Become a TopCashback member for cashback, deals and more free perks. Join TopCashback Free

M&S Home Insurance Cashback Offers & Discounts

Due to new regulations we can no longer offer personal cashback with some insurance retailers. Cashback can only be paid out as a charity donation which we do on your behalf. View more details.
By joining you agree to our terms & conditions and privacy policy

20,000,000 members worldwide


Our customers love us!


Thousands of
top-named brands

Terms & Conditions
  • What will stop me getting cashback?
    • All policies must be sold via the M&S website.

    • Charity Cashback cannot be redeemed if you are an existing customer renewing a policy.

    •  Charity Cashback cannot be redeemed if you don’t pay your insurance premium in full, or if paying by Direct Debit your payments are not kept up to date.

    • Charity Cashback cannot be redeemed if your application is not fully completed online or is completed over the telephone.

    • Cashback can only be paid out as a charity donation of your choice for this merchant.

    • Charity cashback cannot be redeemed if you have insured your home with M&S Home Insurance in the last 12 months.

    • If you have obtained a quote through TopCashback and purchase through any other means e.g. a price comparison website.

    • If you or the insurer cancel the policy within 90 days of your policy start date. All policies are run through extensive validation checks 90 days after the policy start date. Cashback will only be paid on valid policies. Policies will be validated between 90-120 days after your policy start date.

    • If you use the charity cashback offer in conjunction with any other offer/promotional code or cashback, including but not limited to, employee discounts, voucher codes or other promotions not included in the retailer’s listings on this website.

    • Cashback cannot be redeemed in conjunction with any other offer/promotional code or cashback, including but not limited to, employee discounts, voucher codes or other promotions not included in the retailer’s listings on this website.
    • Using a promotional/voucher code not posted and approved by TopCashback.
  • What else is essential?
    • Charity Cashback is limited to one policy per household.

    • Charity Cashback is not issued by the retailer. If you have any queries surrounding your charity cashback you must contact TopCashback directly.

    • M&S Home Insurance reserves the right to take action (including legal action) as necessary to prevent or redress any fraudulent or unlawful use of their website.

    • M&S Home Insurance reserves the right to withdraw or amend their offering at any time. Cashback offers are subject to change without notice.

    • Purchases must be completed immediately and fully online.
    • This offer is only available to residents of the United Kingdom who have purchased a valid insurance policy through M&S Home Insurance.

    • TopCashback are an Introducer Appointed Representative of Optimise Media (UK) Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance activity under firm reference number 313408

    • Customers must quote and transact directly from this website immediately in order to receive their cashback. Cashback will not be paid if a saved or retrieved quote is used. You must click the links above to generate a new quote and purchase immediately.
    • This merchant calculates cashback excluding VAT, delivery and any other charges.
    • Cashback from this merchant cannot be withdrawn by Airbnb UK e-Gift Card, AirlineGift e-Gift Card, Boots Digital e-Gift Card, British Airways Executive Club, Currys PC World e-Gift Card, eLearnGift e-Gift Card, FlystayGift e-Gift Card, Hobbycraft e-Gift Card, HotelsGift e-Gift Card, PayPal, Prezzo e-Gift Card, RentacarGift e-Gift Card, Reward Wallet (e-Gift Cards plus bonus), The Little Starts e-Gift Card, Theatre Tokens e-Gift Card, ToursGift e-Gift Card, TripGift e-Gift Card, Turtle Bay e-Gift Card, Urban e-Gift Card, Virgin e-Gift Card.
  • Good to know
    • Home insurers offering “Charity Cashback” can be identified when searching on TopCashback. When searching you will see ‘Charity Cashback’ next to the brand name.

    • Missing cashback claims cannot be submitted for this merchant.
    • Policy must be live for 90 days with 3 consecutive months’ payments from the customer before a transaction can be approved. Upon fulfilment of this criteria, M&S bank insurance will validate the sales accordingly.

    • You can still take out a policy through these insurers, but instead of earning any personal cashback in your TopCashback account, an amount will be donated to our charity partner, The Money Charity.

    • The Money Charity is the UK’s financial capability charity. They proactively provide education, information, advice, and guidance to people of all ages, helping them manage their money well and increase their financial wellbeing. Their purpose is to empower people across the UK to build the skills, knowledge, attitudes, and behaviours to make the most of their money throughout their lives.

  • What to do when
    • A "Missing Cashback" query must be submitted within 100 days of the transaction, if the transaction does not track automatically.
    • We will make all reasonable endeavors to secure the payment of commission on a transaction but we do not and cannot make any guarantee in this regard.
Please note the terms & conditions above are in addition to our general terms & conditions


About M&S Home Insurance

More about M&S Home Insurance


Give your home the protection it deserves, with M&S Home Insurance. Whether you choose our premier or standard cover, both policies are designed to take care of the things that matter most.



  • Accidental damage cover included with all premier policies. Available as an optional extra for standard cover.
  • Unlimited cover limits for your home and contents with premier cover you don’t need to guess how much it will cost to rebuild your home or how much your possessions are worth.
  • Pay monthly at no extra cost. 0% APR representative.

M&S Home Insurance is underwritten by Aviva Insurance Limited. Terms, conditions, limitations and exclusions apply.



  • How does TopCashback make money?
  • How does TopCashback work?
  • Will it cost me anything?
  • When will I actually get my cashback?