M&S Car Insurance

After car was written off by a third party, whose insurance company have paid out after admitting liability, M&S Insurance systems still show me as at fault and are increasing my premiums.

They are not interested in resolving the issue, and trying to register a complaint is a joke. The complaints telephone number directs you to the same department you are complaining about! It's laughable.

Communication has been shocking throughout, and the initial claims handler was as much use as a chocolate teapot.

You only truly find out how good a company are when you need them. I believed M&S Insurance would be excellent. How wrong I was.

You probably get what you pay for. If you need a policy to buff the police to think ypu are insured, m&s is right for you. If ypu really need to use that insurance you will find they have a very different interpretation of the English language. Although my policy clearly states I may drive any vehicle licenced to drive with the owners permission, apparently that does not include a free courtesy car supplied by a dealer whilst the car insured on the policy is serviced.

Do you have M&S car insurance? THINK TWICE, you do not really have insurance.

Confiding in their good name, I used as Insurance broker.

They assigned me to Phoenix, now changed name to Market...something!!

MS assigned me a Personal Claim manager or something like that to make sure the transaction with the underwriter went smoothly. He called me and reassured me of his assistance: very nice.

When relation with Phoenix started to go wrong I called the MS manager, he reassured me and send would get back. Did not. When I managed to get him again, rather annoyed and brusquely he kept referring me back to the underwriter. Not worth the timeor the money I wasted on the phone.

Best advice, Avoid marks for motor insurance. I used them as i thought they were reputable and i have banking services with them (they are being closed now).

Their policy was underwritten by Ageas and between the two companies they nade a complete shambles of a simple non fault claim. Each blames the other for errors or ommissions, some staff are rude, patronising and as for personal claims handlers well thats a waste of time and effort.

Call centre has regular delays, a lack of regular or agreed updates, poor service, rude staff - this is not the company thats been a good shopping name for years but a poor reflection of it that is out of its depth.

After eventually settling my non fault claim, less my policy excess that ageas dont bother claiming for marks customers and i am having to try and recover via legal assistance, i get a renewal quote at almost twice the previous premium!!

Money grabbing thiefs spins to mind, i call Marks who have no note the claims been settled non fault. They eventually get confirmation i get a call with revised premium, still mega inflated (but the best they can do), then later another call with another person and revised quote higher than the last person i spoke to!

When i query that i have been provided with a lower renewal quote than this persons now asking for she advises there are two ways they can work out the quote and she chose the higher price way, then eventually reduced it down to what the other caller offered. Not working in customers best interest but to line their pockets.

I will never use them again nor recommend, they are the worst

I took out M&S car insurance, and three months later, moved house. It cost me £25 to change my address. I moved again six months later and incurred another £25 to change the address again! A Month before the renewal, I sold the car and when I phoned to tell them, they said there would be a £50 charge to cancel the insurance. If I had just told them I didn't want to renew, there would have been no charge!

I said not to cancel it but to just cancel the renewal and she said I couldn't do that.

I was then told it was all laid out in the terms and conditions.

I took out the insurance because it seem a good deal, but a year, and £100 further on, it was a bad decision.

Interestingly, my Wife's car is insured with another company, and there have been no charges for change of address.

Moved house and decided not to renew with them ( renewal at same time) I had called previously to tell them change of address and they asked me to call back when I had decided if I was renewing with them.

When I did, I asked them for revised cover for last 8-9 days for new house and they said no, so my cover was cancelled straight away!

I have some brief advice about M&S (Motor) Insurance – don’t touch it with the proverbial bargepole. Their administration is shambolic.

I thought it was impossible for M&S (Motor) Insurance to become any more inept but I was wrong. Last year this company put me through a month of stress, which ultimately resulted in me receiving a letter of apology and financial compensation.

To cut a long story short, a number of phone calls I made in connection with a claim for a windscreen chip repair were individually logged as separate claims, instead of the ONE claim I was making. My complaints that this was totally incorrect were ignored, as were my suggestions that a simple check could be carried out with their approved windscreen repairer to verify that what I was saying was correct .This went on for a month until I finally received a letter giving me notification that my policy was being terminated (with all the problems this would create) .

With just 24 hours to go before my policy was due to be terminated, I managed to break through the wall of incompetence and get the message across, Compensation followed. However, I had a gut feeling that this incompetence would continue to haunt me, as it was plain to me that the left hand does not know what the right is doing at M&S Insurance. And I was correct. Last week, I received a text and phone calls demanding £5.67 in premiums.

This was news to me and I demanded an explanation, which was not forthcoming until a further three days of stress. I was told in a call on Saturday that M&S Insurance had made an error (well, there's a surprise) when I upgraded my policy TEN MONTHS ago after buying a higher spec car. For a short period (two weeks?) until my new, increased direct debit started in October, 2016, I had not been charged the correct premium. However, in view of the fact that the error was the fault of M&S Insurance, I was assured, and had not come to light for 10 months I would not have to pay the £5.67 (I wasn't going to, anyway !!). But, to my horror, a letter couched in confrontational language arrived later on Saturday, demanding payment for the £5.67 and threatening me with a debt collection agency.

The words used would have been applicable if I had repeated failed to make a payment but totally out or order in this case, as the mistake – 10 months ago -was entirely down to M&S Insurance and I had no knowledge of my alleged “debt” it until 48 hours previously. I was especially angry that my good name and 100 % record of paying the monthly premiums set by M&S had been smeared by words in the letter like “warning” and “debt collection agency.”

Once again, it is clear that not even basic checks were carried out before I received the original text message, the phone calls and, finally, the attached letter. Doesn’t it all have a familiar ring to it? If matters take their usual course, whoever called me on Saturday will have had no contact with whoever wrote the attached letter, and further hassle will follow.

What a shambles.. Be warned !

Be careful if considering Marks and Spencer for car insurance, after 6 months of cover with no claims ever! They refused to allow me to switch cars to a different (similar) car saying the underwriters were responsible for this rule.

these days when you change your car you cannot pass on the road tax so you need to phone DVLA and have already insured your car in order to tax it. This leaves you on the sellers doorstep with no legal right to drive your new purchase home with no insurance and no tax. You then need to open a new policy ( preferably with another company as M&S wanted a 30% increase in premium for no justifiable reason) When you have your new insurance you then need to phone the DVLA to tax the car. What a mess if you don't have a bank or credit card! It was easier to transfer the road tax automatically to the new owner.

THIS RULE STATING COVER NOT TRANSFERABLE SHOULD OF BEEN POINTED OUT TO CUSTOMER BEFORE PURCHASE

NOTE: IF YOU CANCEL YOUR POLICY BEFORE EXPIRY DATE YOU MAY BE CHARGED £50 BUT ARGUE THAT M&S ARE REFUSING TO TRANSFER AND INSIST ON WAIVING THE PENALTY FEE!

Making my 4th call to m&s insurance now chasing refund up this time. They have me a quote then when I rang back to pay it had increased by £55. They said I had the wrong figure but would go back and listen to the call ! Hours later they phone said there fault would honour original quote but I'd have to pay increased price and they would refund same day. They haven't and over a week later I'm chasing it up. No insurance documents received do phoned to check I'm covered wrong date of birth so could pass security. Changed dob guess what the premium changed again by another £60. Wrong email address taken so nothing confirmed by email either !!!stuck in yet another queue waiting for an answer 32 so far ... Terrible service not what you would expect from m&s don't use them !!!