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 Buildings 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 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.

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

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

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

When you're shopping at Mark's & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Footglove™ Wide Fit Bow Wedge Shoes, at M&S
Put your best foot forward with these stylish Footglove™ shoes in soft leather. They're lightweight, flexible and exceptionally comfortable

Handmade Outfit 40th Birthday Card, at Marks & Spensers
Cover text: 40 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: 175 x 126 mm

Autograph Styled Flock Stripe Thong, at Marks and Spencer
Sophisticated and feminine, this modern thong features a stripe design and skirted sides. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

4 Windsor Sherry Glasses, at Marks & Spencers
Set of 4 Dishwasher safe 9cl H13cm, Manufacturer: Marks & Spencer

True Red Eau De Toilette Purse Spray 25ml, at Marks and Spenser
25ml eau de toilette This product is not available for international delivery. Find out more

Autograph Pure Cotton Belted Jeans, at Marks and Spencer
Soft cotton fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value jeans are designed to keep baby looking adorable and feeling comfy and happy

Vantage Point Blu-ray DVD, at Marks & Spensers
Rating Suitable for 12 years and over,

Reggiano Rosso Single Estate 2008 - Case of 12, at Marks and Spencer
Style: Light bodied Grape variety: Lambrusco Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians 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

Fire Vehicles Set, at Marks & Spenser
Suitable for ages 3-6 years 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

5 Shrug Style Short Sleeve Plain Bodysuits, at Marks and Spencer
Soft, plain and machine washable, these bodysuits are a perfect buy for your newborn

3 °Climate Control Cotton Rich Plain Hipsters, at Marks & Spensers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

3 Pairs of Cotton Rich Assorted Ankle Socks, at Marks & Spencers
Cute and comfy, these soft cotton rich socks feature assorted designs

Autograph Daisy Print Tie, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Blue Harbour Pure Cotton Bold Stripe Shirt, at Marks and Spencer
Relaxed and stylish, this stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Short Sleeve Heart Print Belted Blouse, at Marks & Spensers
This fab short sleeve blouse features a stunning heart print design. A vibrant new look, perfect for this season

Tonal Hexagonal Shower Curtain, at Marks and Spencers
Tonal hexagonal design, Manufacturer: Marks & Spencer

Dinosaur Hunt Activity Pack, at Marks & Spencers
Suitable for ages 5+ years Includes dinosaur activity book, dinosaur fact file, 2 x prehistoric board games, 4 x fearsome playing pieces and board game spinner Helps kid's learn more about the mysterious world of dinosaurs Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Etched Mirror Photo Frame (3.5 x 5"), at Marks and Spenser
Rectangular shape Etched flower design Aperture: 3.5" x 5", Manufacturer: Marks & Spencer

DeLonghi Icona Kettle - Silver, at Marks and Spenser
1.7 litre capacity Rapid boil 3kW cordless kettle Stylish silver finish 360 swivel base with cord storage Water level indicator Auto shut-off when water begins to boil Removable, washable scale filter Cord storage Non slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

M&S 1GB Micro SD Memory Card, at Marks and Spencer
Compatible with digital devices with a microSD card slot Read (MB /s): 10MB Write (MB /s): 3MB Available capacity: 970MB 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

Pure Linen 3/4 Length Pintuck Front Shirt, at Marks and Spencer
For casual elegance, you can't beat this pintuck feature top. A great value linen essential

Handcrafted Super Hero Mummy's Day Card, at Marks & Spencers
Cover text: Happy Mummy's Day... From your little super hero! Inside message: With lots and lots and lots of love xxx Approx size: 178 x 126mm

Sprung-Edge Suede Divan with 4 Large Drawers & Autograph M500 Zip & Link Mattress, at MarksandSpencer
Mattress (6ft): W180 x L200 cm Divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan Height: 41cm Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Zip & Link allows you to combine different levels of firmness on the left and right sides of the mattress. The two sides of the mattress zip together, so you and your partner can choose between medium or firm support Spring count: 1225 Mattress unzips into 2 easier to fit into your home Pocket sprung mattresses give a flexible feel Sprung-Edge divan - can be used with any mattress Mattress does not require turning All mattresses and Divans are manufactured in the UK 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

Ella Fitzgerald - The Legend CD, at M&S
Audio CD, Marks & Spencer

BT Freestyle 750 Cordless Phone with Answering Machine, at Marks and Spenser
GAP compatible 15 minutes recording time 50 name & number directory 10 number calls list 5 number redial list Low energy power supply and recyclable packaging 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 This product is not available for international delivery. Find out more

M&S Quad Set DECT Ergonomic Cordless Phones with Answering Machine, at Marks & Spencers
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Ergonomic design White, backlit inverse display Backlit keypad Phone book - stores 50 names and numbers Talk time - up to 9 hours with 100 hours standby Speakerphone - talk hands-free Caller display - identify your caller before answering Built-in digital answering machine with up to 15 minutes recording time iShare - access the answer machine from any handset Ringer melodies - choose from 10 different options Message counter display on base 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 This product is not available for international delivery. Find out more

Ceriso Floral Print Padded Balcony Bra, at M&S
Fun and fabulous, this padded bra is part of our Limited Collection lingerie. The balcony shape gives maximum uplift for a flattering look. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una Buckle Shoes, at Marks n Spencer
Buckle feature Slip-on Mid heel Comes in sizes 3-8, including half sizes Heel height 74mm

Single Breasted 2 Button Stripe Jacket, at M&S
Smart and contemporary, this suit is made from a special wool blend fabric for extra strength, comfort and durability

Floral Print Holiday Flip Flops, at Mark & Spensers
Round toe Toe post Flat sole Floral print

There are lots of ways to save money using M&S Financial Services. Not least of these is M+S Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & 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 M&S Money Direct, you get more, and you pay less.