M&S Bank review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

M&S Bank sells travel cover, with the excess starting at £0 and a cost score of 8.1. It suits older travellers inside Single trip up to 90; annual multi-trip up to 80 who want help by phone and help centre, and misses anyone needing home, motor or pet cover from the same name.

Key facts

Best for
Older travellers within Single trip up to 90; annual multi-trip up to 80 who want the excess to start at £0.
Insurance types
Travel (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Excess from
£0 (Source, checked September 26, 2026)
Cover limit
GBP 10,000,000 medical expenses per person per trip (Bronze) (Source, checked September 26, 2026)
Claims channels
Phone (Source, checked September 26, 2026)
Age range
Single trip up to 90; annual multi-trip up to 80 (Source, checked September 26, 2026)
Legal entity
Rock Insurance Services Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Official website
marksandspencer.com

Apps and profiles

Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • The policy excess starts at £0, so a claim is not reduced by a set amount first.
  • Bronze medical cover sits at GBP 10,000,000 medical expenses per person per trip (Bronze).
  • The age range runs Single trip up to 90; annual multi-trip up to 80, with seniors the main audience.

Cons

  • Support runs on phone and help centre and claims on phone, so everything goes through a call.
  • Travel is the only line under travel, so home, motor and pet cover sit elsewhere.
  • M&S Bank is a broker, so the risk sits with Rock Insurance Services Limited rather than the name you shop under.
M&S Bank

Ready to try M&S Bank?

Scored 8.9 / 10 by AssureCue.

See alternatives

Who it suits

  • Travellers inside the Single trip up to 90; annual multi-trip up to 80 age bands, with seniors the main audience.
  • Anyone who wants the excess kept at £0 on a trip policy.
  • People happy to claim by phone and handle policy changes through phone and help centre.

Who should look elsewhere

  • Euroasia Insurance, which lists auto, home and travel if you want more than the trip.
  • Good Sam Insurance Agency, whose auto, home and renters put travel beside auto, home, life, health and pet.
  • bonus.ch, which pairs travel with auto, home and life for anyone adding life, health or pet.

How M&S Bank compares

Where M&S Bank is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the M&S Bank policy cover?+

Travel is the only line, and it is listed under travel. On the Bronze tier, medical expenses are capped at GBP 10,000,000 medical expenses per person per trip (Bronze). The age range is Single trip up to 90; annual multi-trip up to 80, and both a single trip and an annual multi-trip option are offered.

What is the excess on a claim?+

The excess starts at £0, and claims are handled on phone. That starting point is the amount a settlement would first be reduced by, so read the policy wording before relying on it.

Who actually underwrites the cover?+

M&S Bank is a broker, so the policy is placed with an insurer rather than carried by the shopfront name. Rock Insurance Services Limited is named as the legal entity on the quote, and the head office sits in the United Kingdom.

How are claims made?+

Claims run on phone, and policy help sits on phone and help centre. Both are listed for the UK service, so a missed trip or a medical bill abroad is dealt with by call.

Who is the policy written for?+

The audience is seniors. The age range runs Single trip up to 90; annual multi-trip up to 80, so the single trip tier and the annual multi-trip tier cap the age of the main traveller at different points.

How is support offered?+

Policy queries run on phone and help centre, and claims on phone. A written answer is not listed, so a traveller abroad is likely to pick up the phone for a change or a claim.

Can I get home, motor or pet cover from the same name?+

Only one line is listed, and it is travel, under travel. Euroasia Insurance lists auto, home and travel and Good Sam Insurance Agency lists auto, home and renters, so either could hold more of your policies.

How do its prices compare with the rest of the market?+

Across the site, the median travel premium is €7.93, with a lower quartile of €2.28 and an upper quartile of €45.91. M&S Bank scores 8.1 on cost and the policy is aimed at seniors.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

M&S Bank

M&S Bank

Older travellers within Single trip up to 90; annual multi-trip up to 80 who want the excess to start at £0.

8.9/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings