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 Car 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; Car Insurance and Buildings & Contents 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 Buildings & Contents 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.

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from M&S are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spencers a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Financial Services Buildings & Contents Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Financial Services Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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 & Spensers 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 & Spencers, 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 Car Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Cotton Rich Cropped Jogging Bottoms, at Mark's & Spencer
With added stretch for essential ease of movement, these comfy and practical cotton rich cropped jogging bottoms are great for workouts or stylish relaxation

Drift Away CD, at Mark & Spencers
Album, Marks & Spencer

Body Formula Salt Scrub, at Mark's & Spencer
250g Fragranced

Sleeveless Shadow Floral Print Dress with Bolero, at Mark & Spencers
Feminine and pretty, this sleeveless tie neck dress features a floral print and comes with a bolero. A fabulous fashionable look

Faux Silk Pencil Pleat Curtains, at Marks & Spencers
Faux silk effect fabric Pencil pleat Lined Plain Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Crinkle Coin Purse, at Marks and Spencers
Flash your cash in style! Fashionable and functional, this coin purse features a crinkled faux leather texture

Ingredients Fig Shower Cream, at Marks and Spenser
Fig scented 200ml

Autograph Essentials Sleeveless Jersey Dress, at Marks and Spencers
Beautifully designed and luxurious, this exclusive wrap dress is detailed with rouched sleeve. A stunningly glamorous style statement, perfect for elegant occasions

Radcot Headboard, at Marks and Spencer
Headboard H132.5cm Dbl: W158.5cm 5ft: W173.5cm 6ft: W203.5cm Made from solid oak Supplied with all fittings Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Fruit Basket, at M+S
A seasonal selection of high quality fruit Contents may vary seasonally Presented in a wicker basket lined with fabric Basket dimensions: H110 x W350 x D285mm Price includes delivery Available for delivery from 1st April to 30th June 2009 Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Pure Cotton Crew Neck Assorted Stripe Jumper, at Marks & Spencers
Soft, snug and comfy, this knitted jumper is outstanding value. A practical easycare style

Limited Collection Peep Toe Platform Shoes, at Marks & Spensers
Peep toe Contrast strap detail Buckle fastening Platform style High heel Heel height 10.5cm Comes in sizes 3-8, including half sizes

Montepulciano d'Abruzzo Cerasuolo Rose 2008 - Case of 12, at M&S
Style: Dry Grape variety: Montepulciano d'Abruzzo Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Autograph Pure Silk Soccer Tie, at MarksandSpencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

3D Rosebud Cushion - Cream, at Marks & Spensers
L43 x W43cm 3D rose applique design Pure Cotton, Manufacturer: Marks & Spencer

Leaf Design Quilted Bedcover, at M&S
Leaf design Quilted Ruched detail L250 x W265cm, Manufacturer: Marks & Spencer

Autograph Short Sleeve Dobby Stripe Shirt, at Marks & Spensers
Casual and contemporary, this stripe shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Younger Boys' Pure Cotton Car Race Shorties, at Marks and Spencer
Fun and fashionable, these comfy pure cotton shorties feature a fun car race motif

Autograph Bone China Dinner Plate, at MarksandSpencer
Plain Diameter: 27cm, Manufacturer: Marks & Spencer

Per Una St. Ives Floral Panel Skirt, at Mark's & Spencer
A pretty knee length skirt in lightweight cotton mix fabric featuring a floral print and flared design

Organic Cotton Erin Eco Shopper, at Marks and Spencer
Shop greener by using this organic cotton shopper instead of plastic carriers. The portrait of model Erin O'Connor was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Wide Stripe Shorts, at Marks and Spencer
Sleek, simple and stylish, these soft stretchy shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and shorts style give a modern, shapely look. Designed for a streamlined silhouette

Pure Highway In-Car DAB Radio, at Marks and Spencer
20 DAB station presets ReVu™ to pause and skip back through live DAB radio quickSCAN to find free FM transmission frequencies Easy to install. No expertise required as Highway sends DAB Digital Radio directly to your car stereo via its FM transmitter Play your iPod or MP3 player through your car stereo Highway can be taken out of the car at the end of a journey and used as a personal DAB radio. (Requires two AA batteries and headphones - not included) Controls: Tune, Select, Lock, Menu, Play/Pause, Rewind, quickSCAN, 4 dedicated one-touch presets, 1 combined preset 4 FM transmit presets for instant tuning Magnetic flexible windscreen mount makes it easy to remove highway from the vehicle Add new features as they become available via USB Option to connect to your car stereo's auxiliary connector (if available) DAB scrolling text Green backlit LCD display with 16 x 2 characters Dimensions: W122 x H70 x D29mm Weight: 156g Aerial: High-sensitivity adhesive windscreen mount aerial. Battery power supply: 2 x AA batteries (not supplied) provide power adapter. 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 This product is not available for international delivery. Find out more

Handbag Mug, Tray & Coaster Gift Set, at Mark & Spensers
Contains: 1 mug, 1 coaster, 1 tray Handbag design Mug height: 10.5cm Coaster dimensions: 10.5 x 10.5cm Tray dimensions: L21 x W14 x D1.5cm, Manufacturer: Marks & Spencer

Portfolio Faux Pearl Necklace, at Marks & Spensers
Choker style Tie fastening Adjustable length Faux pearl design Ribbon necklace Necklace length 32cm

Perfect Portfolio Almond Toe Court Shoes, at Marks and Spencers
Almond toe Buckle fastening Cut out feature High heel Heel height: 85mm Comes in sizes 3-8, including half sizes

Johnny Cash - The Legend CD, at Marks & Spencers
Album, Marks & Spencer

Per Una Pleat Detail Bowler Bag with Corsage, at Mark & Spensers
Pleat detail and rose corsage makes this fashionable bag even more special. Give your look the Per Una twist!

Ribbed Peak Hat with Wool, at Marks and Spencer
Keep ahead of the trends with this glamorous ribbed peak hat. The perfect finishing touch to stylish winter outfits

Per Una Pure Cotton Cropped Pyjamas, at Marks & Spencer
Modern and feminine, these pretty cropped pyjamas are made from pure cotton, so you can relax in comfort and style. Part of Per Una's sleepwear collection

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer 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 Car Insurance, M&S Buildings & Contents 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 M & S, 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.