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

There are lots of ways to save money using M&S Finance. Not least of these is M & S Standard Car Insurance. With M&S Finance you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from Marks & Spencers Money, you get more, and you pay less.

Besides Marks and Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance House 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 Finance 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 & Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier House Insurance and Standard House 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.

Automatic Countryman Umbrella, at M&S
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

2 Per Una Essentials Clover Embroidered Non Padded DD-G Bras, at Marks and Spencer
Elegant and feminine, this pack of 2 stylish bras feature stretch lace fabric and a clover embroidered design. It's underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Limited Collection Knotted Strand Necklace, at Marks & Spencer
Mixed beads Multi strand design Knoted detail

Hard-Top Non-Storage Divan & M100 Mattress, at Marks and Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 21.5cm Divan height: 41cm A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Autograph Leather Hip Wallet & Credit Card Holder, at Marks n Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

3 Way Pure Cotton Cover Up Beach Dress, at MarksandSpencer
Elegant and feminine, this strapless cover up beach dress is designed to stay securely in place while you work on your tan. A fabulous fashionable look

Duck Feather & Down 10.5 Tog Duvet, at Marks and Spencers
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating 230 thread count and 100% cotton downproof cover Excellent value for money, natural duck feather and down filling ensures a soft and comfy night's sleep Pure cotton cover Highest quality class 1 duck feather down Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Travel Essential Pop Up Brush, at M+S
Compact Fold away Internal mirror

Rose Net Hold Ups, at Marks & Spencers
Treat your legs to a touch of style. These rose net hold ups have a durable reinforced design to keep them looking good, wear after wear

Collezione Zip Luxury Wash Bag, at Marks and Spencer
Take the hassle out of transporting your toiletries with the zip fastening design of this travel essential

Artificial Orchid in Round Mirror Vase, at Marks and Spenser
Round vase Mirrored design with clear centre Artificial orchid stem H36 x Diam 30cm, Manufacturer: Marks & Spencer

Per Una Pure Linen Stitch Panel Skirt, at Marks & Spencer
A stylish flared skirt in pure cool linen. Zigzag stitch details give it the Per Una touch

Portfolio Cotton Rich Pencil Skirt, at Marks and Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Signature Natural Cotton Diffuser Refill, at Marks & Spenser
Lasts up to 75 days Changeable fragrance 15ml of fragranced liquid This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Textured Knitted Top, at Marks & Spencers
A casual 3/4 sleeve top in soft textured fabric, featuring a scallop trim and round neck

Autograph Pure Cashmere Hooded Stripe Cardigan, at Marks and Spencers
Soft and snuggly, this practical cashmere hooded cardigan will keep him feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Perfect Autograph Cross Body Leather Bag, at Marks & Spenser
In soft, versatile tan leather, this cross-body bag has all the style and space you need for everyday autumn chic

Cape Flora Bouquet, at Marks and Spenser
Internet Exclusive This bouquet is arranged from wild foliage and seasonal flowers sustainably harvested from Flower Valley in the Agulhas region of South Africa. The Cape floral kingdom is the smallest plant kingdom in the world but contains the highest known concentration of plant species - more than 9,000 plant species make up the region, 6,000 of which are found nowhere else on Earth Available for delivery from 8th May to 30th September 2009

Headboard - King Size (5ft), at Marks n Spencer
H77cm (without struts) x W163cm (all dimensions are approximate) Upholstered in your choice of fabrics or leathers Designed to fit most standard divans Mattress and divan sold separately Detailed care instructions are included 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 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 samples: 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

Silicone Nipple Covers, at M+S
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

Classic Underwired Built-Up Shoulder Bra, at Marks & Spenser
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Small Value Soft Leaf Print Rollercase, at Marks & Spencer
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

Girls: Me and My Friends, at Marks n Spencer
Girls love their friends, this cool book includes everything they need to know about friendships

Girls' Limited Pure Cotton Brace Skirt, at M&S
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

Cotton Rich Velour Funnel Neck Jacket, at Marks and Spenser
Treat yourself to plush comfort with this super soft velour jacket. Perfect for relaxing or exercising in style

5 Pairs of Ankle Length Sport Socks with Cool&Fresh, at Marks and Spencer
These sports socks feature a cushioning sole for shock absorption and comfort. Knitted arch support keeps them in place during exercise

Portfolio Pure Silk Floral & Spot Print Lightweight Scarf, at Marks & Spenser
Add a luxurious finishing touch to your look with this elegant pure silk floral and spot print scarf. The perfect accessory to this season's styles

Panasonic 50'' TX-P50X10 HD Plasma TV, 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: 50 inch plasma screen, 1,049,088 (1,366 x 768) pixels Dynamic contrast ratio: 2,000,000:1; Native: 20,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W121.8 x H76.9 x D10.5cm (without stand), W121.8 x H81.4 x D40.1cm (with stand) Weight: 34kg (without stand), 36kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3x HDMI, S-video input, component video input, PC input and 1 x headphone jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 4,096 equivalent steps of gradation SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Stonier Reserve Chardonnay 2006 - Case of 6, at MarksandSpencer
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Black Dress on Pink Floral Birthday Card, at Marks and Spencer
Cover text: Happy birthday Inside message: Blank for your own message Approx size: 230 x 114mm

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

• M&S Insurance: M&S Car Insurance, M&S House 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 & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

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