Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but Marks & Spenser 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 Financial Services 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, Motor 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 & Spencer insurance products in document format too.

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 & Spensers are so useful. M&S Financial Services financial products are, of course, designed to make Marks&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, 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.

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.

Older Girls' Permair™ Flower Bar School Shoes, at M+S
Round toe Floral detail Single riptape fastening strap Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Pure Cotton Short Sleeve Spider-Man™ T-Shirt, at Marks and Spencer
Fans of Spider-Man will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Soft Touch Dacron® 10.5 Tog Duvet, at Marks & Spencers
Non-allergenic Super soft Dacron filling, Manufacturer: Marks & Spencer

Bold Stripe Cushion with Recycled Filling, at M&S
Rectangular shape Stripe design L60cm x W43cm, Manufacturer: Marks & Spencer

Autograph Pure Silk Contrast Vertical Stripe Tie, at Marks and Spencers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Ben 10 Wrap Pack, at Marks & Spencer
2 sheets, 2 tags Each sheet: 495 x 695mm Tags: 80 x 55mm (folded) TM & 2008 Cartoon Network. A Time Warner Company. All Rights Reserved

Handheld Grater, at Mark's & Spencer
Grip handle Wide plate, Manufacturer: Marks & Spencer

Autograph Pure Cotton Short Sleeve Dash Print Shirt, at Marks and Spencers
Stylish and contemporary, this pure cotton short sleeve shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Cotton Rich Drawstring Velour Joggers, at Mark & Spensers
Relaxed and comfy, these casual joggers are made from soft fabric and feature drawstring fastening. A practical easycare choice

Classic Coated Leather Square Buckle Belt, at Mark & Spencers
Fashionable and practical, this leather belt adds a stylish finishing touch

M&S 15'' HD Ready LCD TV with DVD Player & iPod® Dock, at Marks and Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 15 inch LCD, 1280 x 800 pixels Contrast Ratio: 400:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Connectors:1 x HDMI input, 1 x scart socket Built-in DVD Player: Plays DVD and CDs Built-in iPod Dock: Plays music and videos from the iPod through the TV and charges your iPod iPod remote Control all iPod functions from the TV remote iPod docking station compatible with Classic 5th & 6th generation, Nano 2nd & 3rd generation, iTouch and iPhone 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: 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 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 Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Cotton Rich Spot Print Bikini Knickers, at Marks and Spencers
Pretty and feminine, these cute spot print bikini knickers sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Active Performance Stretch Joggers, at Marks & Spencer
Perfect for active wear, these Performance joggers incorporate moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Domaine de Luc Viognier 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Viognier Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Woven 'Scotland' Jogging Bottoms, at M+S
Sports fans will love these cosy joggers featuring the Scotland slogan. A practical, easycare style

Autograph Pure Cotton Multi Stripe Shirt, at M&S
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Younger Boys' Pure Cotton Robot Pyjamas, at Marks & Spensers
Fun and fashionable, these comfy pure cotton pyjamas feature robot motifs

Pearl Effect Necklace, at Marks and Spencer
Pearl effect Extra long necklace Length: 117cm

Short Sleeve Ireland Football T-Shirt, at Marks and Spencer
A must for football fans! This official Ireland football t-shirt features the Irish motif. A modern easycare style in soft comfortable cotton

Pecorino 2007 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Pecorino Country of origin: Italy 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

Double Layer Beaded Tie Tunic, at Marks & Spenser
Modern and stylish, this cardigan features a single button fastening. A versatile, easywear style

Short Sleeve Nautical Top, at M & S
A stripe print adds a pretty touch to this cotton rich top

2 Machine Washable Apollo Ties, at Marks & Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Per Una Mixed Bead Enchanted Bracelet, at M & S
Stretch bracelet Mixed bead design Multiple enchanted charms

Machine Washable Multi Stripe Tie, at Marks and Spencer
No more trips to the drycleaners! This smart striped tie is machine washable

Per Una Wool Blend Ribbed Beret Hat, at Marks n Spencer
Berets always look so chic making this knitted beret the perfect way to add a stylishly warm finishing touch.

Casual Cross-Body Bag, at Marks and Spencers
Both understated and useful, this cross body bag has lots of pockets to securely hold your must-have essentials

Limited Collection 3/4 Sleeve Printed Cardigan, at Marks and Spenser
Part of Limited Collection's Club Rio trend - get tropical in a heady mix of hot, sun-drenched hues and modern graphic prints with fresh white accents. A fashion-conscious holiday look

Autograph Pure Wool Single Breasted 2 Button Jacket, at Marks and Spencers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Portfolio Panelled Ponte Pencil 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

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 Marks and Spencer 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, Sainsburys, 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.