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 Buildings & Contents 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 Buildings & Contents 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.

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 Spenser 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks n Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Riptape Stitch Sandals, at Mark's & Spencer
Fashionable and comfortable, these lightweight leather sandals make a great choice for relaxed style in the sun, at home or on holiday

Per Una Styled Floral Embroidered High Leg Knickers, at Marks & Spencer
Feminine and delicate, these stylish briefs feature a floral embroidered design and are finished with a center bow detail. Pretty everyday fashion

Older Boys' Union Jack Swimming Shorts, at Marks & Spencers
These Union Jack shorts are sure to make a splash. The contrasting drawstring waist helps give a secure fit. Fashionable, practical and easycare

Per Una Bath Bubbles Con Amore, at Marks and Spencer
500ml

Samsung 32'' LE32B650 HD Ready LCD TV, at M & S
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch Widescreen LCD TV, 1920 X 1080 resolution Contrast Ratios: Ultra Contrast Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W802.9 x D77.1 x D544.9mm (without stand) W802.9 x D239.0 x H601.0mm (with stand) Weight: 13.3kg (with stand), 10.0kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 2 x Scart, 3 x HDMI, Headphone socket, RF input, S-Video connection, Composite(AV), PCMCIA Card Slot, PC input (D-sub) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty 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

Pure Silk Woven Square Grid Dot Tie, at MarksandSpencer
Add a luxurious finishing touch with this contemporary square grid dot tie in pure silk

Circular Gem Brooch, at Marks and Spencer
Interlinked circular design Gem detail Comes in presentation bag

Organic Cotton Seersucker Bedset, at M&S
Seersucker style Single set includes single duvet cover and 1 pillowcase Double set includes double duvet cover and 2 pillowcases King size includes king size duvet cover and 2 pillowcases Added stretch, Manufacturer: Marks & Spencer

Cross Dye Quilted Bedcover, at Marks and Spencer
Stitch detail Padded Medium: 150x200cm Large: 260x265cm, Manufacturer: Marks & Spencer

Stitch Neckline Jersey Top, at M & S
This fab short sleeve top features a stunning stitch neckline detail. A vibrant new look, perfect for this season

Montsant Old Vines Garnacha 2005 - Case of 6, at Mark & Spencers
Style: Full bodied Grape variety: Garnacha Country of origin: Spain Closure: Natural cork Suitable for vegetarians 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

St Romain 2006 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France 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

Wentworth Large 2-Seater Occasional Sofa Bed, at Marks&Spencer
H96 x W172 x D100cm Seat H50cm (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 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 Feet are castors Mattress: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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

2 Pairs of 10 Denier Shaping Matt Tights, at M&S
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Princess Craft Book, at Mark & Spencers
Turn your home into a princess paradise with this fabulous book full of princess things to make and do! Create your own fantastic pop-up princess toys, fairytale castle, pretty posies, dazzling tiaras and more...

Ceriso Frill Trim Floral Print Padded Bra with Silk, at Mark's & Spencer
Fashionable and flirty, this modern bra features floral print and is finished with a frill trim. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Pull On Bucket Summer Hat, at Marks and Spencer
This woven pull on hat is ideal for all your summer activities this season. Whether you find yourself at a festival, in the garden or at the beach the wide brim will keep you feeling cool and well protected

Silver Photographic Champagne Bottle Bag, at Marks & Spencers
1 bottle bag with tag Approx size: H370 x W120 x D80mm

Cap Sleeve Gathered Neckline Top, at Mark & Spencers
Chic and modern, this cap sleeve top is made from softly draping stretch viscose for a fluid look. The gathered neckline adds a fashionable finishing touch

Firm Control Low Leg Briefs, at M&S
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Earth Spa Skin Softening Shower Drench, at Mark & Spencers
Refreshes Soothes Hydrates 250ml

Ruched Flower Cushion, at Marks & Spencer
Rectangular shape Embroidered floral design Ruched detail, Manufacturer: Marks & Spencer

Oudinot Champagnes - Case of 6, at Mark's & Spencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sunflower Race Kit, at Marks and Spencer
This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Stainless Steel Wine Cooler, at Marks and Spencers
Cylindrical shape Diameter: 12cm Height: 20cm, Manufacturer: Marks & Spencer

Per Una Allegra Heart Charm Drop Earrings, at Marks and Spencers
Drop style Hook fastening Heart charm For hygiene reasons, refunds will only be given in accordance with your legal rights

Hepworth Media Unit, at Marks & Spencer
H51 x L108 x W48cm Top: H15 x W47 x D43cm Bottom: H13 x W47 x D46cm 4 drawers and 2 glass shelves Metal Brass detailing on corners, feet and handles Made from European solid birch and birch veneer Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European Birch. Drawers made from veneers Legs mad from European solid birch Handles made of solid antiqued brass Side panels and back panels are veneered. Top panel is veneered with solid birch edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Self Stripe Polo Shirt, at M&S
Stylishly smart casual, this polo shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Pure Cotton Long Sleeve Herringbone Shirt, at Mark's & Spencer
Smart and stylish, this long sleeve herringbone shirt is made from pure cotton

Older Boys' Pure Cotton Skating Bart Shorties, at Marks and Spencer
A must for fans of The Simpsons, these shorties feature Bart skating

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