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 Property 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 Property 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 Marks & Spencers 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 Property Insurance and Motor Insurance, there's a lot more going on at Mark's & Spencer 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."

M&S Financial Services offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M+S 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

Luxury Sherry Trifle, at Marks & Spencer
Serves 6-8 Ready to eat 1.08kg Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 50 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Abbey Corner Chaise - Right-Hand, at Marks & Spencer
H95 x W291 x D106cm Chaise length L164cm, seat H54cm (all dimensions are approximate) Right-hand chaise - Chaise is on right side when viewed from the front of the sofa Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Limited Check Baseball Cap, at Marks & Spensers
Casual and fashionable, this cap features a check design

Pure Cotton Single Pleat Trousers, at Marks & Spenser
Smart and stylish, these trousers are made from a soft pure cotton. An ideal choice for work or everyday wear

The Waterfall Knee Length Pencil Skirt, at Marks&Spencer
This chic skirt is a wardrobe essential with a ruffled front making it a striking look for day or night. Pencil skirts flatter your curves and look fabulous with heels and pretty blouses

Long Sleeve Zip-Up Hooded Jacket, at Marks & Spencer
Cute and cosy, this hooded jacket is made from soft fabric to keep him feeling comfy. Part of our fabulously stylish Limited Collection

Classic Collection Stripe Crinkle Skirt, at Marks & Spencer
Smart and stylish, this panelled skirt in softly draping fabric is designed to fit and flare for a figure-flattering look. A stripe crinkle design adds a fashionable touch

Limited Collection Wooden Heel Court Shoes, at Marks & Spencer
Almond toe Court style Stitch detail Mid heel Heel height: 75mm Comes in sizes 3-8, including half sizes

Collezione Luxury Wool Flat Front Trousers with Cashmere, at Mark's & Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Handcrafted Glitter Heart Valentine Card, at Marks & Spencers
Cover Text: Love Be mine You are my best friend Be my Valentine Love is all you need! Will be yours always! I heart you Hearts Flowers Kisses Inside Message: Happy Valentine's Day Approx size: 15 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pure Cotton Spot Print Cropped Pyjama Bottoms, at Marks and Spencers
Pretty and feminine, these spot design pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Girls' Limited 3 Piece Tunic Outfit, at MarksandSpencer
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

Maxim Espresso Cup & Saucer Set, at Marks and Spenser
2 part set Versatile fine dining range Pure white porcelain Cup height: 6cm Saucer diameter: 13.5cm, Manufacturer: Marks & Spencer

Sonoma Office Dark Brown Leather Chair, at Mark & Spencers
H117 x W63 x D72cm Adjustable seat: H36 - 42cm Metal base Leather seat Gas lift function Delivered flatpack due to size. Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Clear Glass Coffee Table, at M & S
H38 x W120 x D60cm Contemporary clear glass design Made from clear glass Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Clear Glass Collection Set. , Manufacturer: Marks & Spencer

Single Pleat Crease Resistant Formal Trousers, at Marks and Spencer
Adopt a fuss-free approach to formal dressing with the crease resistant fabric of these sharp trousers, allowing you to stay looking smarter for longer

Artificial Red Blossom, at Marks and Spenser
Artificial red blossom No watering required therefore easy care Fresh looking throughout the year Height: 83cm, Manufacturer: Marks & Spencer

Stainless Steel Flour Shaker, at Marks and Spenser
Stainless steel Sieve feature Hook design handle H10 x Diam7cm, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Frill Neck Jersey Top, at Marks & Spencers
A stylish 3/4 sleeve jersey top in textured fabric featuring frill neck detail

Per Una Stripe Print Chiffon Dress, at Marks & Spencer
An elegant sleeveless chiffon dress, featuring empire line and stripe design

Limited Collection Cotton Rich Pindot Shorts, at Marks&Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Blue Harbour Pure Cotton Floral Print Shirt, at Marks and Spencer
Relaxed and stylish, this floral print shirt is made from pure cotton so it feels soft and comfortable to wear

Sing-a-Long Hannah Montana CD, at Marks and Spenser
Audio CD, Marks & Spencer

North Coast Pure Cotton Washed Denim Shirt, at Mark's & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear

ARCHOS 5 DVR Station for Internet Media Tablets, at Marks and Spencer
TV Recording: Easily record your favorite programs with the included TV program guide.Select your program on the program grid and schedule the recording with a click of the remote control. Record from most any external analog video source such as your satellite receiver, Digital TV adapter (DVB-T), VCR or cable box HD content playback: Play back HD videos up to 720p from your ARCHOS to your TV Full internet experience: Browse the Web comfortably and write your emails using the included remote control Faster charging: Charge your Internet Media Tablet quickly Media club: Discover a large library of movies, documentaries, music albums and games. Buy or rent your content in a few clicks and get instant access to it on your TV Stream from PC: Stream any of the music, movies or photos from your PC to your TV using your WiFi home network Multi-channel sound: Enjoy your films with 5.1 Surround Sound on your home cinema system through the SPDIF output Suitable for the ARCHOS 5 Internet Media Tablet 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

Casablanca Rosé 2008 - Case of 12, at Marks&Spencer
Style: Dry Grape variety: Cabernet Sauvignon and Syrah Country of origin: Chile Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol Alcohol units per bottle 9.4 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

Zeus Modern 4-Arm Ceiling Light, at Mark & Spencers
4 light chandelier Tiered Clear glass droplets Chrome finish H40 x Diam 42cm Bulb: 4 x 60W SMI EDS candle This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Black Tissue and Wrapping Accessories, at Mark's & Spencer
Pack contains: 3 sheets of tissue, Gift tag, Ribbon Approx size: Tissue: 50 x 70mm, Tag: 80 x 45mm, Ribbon: 120cm

Wrattonbully Tempranillo 2007 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Tempranillo Country of origin: Australia Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Breakthrough Breast Cancer Re-Usable Organic Cotton Bag, at M&S
Show you care with this organic cotton re-usable bag supporting Breakthrough breast cancer charity. 10% of the price of this product is donated to Breakthrough

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 Marks and Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spencer 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.