M S CAR INSURANCE
Up to 15% cardholder discount online Footnote 1 *
- Uninsured driver protection Footnote 2 ** so you’re not out of pocket if you’re hit by a driver without insurance
- Premier or standard – choose the cover that’s right for you
Arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
Features and benefits
Save up to 15% when you buy online
M S Bank cardholders could save up to 15% when taking out a new car insurance policy and when renewing existing cover. Footnote 3 *
Guaranteed replacement car with premier cover
If you can’t drive your car after an accident, fire or theft, we’ll give you a hire car for up to 28 days (subject to eligibility), and then a courtesy car after that if required (subject to availability).
Guaranteed replacement car cover options can be added to standard policies.
Uninsured driver protection
It is reassuring to know that you can recover your excess even if you’re hit by an uninsured driver.
Full details of vehicles involved required.
Personal claims manager
If you need to make a claim, you’ll be appointed your own personal claims manager. They’ll act as your main point of contact throughout. And they’ll keep you informed of the progress of your claim from start to finish.
100,000 legal protection with premier cover
Reassuringly, if you should ever need to go to court to recover losses that aren’t covered by your policy, your legal fees will be taken care of, up to a limit of 100,000.
Breakdown cover included with premier cover
RAC European and UK breakdown cover is included, covering you even if you’re a passenger in another car. Optional levels of breakdown cover can be added to standard policies (covers your vehicle only).
Going on holiday? With M S Car Insurance you can take your car anywhere in the European Union for up to 90 days in any single cover period.
Personal accident cover – for peace of mind
If you or your spouse is injured in a car accident, you could claim up to 10,000 (comprehensive cover only).
High quality repairs
If your car is damaged and you need to make a claim, we’ll arrange for it to go to one of our nationwide approved repair centres. As you’d expect, the work will be carried out to our high standards – we’ll even provide a 3 year guarantee.
Footnote 1 * All M S Bank cardholders qualified for a discount between June and August 2017, with 37% qualifying for a 15% discount.
You will need to be a named driver on the policy with your address matching the motor policy address. The discount will be applied automatically to the net premium only, excluding any add-on products or charges, so the price presented at the end of the quote will be inclusive of the discount. Not available to customers amending an existing M S Car Insurance policy. We reserve the right to withdraw or amend this offer without notice.
Footnote 2 ** Full details of vehicles involved required
Existing car insurance customer
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How do I make a claim?
If you need to make a claim, you should call 0344 412 2160 as soon as possible. The Claims team is here to help you 24 hours a day, 365 days a year. Make sure you’ve got your policy number to hand when you call.
Can someone else drive my car for a short period?
Your policy only covers the named drivers listed in section 5 of your Certificate of Motor Insurance. If anyone else drives your car, including members of your family or someone living with you, your car won’t be covered. If you want to let someone else drive your car for a short period, you can add them to your policy as a temporary driver for up to 14 days. To extend this period, you can add the same person as a temporary driver again. You can do this up to three times before you have to include them as a named driver on your policy.
Even if your policy only covers you for private use and commuting, a temporary driver can also be covered for business use, as long as this is linked to the main driver’s business. The minimum premium to add a temporary driver to your policy is currently 10 for each 14 day period. An administration fee may also apply in addition to this premium. To add a temporary driver, call the Customer Services team on 0344 412 2157 . Lines are open 8am 9pm Monday to Friday, 9am 8pm Saturday, 10am 4pm Sunday and 9am 5pm bank holidays. Please have your policy details to hand when you call.
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Premier or standard car insurance cover?
Choose the right cover for you
With premier cover you get additional benefits worth over 390 Footnote 4
- European and UK breakdown cover, worth 347.95 Footnote 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 30.63 Footnote 4 .
- Up to 100,000 motor legal protection to help you claim for uninsured losses, worth 26.29 Footnote 4 .
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.
- 3 years 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.