How to make a claim with Marks and Spencer Car Insurance


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

If you have a Marks and Spencer car insurance policy you would normally get in touch with the Marks and Spencer car accident claims line following your accident. For independent advice and assistance with car accident claims call 0330 058 1704 and we will be happy to help.

If you have been unfortunate enough to be involved in a road accident, it can be frustrating to be informed that you may still have to pay the excess on your policy even if the accident was not your fault.

We and our partners help thousands of drivers every year make claims independently of their insurers. This enables our customers to not only get the assistance that they need, but it also means it is not usually necessary to make a claim on their own insurance policies.

Making your accident claim in this way has several advantages. As you are not claiming on your own policy you will almost certainly have no excess to pay and your accident claim should not affect your renewal premium.

In addition to this, we are not bound by the limitations of your insurance policy. This means we may be able to offer you services such as a like-for-like replacement vehicle, which may not be available on your policy.

Our complete range of services includes:

  • A like-for-like replacement for your un-roadworthy vehicle

  • Your replacement vehicle is delivered to your home or place of work typically within 3 hours of beginning your claim

  • Guaranteed repairs to your vehicle at an approved accident repair centre

  • Repairs to your vehicle can alternatively be carried out at a repairer of your own choice

  • Legal assistance with your accident related issues

  • Costs associated with your claim are recovered directly from the at-fault drivers insurer

  • 24/7 support and advice with your accident claim


If you would like to find out more about our services, simply call 0330 058 1704 and we will be happy to help, or alternatively complete the short form on this page and we will call you back.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury