Breakdown Cover

Breakdown Cover

M&S Premier cover includes zones for European breakdown cover from the RAC. This means you are protected even if you are in a different car. With Standard policies, you can choose from optional levels of breakdown cover for your vehicle. Your options range from basic roadside help to full UK breakdown cover and European recovery. Remember, the cost of parts, fuel, and other supplies is not included in the coverage.

Driving Abroad

M&S UK policy gives you protection when you drive in other countries. You can enjoy this coverage for up to 90 days. This means your vehicle will have the same level of protection as it does under your UK policy. This applies to the countries mentioned in your policy documents.

Quality Repairs with a 3-Year Guarantee

If your car needs fixing after an accident, M&S will arrange repairs for you through their nationwide approved repair centre network. They stand by the quality of all replacement parts and repairs for three years. This means you can feel calm knowing you will receive great service.

Additional Policy Features:

  • Legal Fees: If your accident is not your fault, M&S provides legal protection. It covers legal fees up to £100,000.
  • Replacement Car Cover Options: You can add this to Standard cover. There is an extra fee, but it gives you peace of mind if your car is a total loss.
  • Complaints Procedure: M&S has a clear process to help you with any issues about your policy or claim.
  • Policy Underwriter: This policy is set up and managed by BISL Limited. They partner with several insurers for coverage.
  • Copy of the Full Policy: You can request a copy that includes your certificate of motor insurance and all policy details.

M&S Car Insurance offers several car cover options, including personal belongings cover. You can get protection against third party fire and theft. With M&S, you will feel secure no matter what happens. You can choose comprehensive cover or extras, like a replacement child seat cover. M&S ensures that your car insurance gives you the high-quality protection you need.

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How to Make a Claim with M&S Car Insurance

If you have an accident or if your car gets damaged, M&S has a claims team ready to help. A personal claims manager will guide you through the steps you need to follow. They will be your main point of contact during this time. When you contact the claims team, make sure to provide your policy number and any important details.

Steps to Claim:

  1. Call the M&S claims team and provide your policy number.
  2. Share details like your vehicle's registration, driver's information, and any other documents they need.
  3. Work with your personal claims manager to make the process simple.

How to Contact M&S Car Insurance

  • Customer Service: You can reach out to the customer services team if you have any questions or issues with your policy.
  • Claims Team: If you need to file a claim, the M&S claims team is available to help. Remember to have your policy number ready when you contact them.
  • Live Chat and Online Support: M&S offers an online assistant and live chat for quick help.
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Optional Extras for Standard Policies

M&S Car Insurance allows Standard policyholders to add some features as optional extras.

  • Get help if you have a breakdown.
  • A replacement car is always guaranteed.
  • We offer protection for legal motor issues.

Premier Policy or Standard Car Insurance: Which Is Right for You?

  • Premier Cover: This is perfect if you want extra benefits. It has breakdown cover, legal protection, and a guarantee for a replacement car.
  • Standard Cover: This choice offers basic protection at a lower price. You can add benefits if you want to.

M&S Car Insurance is a good choice for new customers and young drivers. It also works well for people who need insurance for multiple cars. They offer flexible plans. You can expect high-quality service and full coverage that meets your individual circumstances.

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FAQs About Marks and Spencer Car Insurance

The Premier cover comes with several key features. It offers single personal level UK breakdown cover and European breakdown cover. You will be protected if you have an accident with an uninsured driver. It also includes legal protection for your car. If your car needs replacing, you might get a guaranteed replacement car for up to 28 days, but you need to qualify for that. Plus, there's personal accident cover that can be worth up to £10,000. Finally, you get a 3-year guarantee on repairs done by approved repairers.

Yes, with the Standard policy, you can add some optional extras. These include breakdown cover, legal protection, and guaranteed replacement car cover. This means you can tailor your policy to meet your needs.

If an uninsured driver hits you, Marks and Spencer's uninsured driver protection can help you get back your extra money. This means you won't lose any cash. You just need to provide details, like the vehicle registration number of the uninsured driver and the make and model of their car.

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Page last updated on: 24/12/2024

Page reviewed by: Shay Ramani

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