Home Insurance Questions

Yes. Our policies are flexible so you can mix and match to suit your needs.

This is the first part of any claim that you will be expected to pay in the event of a claim and it may vary depending on the type of policy. The more excess you accept, the better value the policy. In both Premier and Standard policies, the excess is banded, starting at £0 and moving up to £1,000. However, there is also a compulsory subsidence excess of £1,000.

Yes. We have designed both insurance policies to be very simple with exclusions kept to a minimum. As part of Marks & Spencer Money, we aim for integrity, honesty and reliability in all our communications with you.

Yes. Both policies meet the standards set by mortgage lenders who have a stake in ensuring your home is fully protected against accidents and damage.

Yes and if the lender wants to charge you an "administration fee", we will give you vouchers up to the value of the transfer fee, with a maximum of £40.

There are no forms to fill in. Call 0800 111 4901, a 24-hour service and our trained operators will aim to help and give emergency advice.

You can choose how your claim is settled. We can repair your goods, replace with new goods, or pay out a sum equal to the cost to us of the repair or replacement. For 10% extra value, you can have your claim settled in Marks & Spencer Gift Vouchers.

Most home and contents policies either ask you to state the total rebuilding cost of your home and the total value of your contents, or they set an upper limit. In the event of a claim these values act as maximum limits so you may be underinsured and therefore not receive the full value of your claim. Also if you overstate your values by mistake, you will pay too much premium. We do not have these limits, apart from liability and cash cover, and therefore you cannot be underinsured.

Home insurance policies generally have limits on particular types of items such as freezer contents, bicycles and belongings in the garden, outbuildings or cars. The only inner limits on our policy are £500 for cash, £2m for property owners and personal liability, £10m for domestic employees liability and £40,000 for tenants liability

Yes, with our Premier Contents policy, students belongings are covered at university or college. Dependent relatives are also covered if their belongings are in a nursing home. Moreover, Marks & Spencer purchases are also protected while you take them home.

Also on both our Premier and Standard policies you can choose to include Contents Away From Home. This would cover all of your belongings on a worldwide basis.

Simply complete your details on our secure quote and buy system, or call us on 0800 068 2742.

In some cases we will need additional information to make sure any policy is issued correctly and meets your needs. If you do not qualify for an internet quote we may still be able to help you if you call us on 0800 068 2742.

Yes. Call 0800 068 2742 to confirm your new address details and the moving date.

It may be possible to cover both properties until one is sold, but some restrictions may apply when a house is unoccupied or unfurnished. A charge will apply whilst both homes are insured. Please call 0800 068 2742 for more details.

Exclusions are circumstances where your cover is not provided under the terms of the policy. You can find further details on exclusions in the policy booklet.

No. Most exclusions refer to a very unusual series of events or rely on common sense. For instance, you wouldn't expect to be paid if your belongings were damaged as a result of everyday wear and tear. Also you may need more specialised insurance for some belongings such as motor insurance for your car.

Sorry, if you let or sub-let the whole property or part of it, you aren't covered - unless you have our agreement in writing. Please contact us on 0800 068 2742 to discuss your particular circumstances.

Yes, and you do not need to specially mention a bicycle unless it is valued at £4000 or more.

The Contents section will cover your bicycles when it is in your home, an outbuilding or in your garden. The Cover Away From Home section of the policy will provide worldwide cover when they are temporarily removed from your home, including being taken abroad.

Yes. We do not offer a separate insurance solely for diving equipment however, if you are only using it as part of a hobby and are not being paid as an instructor this would be insured under Contents and Contents Away From Home.

If you are being paid to be an instructor and/or it is part of your job, we would not offer cover and you would need to seek business insurance for your equipment.

You must tell us if your home will not be lived in by anyone for more than 30 consecutive days, we will then advise you if we are able to maintain cover.

We cannot provide an internet quotation for a property that is unoccupied, please contact us on 0800 068 2742 to discuss your particular circumstances.