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 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 Home 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 Home 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 Marks & Spensers Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor 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 Motor Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from MarksandSpencer, 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 Motor Insurance from Marks & Spencer Money, you get more, and you pay less.

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

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

Pure Cotton Drawstring Joggers, at Marks & Spencer
Soft and practical, these loose fit drawstring joggers are outstanding value. This easycare style is ideal for active games or relaxing in comfort

Harry Potter Quidditch Dressing Up Outfit, at Marks n Spencer
This Quidditch costume is a must-have for fans of Harry Potter

Short Sleeve Ruffle Scoop Neck Top, at Marks and Spencers
This fab short sleeve top features a stunning ruffle design. A sophisticated new look, perfect for this season

Multi Floral Padded Underwired Bra, at Mark's & Spencer
Sleek and stylish, this bra is perfectly smooth so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Limited Collection Abstract Print Tiered Tunic, at Marks n Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Long Sleeve Cowl Neck Fleece Top, at M & S
Want style and comfort? This cowl neck fleece top looks fashionable and will keep you feeling warm, cosy and snug.

Twin Buckle Tote Bag, at Marks and Spencer
Stylish and useful, this tote bag features twin buckles. A practical and fashionable accessory

Small Traditional Rag Doll, at Mark & Spencers
Not recommended for babies under 12 months Hair ribbon detail Check print dress with heart motif This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Limited Collection Cotton Rich 3/4 Sleeve Top, at Marks and Spenser
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Apple Shaped Jotter Box Thank You Teacher Gift, at Marks & Spencer
1 apple shaped box Jotter paper 2 pencils Approx size: H95 x D130mm

Autograph Silk Rich Pleated String, at M&S
Elegant and feminine this figure-hugging string is made from a luxurious silk rich fabric and finished with a contrast lace trim. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Girls' Limited Cotton Rich Skinny Jeans, at Marks & Spencers
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

Mother's Day Graphic Floral Medium Gift Bag, at Marks & Spencers
Contains: 1 gift bag H260 x W200 x D90mm

Cotton Rich Coolmax® Pillowcase, at Marks & Spencer
Plain Easycare Perfect for use with our range of cool cotton duvets and protectors 220 thread count for a smooth crisp finish that requires minimal ironing, Manufacturer: Marks & Spencer

Crossover Mules, at Marks & Spenser
Round toe Flat

Limited Collection Pure Cotton Pintuck Blouse, at Marks & Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Cotton Rich Zip Fastening Chunky Stripe Cardigan, at Marks & Spenser
Contemporary and casual, this stripe zip up cardigan is made from a soft cotton rich fabric. Stylish, practical and fashionable

Silver Spot Bursts Bottle Bag, at Marks and Spencer
1 bottle bag with tag Approx size: H370 x W120 x D80mm

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

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

Machine Washable Multi Stripe Tie, at Mark & Spensers
No more trips to the drycleaners! This contemporary spot print tie is machine washable

Classic Collection Velour Wedge Slippers, at M & S
Treat your feet to the warm comfort of these velour wedge slippers. They're a terrific option for lounging around the home in cosy style

Organic Okhre Natur Brut Cava - Case of 6, at M&S
Style: Dry Grape variety: Xarel.lo, Macabeo, Parellada Country of origin: Spain Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Dusk Sparkle Earrings, at Mark's & Spencer
Hook fastening Diamant cluster Drop style Silver plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Marin Ridge California Shiraz 2007 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Shiraz (Syrah) Country of origin: USA Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol 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

Limited Collection Short Sleeve Top, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Gold Label Pinot Noir 2007 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Pinot Noir Country of origin: France Closure: Synthetic closure 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

Younger Girls' Apple Motif Slippers, at Marks and Spencer
Round toe Slip on Apple motif Flat sole

Angle Stack Table Lamp with Faux Silk Shade, at Marks & Spencer
Chrome plated base Triple stack stem Round base Cylinder shade Faux silk shade Dimensions: H61.5 x Diam 35.5cm Bulb: 60W ES or 11W CFL, Manufacturer: Marks & Spencer

Autograph Skinny Floral Tie, at Marks and Spencer
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

M&S Finance 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 Finance 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, 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.