Marks and Spencer Home Insurance

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Marks and Spencer

Marks & Spencer Home Insurance provides cover for the building and contents of a person’s home. Homeowners are offered the choice of Premier or Standard cover policies, and can also choose to add additional extras to enhance their level of cover.

The main difference between the two types is that the Standard policy only gives accidental damage cover on certain specified items, whereas Premier cover insures accidental damage to a policyholder’s building and contents in addition to everything that is included with the Standard policy.

A policyholder’s contents are covered on a new for old basis, and there's no excess to pay unless they choose to, however subsidence is an exception with a £1,000 excess.

In addition, Marks & Spencer Home Insurance can also provide additional cover for Home Emergency Cover and for Legal Expenses.

Online applicants can save money on standard premiums for new policies.

Premier Cover

Marks & Spencer Premier Home & Contents policy protects homeowners against theft, loss, and accidental damage to the contents of their home and even visitor’s possessions. Policyholders can make one claim every four years without affecting their no-claims discount.

Premier Cover offers a wide level of protection against theft or damage to buildings including garages, sheds and swimming pools. Cover for blocked drains, storm and flood damage to fences and gates is also included. Alternative accommodation is paid for if necessary, together with property owners’ liability cover up to £2 million for a single incident.

Standard Cover

Homeowners that opt for Standard Cover are safeguarded against theft, loss or damage to the contents of their home. This includes accidental damage to TV, video, audio and computer equipment.

Cover for loss or damage to the building forming a policyholder’s home, including fixtures and fittings is provided, with limited accidental damage cover to ceramic hobs, glass and sanitary ware. Alternative accommodation is also paid for where necessary.

One contents claim can be made every four years without affecting a person’s no-claims discount.

Additional Cover

Customers can also take out extras such as Home Emergency Cover and Legal Expenses Cover when applying for a Home Insurance policy from Marks & Spencer.

Home Emergency Cover

Home Emergency Cover provides added protection to cover costly household emergencies, such as problems with plumbing, central heating, etc. Customers who apply for Home Emergency Cover also get:

• Up to £500 per incident for emergency repairs
• £100 for alternative accommodation
• Cover for damages caused by a leaking roof or by storm damage
• Cover for broken windows
• Cover for failure of a hot water system
• Cover for toilet waste pipe blockages
• Cover for failure of gas or electricity suppliers
  

Contents Away From Home Cover

Homeowners can also ensure their possessions are fully insured against theft and damage if taken outside their home, for holidays, car journeys, shopping or on nights out.

Legal Expenses Cover

By taking out Legal Expenses insurance (available with either policy is worth up to £50,000), homeowners ensure they are covered for events such as contract disputes, personal injury claims, employment disputes and other legal advice bills.