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Alternative accommodation As part of your cover, you.ll be given somewhere to stay if your home is uninhabitable after serious damage.

Pay by monthly instalments - at no extra cost You can spread the cost of your home insurance over 11 months. You'll pay by Direct Debit - and they won't charge you more to do this.

Extra protection If you add home emergency cover to your policy, you'll have extra protection against household emergencies such as plumbing problems caused by leaking pipes or your boiler breaking down. You can also add legal expenses cover worth up to £50,000.

M&S points If you've got a Marks & Spencer Card you'll receive 1,000 M&S points* when you take out a new Marks & Spencer Home Insurance policy (excludes renewals).

*M&S Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. Loyalty points are only available when the main cardholder is the policyholder.

Marks & Spencer Bank have carefully selected AXA Insurance UK plc to underwrite this quality home insurance. Terms, conditions, exclusions and limitations apply.

M&S Home Insurance could be the perfect fit for your home. Just as you have come to rely on Marks & Spencer to deliver quality throughout your home, you can trust them to protect it too with their straightforward M&S Home Insurance. You can also rely on them to deal with a claim quickly and fairly.

Benefits Two cover options - premier or standard - Save 20% when you buy online (Subject to minimum premiums. Not available to customers renewing their existing cover and excludes optional extras) - New for old cover on all replaced contents - No additional charge to pay monthly by Direct Debit - Marks & Spencer Cardholders receive 1,000 M&S points for new policies (not available to customers renewing their existing cover)*

*Marks & Spencer Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. Loyalty points are only available when the main cardholder is the policyholder.

M&S Bank have carefully selected AXA Insurance UK plc to underwrite this quality home insurance. Terms, conditions, exclusions and limitations apply.

Marks & Spencer Home Insurance could be the perfect fit for your home. Just as you have come to rely on M&S to deliver quality throughout your home, you can trust them to protect it too with their straightforward Marks & Spencer Home Insurance. You can also rely on them to deal with a claim quickly and fairly.

M&S Bank have carefully selected AXA Insurance UK plc to underwrite this quality home insurance. Terms, conditions, exclusions and limitations apply.

Extra discounts
If you.re a new customer, you.ll save 20% when you buy Marks & Spencer Home Insurance online (excludes renewals and optional extras, subject to minimum premiums). Plus you.ll get a no claims discount (which you can protect) if you.ve had home insurance for at least a year, as long as you haven.t made a claim in the previous policy year.

Green benefits at no extra cost With M&S Home Insurance, you.re not just taking care of your own environment. If you need to claim for a washing machine, tumble drier, fridge freezer or dishwasher, they.ll replace it with a "A" rated energy-efficient new model, whenever possible. And if your home should need rebuilding, they.ll make sure work is carried out to level 4 of the Code for Sustainable Homes. (The code uses an 1-6 rating, 6 being the highest.

Premier or standard? Premier cover gives you more protection for your home and contents, including full accidental damage cover. Standard cover has lower policy limits and accidental damage cover to only basic items such as window glass, TVs, video and audio equipment, but you can choose to include full accidental damage cover.

Change your excess Normal excess is £100 for buildings (the excess for subsidence, heave or landslip is £1,000) and £100 for contents. You can reduce your premium by increasing your excess. Or you can reduce (or remove) your excess - if you do this, your premium will be higher.

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