Contents insurance
Your home is so much more than just the building you live in. It’s the sofa you dream about while on your daily commute, the TV you’re glued to on a Sunday afternoon, and the fully-stocked fridge you can’t wait to raid. Your home is your sanctuary, so understandably you’ll want to do everything you can to protect everything in it.
Unfortunately, accidents are unavoidable despite all our best efforts. But with the right home insurance, you can at least banish the worry and have peace of mind, knowing you’ve done all you can to safeguard your possessions.
M&S Home Insurance is underwritten by Aviva Insurance Limited.
What is contents insurance and why do I need it?
Contents insurance typically covers any of your possessions that are not a fixed part of your home, such as furniture, electrical items and clothing.
Home contents insurance may not be compulsory, but imagine returning home one day to find your possessions had been lost due to water damage, fire or theft. Your laptop, your bed, the jewellery given to you by a favourite relative, even your clothes – you’d be lost without the things most precious to you, and they could cost so much to replace.
With contents insurance, if anything does go wrong, it could help you replace or repair your possessions while giving you the support you need when making a claim.
Why get home contents insurance from M&S Bank?
The level of cover you’ll receive with a contents insurance policy can vary significantly from one provider to the next. At M&S Bank, our contents insurance is designed to provide you with the protection you need, and our premier policy offers unlimited sums insured up to the total value of your belongings (subject to inner cover limits, which include contents away from your home, valuables, bicycles, money, electronic data downloads, liability, legal expenses and home emergency cover. Full details can be found in the policy wording Some of the other benefits of a home contents policy with M&S Bank include:
- A choice of premier or standard cover
- 24 hour claims service
- Flexible claims settlement; choose an alternative settlement instead of repair or replace
- New for old cover. This means that no matter the age or condition of your belongings they’ll be replaced with a new version or the latest equivalent
- Cover for bicycles at home, with optional cover to help protect your bikes when you’re out and about
- Cover for your garden contents
M&S Bank Home Insurance can cover both buildings and contents. Find out more about our building cover here.
What does M&S Bank's contents insurance cover?
M&S Bank’s premier contents insurance offers extensive protection including cover for:
- Accidental damage
- Unlimited contents (inner limits apply)
- Unlimited garden contents, including theft or damage to plants
- Dependent relatives’ possessions – if they are in a nursing home
- Students’ contents while at college or university
- Visitors’ belongings
Our standard contents insurance costs less; however, the cover limits are lower. Check out the policy booklet to find out more about the benefits and limits, or compare them here
What's not covered?
M&S Home Insurance can’t cover everything, some of the things we don’t cover include:
- Wet rot or dry rot damage
- Damage caused by wear and tear
- Damage or theft if your home has been unoccupied for more than 90 days in a row
Read the policy wording for full details of what is and isn’t covered with M&S Home Insurance.
Looking for a quote?
Get a contents insurance quote today; we only need few details and you’ll have the option to spread the cost of your policy over 12 months at no extra cost.
If you’re an existing customer, you can find out how to renew or change your policy, or make a claim by visiting our existing home insurance customer page.
M&S Home Insurance is underwritten by Aviva Insurance Limited. Terms and conditions apply.
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