Features and benefits
Personal claims manager
Uninsured driver protection
It is reassuring to know that you can recover your excess even if you're hit by an uninsured driver.
Full details including vehicle registration, the make/model of the vehicle; and the driver’s details must be provided.
Guaranteed replacement car with premier cover
If you can't drive your car after an accident, fire or theft, we'll give you a hire car for up to 28 days (subject to eligibility),*** and then a courtesy car after that if required (subject to availability).
Guaranteed replacement car cover options can be added to standard policies.
Child seat cover
Personal accident cover - for peace of mind
£100,000 legal protection with premier cover
Breakdown cover included with premier cover
Driving abroad?
Quality repairs
**If M&S Car Insurance are dealing with your claim, your personal claims manager will be your main point of contact throughout. If your policy underwriter is dealing with your claim, your personal claims manager will be here for you if you need help.
***A hire vehicle will not be provided when a courtesy car is made available to you.
****The insurer will only pay these amounts if the cause of death or injury is an accident involving a vehicle.
Thinking about buying an electric car?
Learn the financial, practical and performance considerations when owning a electric car.
Premier or standard car insurance cover?
Choose the right cover for you
Premier cover
With premier cover you get additional benefits worth over £440††
These include:
- European and UK breakdown cover, worth £391.04††. As it covers you, not just your vehicle, we'll keep you on the road even if you're a passenger in another car.
- Use of a guaranteed replacement car for up to 28 days after an accident, fire or theft (subject to eligibility) worth £21.24††.
- Up to £100,000 motor legal protection to help you claim for uninsured losses, worth £27.79††.
Standard cover
If you don't need all these benefits, you can keep the cost of your electric car insurance down by choosing standard cover which comes with:
- Uninsured driver protection – so you're covered if you're hit by someone else without insurance. You will need to provide a minimum of the make, model, and registration number of the vehicle involved, and the driver’s details.
- 3 year guarantee on repairs carried out by our approved repairers.
- Child seat cover – replacement child seat (up to £150) after an accident.
- £200 personal belonging cover.
You can also add some of the benefits included with premier as optional extras. In some instances it could cost you less to upgrade to premier.
| Cover benefits | Premier cover | Standard cover |
|---|---|---|
| Breakdown cover | Included - European and UK cover. Also covers you as a passenger in another car. | Optional - four levels available covering your vehicle only. |
| Uninsured driver protection | Included | Included |
| Motor legal protection | Included | Optional |
| Guaranteed replacement car - subject to eligibility | Included - 28 days | Optional - 14, 21 or 28 days |
| Courtesy car - subject to availability | Included | Included |
| European travel - unlimited trips up to 90 days per cover period | Included | Included |
| Loss, theft, damage and destruction of vehicle | Included | Included |
| Loss, theft, damage to personal property in vehicle | Included | Included |
| Personal accident cover for you and your spouse - up to £10,000 | Included | Included |
| Child seat cover up to £150 | Included | Included |
| Approved repairs guaranteed for 3 years | Included | Included |
| Claims line with personal claims manager | Included | Included |
| Cover benefits | Breakdown cover |
|---|---|
| Premier cover | Included - European and UK cover. Also covers you as a passenger in another car. |
| Standard cover | Optional - four levels available covering your vehicle only. |
| Cover benefits | Uninsured driver protection |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Motor legal protection |
| Premier cover | Included |
| Standard cover | Optional |
| Cover benefits | Guaranteed replacement car - subject to eligibility |
| Premier cover | Included - 28 days |
| Standard cover | Optional - 14, 21 or 28 days |
| Cover benefits | Courtesy car - subject to availability |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | European travel - unlimited trips up to 90 days per cover period |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Loss, theft, damage and destruction of vehicle |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Loss, theft, damage to personal property in vehicle |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Personal accident cover for you and your spouse - up to £10,000 |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Child seat cover up to £150 |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Approved repairs guaranteed for 3 years |
| Premier cover | Included |
| Standard cover | Included |
| Cover benefits | Claims line with personal claims manager |
| Premier cover | Included |
| Standard cover | Included |
††[1][2][3][4]Motor legal protection is £27.79 and guaranteed replacement car is £21.24 based on 28 days, costs based on the add-on prices for M&S Car Insurance Standard Cover. Breakdown cover is provided by RAC for M&S Car Insurance customers, the equivalent cover is not available directly from rac.co.uk. The cost of the equivalent breakdown cover with the AA is £391.04 (this price is based on a 40 year old customer with single personal level UK breakdown cover for £186.12 and all zones European breakdown cover of £204.92 (based on a Vauxhall Corsa, 2019, manual, petrol). All prices obtained 1st August 2025.
Terms, conditions, exclusions and limitations apply and a copy of the full policy wording and complaints procedure is available on request.
Frequently asked questions
Lines are open Monday to Friday: 8am-8pm Saturday: 8am-6pm Sunday: 10am-4pm and 9am-5pm bank holidays. Calls are recorded.