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 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.

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

Marks n Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (Household Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks n Spencer insurance products in document format too.

Stainless Steel Apple Corer, at Marks & Spensers
Stainless steel Slices apples into eight pieces L15cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Adored Comfort Orchid Embroidered Highleg Knickers, at Marks & Spensers
Elegant and pretty, these embroidered briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

Younger Girls' Dora the Explorer Slippers, at M & S
Round toe Slip on Dora the Explorer motif 2005 Viacom International Inc. All Rights Reserved

Wool Blend V-Neck Jumper, at Marks & Spencers
This great value jumper is soft, hardwearing and lightweight. An ideal choice for school

Cotton Rich Eskimo Top & Dungaree Outfit, at Marks and Spencers
Soft cotton rich fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value top and dungaree outfit is designed to keep baby looking adorable and feeling comfy and happy

Tribeca 2-Seater Everyday Sofa Bed, at Mark & Spencers
H90 x W193 x D99cm Seat H46cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion 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 medium finish Mattress: L178 x W112 x D5cm Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa Bed will support a maximum combined weight of 160kg All of our fabrics are treated with Stain-Defence& trade; - 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Floral Embroidered Jeans, at Marks and Spencers
Fashionable and practical, these cotton jeans are hardwearing and comfy. The pretty floral embroidery and tie waist gives it a cute look

Footglove™ Wide Fit Leather High Heel Court Shoes, at Marks and Spencer
Step out in style in these wide fit Footglove™ shoes, made from soft leather. Comfortable, lightweight and flexible

2 Older Girls' Pure Cotton Lace Trim Crop Tops, at Marks and Spencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Per Una Organic Cotton Crochet Trim Shorts, at Mark & Spensers
Elegant and feminine, these stylish shorts feature a crochet trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion, made with organic cotton

Winnie the Pooh Age 1 Birthday Card, at Marks & Spencer
Cover text: 1 today Inside message: Happy birthday Approx size: 174 x 126 mm

Formal Square Buckle Belt, at Marks and Spenser
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Chunky Weave Throw, at Marks & Spencer
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

3 Pairs of Argyle Ultimate Comfort Socks, at Marks and Spencer
Get a fabulous, fashionable look with these argyle design socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

Cayman Collar Necklace, at Marks & Spencers
Tie fastening Chunky style Mixed beads Necklace length: beads 46cm, ribbon either side 41cm

Miele Type U Hyclean Dustbags, at M&S
4 dustbags Capacity of 6 litres 1 x motor filter 1 x super air clean filter Suitable for S7 upright vacuum cleaners

Pure Cotton Plain Dye Bathmats, at Marks & Spenser
Block colour design Bathmat: L75 x W50cm Pedestal mat: L50 x W50cm Shower mat: L50 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Slinky Lace Trim Camisole, at Marks and Spencer
Stylish and feminine, this lace trim camisole is made from soft touch fabric which feels blissfully comfortable to wear

5 Pairs of Younger Girls' Assorted Design Socks, at M & S
Stock up on stylish essentials with this pack of 5 pairs of assorted design socks

Cotton Rich Tartan Shirt & Plain T-Shirt, at Marks & Spencers
This fashionable layered look is a 2 piece set - a t-shirt and shirt both in soft comfortable cotton. Stylish, practical and easycare

3 Cool & Fresh Cotton Rich Assorted Trunks, at Marks & Spencers
Made from soft breathable stretch cotton, these comfy trunks are ideal for everyday wear.

Soft Touch 4.5 Tog Dacron Duvet, at M+S
4.5 tog, Manufacturer: Marks & Spencer

Per Una Stripe Wide Leg Trousers, at Marks & Spencer
A beautiful pair of straight leg trousers in a linen blend with a double waistband and twin button feature

Photographic New Home Card, at Marks & Spencers
Cover text: Enjoy your beautiful new home Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150mm x 150mm

4 Maxim Wine Glasses, at Marks and Spencer
Pack of 4 Height 21.5cm 36cl, Manufacturer: Marks & Spencer

Machine Washable & Tumble Dry Single Breasted 2 Button Black Stripe Jacket, at Marks and Spencer
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

2 Autograph Plain Slips with Cotton, at Marks and Spencers
Guaranteed to meet your everyday underwear needs, these great slips combine all the comfort and reliability of a cotton and modal blend with a plain design

The Top 100 Health Tips by Janet Wright, at M&S
Discover the secrets to optimum health and vitality! Fast-track your way through the easily navigated section to optimise your health and well-being through foods

Ethnic Long Mix Necklace, at Marks and Spencer
Ethnic style Chunky mixed beads Necklace length 82cm, extendable by 8cm

Spot Print Lace Back High Leg Knickers, at Mark & Spensers
A great style for making your legs look longer, these lace knickers are designed with a flattering high cut

Besides Marks & Spensers Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.