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I'm also with M&S. Had one pay out (for a bike) with them that was super painless and really quite generous. Recommended.
Make sure when you speak to them, though, that you make it clear you want insurance for bikes away from home (as part of your contents insurance). When I did try to make a claim they said I wasn't covered for that. I told them I must be, as I had discussed the details of my plan when I originally called and signed up. They went back and listened to the recording (which was over a year old) and were able to confirm that I did ask for insurance the included my bicycle away from home.