Are you considering Marks and Spencer for your car insurance needs? It’s crucial to know what other customers have experienced. Many have shared their thoughts, detailing various aspects of Marks and Spencer car insurance policies. From the courtesy car service to the insurer’s response times, these reviews cover it all.
You’ll find insights into the company’s breakdown cover and the level of cover provided in their policies. Personal experiences with their phone support and the process to make a claim are highlighted too. Understanding these aspects can help you make an informed decision.
Read through the detailed reviews to see if Marks and Spencer car insurance meets your expectations. Discover the real customer experiences and learn what to expect before choosing your next car insurance policy. Make an informed choice by reading through the review centre.
M&S Insurance Customer Reviews on Reviewcenter
If you’re considering Marks and Spencer for car insurance, think twice. The reviews on various platforms paint a bleak picture of their service. Many customers have reported poor customer service and an disappointing experience with Marks and Spencer car insurance.
The courtesy car service, a key feature in their insurance policies, seems to fall short of expectations. Many insured individuals have expressed frustration over delays and lack of support when they needed to make a claim. This suggests that the insurer is not as reliable as one might hope.
A common complaint among the customer reviews is the difficulty in reaching Marks and Spencer’s customer service by phone. When people need to make a claim, they often find themselves in a stressful situation.
Yet, instead of getting prompt help, they encounter long wait times and unresponsive agents. This poor customer service has led many to feel that their issues are not being taken seriously, leaving them uninsured and vulnerable when they need support the most. These problems are particularly evident in car insurance reviews on various review sites, including Review Centre.
The insurance policies offered by Marks and Spencer also seem to have significant gaps. For instance, the belongings cover, which is an essential part of comprehensive car insurance, appears to be inadequate according to several reviews.
Customers have pointed out that the promised replacement car service is often subject to availability, and often, they were left without a car for up to 28 days after an accident. The motor legal protection to help cover uninsured losses is another feature that seems unreliable, with many customers finding it challenging to claim for uninsured losses .
Furthermore, the level of cover provided by Marks and Spencer’s insurance policies is criticized. Despite the standard cover claims to offer comprehensive benefits, many users have found these promises to be empty.
The breakdown cover, a robust part of their car insurance cover, often fails to deliver. Customers have recounted experiences where the breakdown cover did not provide the expected help, leaving them stranded. The supposed “good service” is often described as anything but, with many feeling that their comprehensive cover is a facade.
In summary, the extensive range of negative feedback on Marks and Spencer car insurance suggests that potential customers should stay away. The spencer car insurance reviews highlight many issues, from poor customer service and unfulfilled promises of a courtesy car to inadequate belongings cover and breakdown cover.
These problems state that the insurer fails to deliver on its claims, making it a risky choice for those seeking reliable car insurance. Reading customer service reviews and car insurance policies from other insurers might help others make a more informed decision and avoid the pitfalls reported by those who’ve already had negative experiences with Marks and Spencer.
Mark and Spencer Car Insurance Policy Features
Marks & Spencer offers a range of car insurance options, each tailored to meet different levels of coverage needs.
The “Standard Car Insurance” policy includes essential features like a courtesy car during repairs, coverage for uninsured drivers, and a 24-hour helpline. Notably, this policy provides a windscreen repair excess of £0.00 and a replacement excess of £75.00.
For those seeking more comprehensive coverage, the “Premier Car Insurance” enhances these offerings with unlimited audio/visual equipment replacement and a repairs guarantee for three years.
Below is a detailed table summarizing the key features and values associated with both the Standard and Premier car insurance policies provided by Marks & Spencer.
| Feature | Standard Car Insurance Value | Premier Car Insurance Value |
| Courtesy car for duration of repair | Yes | Yes |
| Uninsured driver promise | Yes | Yes |
| Cover limit for lost keys | £0.00 | £0.00 |
| 24hr helpline available | Yes | Yes |
| New car replacement | Yes | Yes |
| Courtesy car if stolen/total loss | Yes | Yes |
| Windscreen repair excess | £0.00 | £0.00 |
| Windscreen replacement excess | £75.00 | £75.00 |
| Cover limit for stolen keys | £500.00 | £500.00 |
| Cover for replacing original audio/visual equipment | Unlimited | Unlimited |
| Repairs guarantee (years) | 3 | 3 |
| Vandalism | Yes | Yes |
How to Contact M&S Insurance?
Here’s a table with all the contact information for M&S Insurance. It includes details for managing your policy, making a claim, renewing your policy, and more. You’ll find specific contact numbers, operating hours, and brief descriptions of each service. Remember to have your policy details ready when you call.
All Calls To M&S insurance are recorded.
| Service | Contact Number | Opening Hours | Details |
| Make a Complaint | 0344 858 6877 | 8am to 8pm Monday to Friday 8am to 6pm on Saturday 10am to 4pm on Sunday | |
| Make a Claim | 0344 412 2160 | 24/7 | If you need to make a claim, please call as soon as possible. The M&S Car Insurance claims team is available 24 hours a day, 365 days a year. |
| Renew Your Policy | 0800 107 1828 | Monday to Friday: 8am-8pm Saturday: 8am-6pm Sunday: 10am-4pm | A reminder will be sent before your current policy expires. In most cases, your cover will automatically renew, unless you’ve instructed otherwise. |
| Change Your Cover | 0344 871 2349 | – | If you would rather call to cancel or make a change to your policy, such as purchasing a new car or adding a named driver, please call the M&S Car Insurance Customer Services team. |
| Breakdown Recovery (UK) | 0330 332 8468 | – | If you have broken down in the UK and have breakdown cover with your policy, then call with your policy number and vehicle registration to hand. |
| Breakdown Recovery (Europe) | 0800 290 112* | – | If you’ve broken down in Europe. *Please replace the 00 at the beginning with 810 when in Belarus or Russia. |
| Windscreen Repair | 0330 018 3236 | 24/7 | Book an appointment online or get in touch to arrange a windscreen repair or replacement. |
| Financial Hardship | 0344 871 2349 | 8am-8pm Monday to Friday and 8am-6pm Saturday | If you think you may be unable to maintain your regular policy payments, please get in touch as soon as possible. |
Conclusion
Choosing Marks and Spencer for car insurance might not be your best move. Many customer reviews express disappointment, particularly with customer service and claim support. When assistance is most needed, responses are slow, and help is hard to reach.
The features promised, like the courtesy car and comprehensive coverage, often fall short in real-world situations. This leaves many customers feeling unprotected and dissatisfied. Breakdown cover, a critical service for any driver, is frequently reported as unreliable. Given these insights, it might be wiser to consider other insurers. Look for one that matches their promises with actual performance. Reliable support, effective claims processing, and genuine coverage are what make an insurer worth your trust. Choose wisely to avoid unnecessary stress and ensure peace of mind on the road.
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