Legal information
Cards
Credit card
Credit available subject to status to UK residents aged 18 or over.
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Loans
Personal loans
To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident and be aged 18 or over.
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Insurance
Important Information
Home insurance
About Us – Important Information
Whose products are offered?
Only M&S Home Insurance which is underwritten by Aviva Insurance Limited.
What service is provided?
You will not receive any advice or recommendation about M&S Home Insurance. You will need to make your own choice about how to proceed.
Who are we regulated by?
M&S Insurance is a trading name of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ. © HSBC Group 2026. All rights reserved.
Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Their Financial Services Registration number is 202153.
You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.
What to do if you have a complaint?
If you have a complaint, it should be addressed to the Customer Care team.
For policies beginning 830, please call 0800 121 4070, write to Head of Customer Care, M&S Home Insurance, Civic Drive, Ipswich IP1 2AN or email: customercare@axa-insurance.co.uk.
For policies beginning MHO, please call 0800 015 7760 or write to Head of Customer Relations, M&S Home Insurance, PO Box 7463, Perth, PH2 0YX. Calls are recorded.
Please provide your policy number or claim number in any correspondence. If you are not satisfied you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
Car insurance
About Us – Important Information
Whose products are offered?
Only M&S Car Insurance administered by BISL Limited. BISL Limited acting as an insurance intermediary who provide insurance products from a range of insurers.
What service is provided?
You will not receive any advice or recommendation about M&S Car Insurance. You will need to make your own choice about how to proceed.
Who are we regulated by?
M&S Insurance is a trading name of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ. © HSBC Group 2026. All rights reserved.
BISL Limited are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Their Financial Services registration number is 308896.
You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.
What to do if you have a complaint
If you wish to make a complaint, please contact us, by phone on 0344 858 6877, or in writing to Service Quality & Assessment Manager, Fusion House, Bretton Way, Peterborough, PE3 8BG.
For full details of our complaints handling process please see the section marked 'Our Service Commitment' in your main policy documentation.
We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
Travel insurance
About us – important information
Whose products are offered?
Only M&S Travel Insurance which is underwritten by Aviva Insurance Limited.
What service is provided?
You will not receive any advice or recommendation about M&S Travel Insurance. You will need to make your own choice about how to proceed.
Who are we regulated by?
M&S Insurance is a trading name of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ. © HSBC Group 2026. All rights reserved.
Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Their Financial Services Registration number is 202153.
You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.
What to do if you have a complaint
If you have a complaint, it should be addressed to the Customer Services team on 0800 056 3394. Alternatively you may write to M&S Travel Insurance Customer Care Team, Customer Service Centre, PO Box 7463, Perth, PH2 0YZ.
Please provide your policy number or claim number in any correspondence.
If you are not satisfied, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
Pet insurance
About Us – Important Information
Whose products are offered?
Only M&S Pet Insurance which is underwritten by Royal & Sun Alliance Insurance Ltd.
What service is provided?
You will not receive any advice or recommendation about M&S Pet Insurance. You will need to make your own choice about how to proceed.
Who are we regulated by?
M&S Insurance is a trading name of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ. © HSBC Group 2026. All rights reserved.
Royal & Sun Alliance Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Royal & Sun Alliance Insurance Ltd registered in England and Wales No.93792. Registered Office: St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Their Financial Services registration number is 202323.
You can check details for both companies on the Financial Services Register by visiting the website at www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768 (freephone) or 0300 500 8082.
What to do if you have a complaint
If you have a complaint you can get in touch on 0800 980 8740. Alternatively you may write to M&S Pet Insurance, PO Box 255, Wymondham, NR14 8DP or email mandspet@uk.rsagroup.com.
Full details of addresses and contact numbers can be found within the Policy Wording. Please provide your policy number or claim number in any correspondence.
We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to the Financial Ombudsman Service.
Making a complaint will not prejudice your right to take legal proceedings.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
Save & Invest
Savings
Important Documents
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Further guidance on ISA transfers:
We subscribe to the following codes of conduct and guidance:
Industry Guidance for FCA Banking Conduct of Business Sourcebook
Marks and Spencer Unit Trust Funds
M&S Savings and Investments is a trading name of Marks and Spencer Unit Trust Management Limited. Registered in England and Wales No. 2253009. Registered office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Conduct Authority. A wholly owned subsidiary of HSBC Bank plc. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under licence. © Marks and Spencer Unit Trust Management Limited 2013. All rights reserved. Marks and Spencer Unit Trust Management Limited is entered in the Financial Services Register. Registration No.141662.
As with any investment where the underlying investments are shares and bonds, the price of units and the income from them can go down as well as up, and you may get back less than the amount originally invested. Investment in the Fund should be considered a medium to long term investment (5 years or more).
Past performance is no guarantee of future performance.
The performance of the Fund will depend on the investments selected by the fund advisers.
If you apply to invest in the Fund following investment advice, you will have the right to cancel your application. If you exercise the right to cancel, the amount returned may be less than the amount you invested if there has been a downward movement in the stock market from the date of investment to the date your instruction to cancel was received.
Inflation will reduce what you could buy in the future.
The regulatory and taxation regime under which the Fund operates may change in the future.
Worldwide Managed Fund
The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.
As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.
Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
A small part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.
UK Selection Portfolio
The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.
The Fund will hold investments in smaller companies where the share prices can change significantly, and the shares can be difficult to buy and sell.
As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held in the Fund.
If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
UK100 Companies Fund
The Fund invests in shares. Share prices go up or down, meaning you may get back less than you invested.
Although your investment is spread across the 100 companies that make up the FTSE® 100 Index, some companies and/or sectors can grow so large that they make up a large percentage of the index which increases risk.
The Fund will not track the FTSE® 100 Index exactly. In other words there will be a difference between the performance of the Fund and the FTSE® 100 Index.
High Income Fund
The fund invests in bonds. Bond prices go up or down, meaning you may get back less than you invested.
Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.
Part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.
The annual management charge is deducted from capital. This may reduce the potential for growth and there may be times when the charge is greater than the growth of the Fund.
Important Documents
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Acknowledgements
FTSE® is a trademark of the London Stock Exchange plc and The Financial Times Limited and is used by FTSE® International Limited (FTSE®) under licence. The FTSE® indices are calculated by FTSE® and all rights in and to these indices vest in FTSE® and its licensors. FTSE® does not sponsor, endorse or promote our products.