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M&S HOME INSURANCE

Claims and Policy Support

This page applies to M&S Insurance policies provided by Uinsure Ltd. This includes policies purchased after 29 Jun 2026 with a policy number starting with UINH.

Are you at the right place?

If you first purchased your policy before 30 Sep 2025, or your policy number starts with MHO, follow the link below for claims and policy support

Go to your policy

Make a claim

The claims team are here to help you make a new claim or talk about an existing one. Please have the following information ready:

Your policy number and your underwriter.
Detailed information about the incident
If it’s theft you’re claiming for, you’ll need a crime reference number from the police

Home insurance claims

Home Insurance claims

Monday to Saturday 09:00-17:00
Advice helpline, 24/7

Home emergency cover claims

24 hours a day, 7 days a week

Family legal protection cover claims

Monday to Friday 09:00-17:00
Advice helpline, 24/7

FAQs

What do I do if there’s an emergency during the night?

Our helplines are open 365 days a year, 24 hours a day, so someone will be here to help whenever you call M&S Home Insurance team at Uinsure:

You can submit a claim by calling us on 0161 524 4930 (claims are available 9am to 5pm, Monday to Friday, but the advice helpline is available 24 hours a day, every day of the year, and can be accessed through the same phone number).

For Home emergency claims please contact 0161 524 1770 (available 24 hours a day and every day of the year).

For Family legal protection claims please contact 0161 524 9517 (claims are available 9am to 5pm, Monday to Friday, but the advice helpline is available 24 hours a day, every day of the year, and can be accessed through the same phone number).

Where can I find out who’s my underwriter?

Check your welcome pack or latest renewal pack. If you have auto-renewed, your insurer may have changed to give you the best price.

If you can’t find your underwriter, call M&S Home Insurance team at Uinsure on 0161 524 6748 for assistance.

What is the process for automatic renewals?

For your convenience and protection we will write to you in good time before the end of the period of insurance confirming next year’s premium, any changes to your policy and whether you need to contact the M&S Home Insurance team at Uinsure to complete your renewal.

We may annually review your policy, including your renewal price, and will write to you prior to your renewal date, confirming any change in your policy terms and conditions. In the event that we are unable to offer you a renewal price, we will write to you at least 21 days before the policy expiry date confirming what action you have to take.

To opt out of automatic renewal, call 0161 524 6748 or email contact@insurancehome.marksandspencer.com

We recommend a minimum of 30 days before your renewal date.

How can I stop my annual policy being automatically renewed?

For your continued protection and to ensure that you are fully insured at all times, your home insurance policy will automatically renew each year, unless you have specifically opted out.

To opt out, call 0161 524 6748 or email contact@insurancehome.marksandspencer.com

We recommend a minimum of 30 days before your renewal date.

How do I make a complaint?

Should there ever be an occasion where you need to complain, we will sort this out as quickly and fairly as possible. The process for making a complaint will depend on when you took out your policy.

If you took out cover after 29 Jun 2026, please call 0161 524 3777 or you can email M&S Home Insurance team at Uinsure at contact@insurancehome.marksandspencer.com

If you took out a policy before 30 Sep 2025 please follow this link for support.

When you submit a complaint please be sure to provide plenty of detail so that our team can offer as much assistance as possible.

See all the FAQs

Contact

Email

contact@insurancehome.marksandspencer.com

Call

UK: 0161 524 6748

Policy documents

M&S Home Insurance Product Information Document

Home Emergency Cover Product Information Document

Buildings Cover Product Information Document

Family Legal Protection Cover Product Information Document

Contents Cover Product Information Document

Policy Wording

Terms & Conditions

Marks and Spencer plc is an Introducer Appointed Representative of Uinsure Limited.M&S Home Insurance is provided by Uinsure Limited, which is registered in England and Wales with company number 06046870 with a registered office at XYZ Building (1st Floor) 2 Hardman Boulevard, Manchester M3 3AQ. Uinsure Limited is authorised and regulated by the Financial Conduct Authority and is registered on the Financial Services Register under number 463689.Marks and Spencer plc receives a commission from Uinsure Ltd for each M&S Home insurance policy sold. This commission is a percentage of the premium you pay and is included in the total amount. At M&S your privacy is important to us. View our Privacy Notice here.

View the policy documents and important information here.