Premier or standard cover?
With premier home insurance from M&S, you get extensive protection – including cover for:
- any accidental damage – from paint spills on the carpet to knocking a nail through a pipe
- storm damage to gates and fences
- accidental damage to freezer contents
- visitors' belongings
- students' possessions – when your children are at university or college
- a dependent relative's possessions – when they're in a residential care home.
Compare premier and standard cover:
Buildings Insurance cover
| Buildings features |
Premier |
Standard |
| Sums insured |
Unlimited – except for legal liability |
Unlimited – except for legal liability |
| Accidental damage |
Unlimited for all parts of the building |
Unlimited for ceramic hobs in fitted units, sanitary fittings and fixed window glass in doors, fanlights and skylights |
| Alternative accommodation |
Unlimited |
Unlimited |
| Fences and gates |
Unlimited |
Unlimited – excludes storm and flood damage |
| Underground service pipes and cables |
Unlimited for accidental damage and blockages |
Unlimited for accidental damage – excludes blockages |
| Legal liability as a homeowner |
£2 million |
£2 million |
| Home emergency cover |
Optional – we will arrange for an approved contractor to carry out emergency repair, or permanent repair (if it is a similar price) up to a maximum of £1,000 |
Optional – we will arrange for an approved contractor to carry out emergency repair, or permanent repair (if it is a similar price) up to a maximum of £1,000 |
| Legal expenses |
Optional – up to £50,000 |
Optional – up to £50,000 |
Contents Insurance cover
| Contents features |
Premier |
Standard |
| Sums insured |
Unlimited – limits apply to money and liability |
Unlimited – limits apply to money and liability |
| Accidental damage |
Unlimited for all contents |
Unlimited for: TV, video, audio, Computer equipment (excluding portable items), mirrors, fixed glass in and glass tops of furniture, ceramic hobs and ceramic tops of cookers and glass oven doors |
| Fraudulent use of credit cards |
Unlimited |
Unlimited |
| Money |
£500 |
£500 |
| Office equipment at home |
Unlimited |
Unlimited |
| Freezer contents |
Unlimited |
Unlimited – except for accidental damage |
| Loss/theft of goods in transit from M&S to your home |
Unlimited |
Optional – as part of contents away from home cover |
| Dependent relatives’ possessions – when they’re in a residential care home |
Unlimited |
Not covered |
| Students’ possessions at college or university |
Unlimited |
Optional – as part of contents away from home cover |
| Replacement locks and keys |
Unlimited |
Unlimited |
| Personal liability |
£2 million |
£2 million |
| Domestic employees’ liability |
£10 million |
£10 million |
| Tenants’ liability |
£40,000 |
£40,000 |
| Contents away from home |
Optional |
Optional |
| Alternative accommodation |
Unlimited |
Unlimited |
| Household removals |
Unlimited |
Unlimited |
| Title deeds reinstatement |
Unlimited |
Unlimited |
| Home emergency cover |
Optional |
Optional |
| Legal expenses |
Optional – up to £50,000 |
Optional – up to £50,000 |
