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Premier
or standard car insurance cover?

Choose the right cover for you

Premier cover

With premier cover you get additional benefits worth over £400Footnote 4††

These include:

  • European and UK breakdown cover, worth £388.86Footnote 4††. As it covers you, not just your vehicle, we’ll
    keep you on the road even if you’re a passenger in another car.
  • Use of a guaranteed replacement car for up to 28 days after an accident, fire or theft (subject to
    eligibility) worth £30.09Footnote 4††.
  • Up to £100,000 motor legal protection to help you claim for uninsured losses, worth £26.29Footnote 4††.

Standard cover

If you don’t need all these benefits, you can keep the cost of your insurance down by choosing standard cover
which comes with:

  • Uninsured driver protection – so you’re covered if you’re hit by someone else without insurance. You
    will need to provide a minimum of the make, model, and registration number of the vehicle involved, and the
    driver’s details.
  • 3 year guarantee on repairs carried out by our approved repairers.
  • Child seat cover – replacement child seat (up to £150) after an accident.
  • £200 personal belongings cover.

You can also add some of the benefits included with premier as optional extras. In some instances it could cost
you less to upgrade to premier.

Compare comprehensive premier and standard cover














Cover benefits Premier cover Standard cover
Breakdown cover Included – European and UK cover. Also covers you as a passenger in another car. Optional – four levels available covering your vehicle only.
Uninsured driver protection Included Included
Motor legal protection Included Optional
Guaranteed replacement car – subject to eligibility Included – 28 days Optional – 14, 21 or 28 days
Courtesy car – subject to availability Included Included
European travel – unlimited trips up to 90 days per cover period Included Included
Loss, theft, damage and destruction of vehicle Included Included
Loss, theft, damage to personal property in vehicle Included Included
Personal accident cover for you and your spouse – up to £10,000 Included Included
Child seat cover up to £150 Included Included
Approved repairs guaranteed for 3 years Included Included
Claims line with personal claims manager Included Included

Footnote 4††[4][5][6][7] Motor legal protection is £26.29 and guaranteed replacement car is £30.09 based on 28 days, costs based on the add-on prices for M&S Car Insurance Standard Cover. Breakdown cover is provided by RAC for M&S Car Insurance customers, the equivalent cover is not available directly from rac.co.uk. The cost of the equivalent breakdown cover with the AA is £343.66 (this price is based on single personal level UK breakdown cover for £204.06 and all zones European breakdown cover of £139.60 based on a Mini Clubman 2016, manual, diesel). All prices obtained 03 September 2019. Terms, conditions, exclusions and limitations apply and a copy of the full policy wording and complaints procedure is available on request.

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