M&S Financial Services Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Household Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Household Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

When you're shopping at M&S online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Mark & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Artificial Orchid in Cylinder Glass Vase, at Marks and Spencer
Artificial Orchid Cylinder Glass Vase Height: 76.5cm, Manufacturer: Marks & Spencer

125 Years Luxury Pure Wool Flat Front Trousers, at Mark's & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Large Rose & Lily Bouquet Bundle with 50% Extra Roses Free, at Mark & Spencers
Receive 50% extra roses free on orders until 22nd August 2009 An elegant combination of stunning oriental lilies, roses, sweet akito with red top cordyline with 50% more blooms than the Rose and Lily bouquet. A vase and free 310g luxury Belgian chocolates make this an extra special giftAvailable for delivery between 1st April to 30th September 2009

Stripe Hipster Bikini Bottoms, at M & S
Smooth and sleek, these fashionable bikini bottoms feature a striking print. Make a splash!

Pure Cotton Quick Iron Stripe Shirt, at Marks and Spenser
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Wood Photo Frame with Mount 20 x 25cm (8 x 10"), at Marks and Spencer
Plain photoframe Removeable mount card Aperture: 8 x 10'' H38 x W33cm, Manufacturer: Marks & Spencer

Girls' Limited Cotton Rich Stirrup Leggings, at Mark's & Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Shimmer Butterfly Jewellery Box, at Marks & Spencer
This sparkling box makes a great gift for someone special, or why not treat yourself?

Pure Cotton Floral Print Knee Length Skirt, at M&S
Smart and modern, this pure cotton skirt is a look you'll love. Stylish, practical and fashionable

2 Lichfield Vertical Slat-Back Chairs, at MarksandSpencer
H102 x W46 x D60cm Seat: H50cm Leather seat pad Sold as a pair Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Standard Outdoor Barrel, at Marks & Spencer
This square wooden barrel is packed with marguerite, elwoodi, petunia and hedera. A charming planter, ideal for brightening gardens, courtyards or patios Available for delivery from 28th April to 30th September 2009

Water Resistant Analogue Watch, at M&S
Water resistant Resilient strap Analogue

3 Pairs of Plain Cotton Rich Socks, at Marks and Spenser
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

3 Pack Round Neck T-Shirts, at Marks & Spencer
Stock up on essential t-shirts with this great value multipack in soft, comfortable cotton. Practical and easycare, they're a great choice for casualwear and for PE

High Impact Non-Wired Sports Bra, at Marks and Spencers
Offering the superior support and control you need for those high energy workouts. This high impact sports bra sets the pace for essential comfort, thanks to an easycare fabric and the shape retaining qualities of added stretch.

3/4 Sleeve Stripe Print Shirt, at M&S
This outstanding value 3/4 length sleeve shirt makes a stylish addition to your wardrobe. A great fashion choice for everyday wear

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Black, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Shell Bloom Necklace, at Marks and Spenser
Clasp fastening Adjustable length Fabric strap Shell flower with turquoise gemstone centre Necklace lengths: 41cm, extendable by 5cm

Contemporary Text 60th Birthday Card, at Marks & Spencer
Approx. size: 215 x 150mm Cover text: 60 years young! Inside message: Happy birthday

Pointelle Thermal Crochet Trim Vest, at Marks & Spenser
Indulge in soft, warm comfort with this thermal easy to wear knitted vest. Perfect for adding a snug extra layer to your outfits during the winter months

Côte Rôtie 2006 - Case of 6, at Marks and Spenser
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Silhouette Couple Engagement Card, at Marks and Spenser
Cover text: On Your Engagement Inside message: Blank for your own message Approx size: 150 x 150mm

Autograph Essentials Wool Rich Deep Waistband Skirt, at Marks and Spencer
Luxurious and timeless, this smartly tailored pencil skirt is part of our exclusive Autograph Essentials range

Portfolio Abstract Print Skirt, at Marks and Spenser
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Yellow Classic Rose Cake, at Marks & Spenser
36 portions Fruit cake: Vine fruits, nuts and cherries laced with brandy. Cake weight: 2.7kg. Fruit cakes can be eaten up to 14 days after collection Sponge cake: all-butter sponge filled with buttercream and raspberry jam. Cake weight: 1.7kg. Sponge cakes can be eaten up to 5 days after collection Cake size: 20.5 x 20.5cm Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 68 in the food to order brochure Available for collection in the majority of our UK mainland stores

Stain Defence™ & Stormwear™ Pleated School Skirt, at Marks & Spensers
This innovative skirt is treated with Stain Defence™ and Stormwear™ finishes which help repel water and everyday stains. The adjustable waist gives a perfectly comfortable fit for longer. Permanent pleats keep it looking smart

8mm Ball Stud Earrings, at Marks & Spencer
Ball design Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

North Coast Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencers
Stylishly smart casual, this long sleeve stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Summer Dawn Bouquet, at M & S
Celebrate the arrival of warmer days with this beautiful summer dawn bouquet. It features four Vendela roses, three lilac Trachelium and five Prado Carnations Available for delivery from 1st April to 30th September 2009

Blue Harbour Luxury Herringbone Jeans, at Mark's & Spencer
These luxury jeans have a crease resist and anti-fade finish so even the darker colours stay true for longer. With added comfort stretch you will stay smart and comfortable all day long

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S Household Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks&Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.