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 Property 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 Property 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 Mark & Spencers 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.

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

Art Nouveau Pendant & Earrings Set, at Marks & Spencer
2 part set Pendant necklace Stud earrings Art Nouveau design This product is not available for international delivery. Find out more

Classic Non-Wired Embroidered Cross-Over Bra, at MarksandSpencer
Soft and comfortable, this full cup non-wired bra is great value. They're designed to give gentle support and a flattering fit

M&S 15'' Flat Screen LCD TV - Black, at Marks n Spencer
Display: 15 inch flat screen, 1280 x 800 pixels Contrast Ratio: 400:1 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: H34.5 x W38 x D17.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket Dynamic Contrast Ratio: 2000:1 Use wall mount

Autograph Silver-Plated Twig Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencer
Rectangle design Silver plated Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Post Surgery Textured Band Swimsuit, at Marks & Spencer
Feminine and flattering, this swimsuit has been especially designed for a perfect fit and great support after surgery. Every element has been considered for maximum comfort against delicate scar tissue and it's been extensively tested so every part stays in place

Print Your Own Wedding Stationery: Cream and Black Menu/Order of Service, at Marks and Spencers
Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 decorative ties ,1 x instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Please note: As this stationery is not intended for use as invitations, envelopes are not supplied in this pack Approx size: 218 x 154mm

Rosina Footstool, at M & S
H41 x W56 x D56cm Seat: H45cm (all dimensions are approximate) Cushion filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence& trade; - 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Classic Collection Pull-On Trousers, at Marks and Spenser
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Autograph Pure Cashmere V-Neck Jumper, at Marks & Spencers
Sophisticated and modern, this v-neck jumper is made from pure cashmere for the ultimate in luxurious softness.

Dualit Hand Mixer - Chrome, at Marks and Spenser
300 watt heavy duty professional motor 5 speed settings Chrome mark-resistant finish, with Soft Touch easy grip handle Includes 2 multi-purpose oversize flat beaters, 2 dough hooks and 1 balloon whisk Unique retractable power cord storage Integral plug storage Beater ejector unit Weight: 1.3kg Dimensions: H30 x W20 x D9.5cm 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 , Manufacturer: Marks & Spencer

The Floral Collection Lavender Moisture Rich Foaming Bath Essence, at Marks & Spensers
Lavender fragrance Foaming bath essence Moisture rich 500ml

2 Pairs of Ben 10 Socks, at Marks and Spencer
A must for all fans of Ben 10, these outstanding value socks feature assorted Ben 10 designs

Firm Control Smooth Magic High Leg Knickers, at Marks & Spensers
These knickers work like magic with targeted control areas to shape you where you need it most - flattening tummies and lifting bottoms for a sleek, streamlined silhouette. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

King Kong Blu-ray DVD, at Marks and Spencer
Rating Suitable for 12 years and over,

Sushi Party Selection, at Marks & Spencer
32 pieces Serves 8 Ready to eat Contains sesame seeds 732g As featured on page 10 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

DD-G Lace Strap Minimiser Bra, at Mark's & Spencer
Soft and comfortable, this minimiser bra gently shapes your bust to make it look smaller. A flattering, supportive style

Luxury Wool Rich Single Breasted 2 Button Blazer with Cashmere, at Marks & Spenser
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button jacket is exceptionally stylish and luxurious

Leather Mini Bag, at Marks and Spencer
Fashionable and practical, this mini bag features a secure zip fastening

M400 Mattress - Soft, at Marks & Spencers
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning 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

Château Gasparets Corbières 2007 - Case of 12, at Mark & Spencers
Style: Full Bodied Grape variety: Carignan, Syrah, Grenache, Mourvedre Country of origin: France Closure: Natural cork 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

Adored Jacquard Lace Trim Padded Bra, at Marks & Spensers
Classic and elegant, this gently supportive bra is made from the softest fabric and lace, so it's blissfully comfortable to wear. Underwiring and padding give an uplifted and enhanced natural shape. Feminine everyday lingerie

Collezione Luxury Wool Rich Trousers with Silk, at Marks and Spenser
Smart and stylish, these trousers are made from fine quality wool with silk for a touch of luxury. A practical, hardwearing and fashionable choice

Formula Instant Fix SPF 30 Face Veil, at Marks & Spensers
100% mineral sun filters Multi layered antioxidant protection system Sits beautifully on top of your daily moisturiser Provides an oil free base for use under make up Suitable for all skin types Hypoallergenic 30ml

5 Cotton Rich Seamfree High Leg Knickers, at M&S
Designed with both comfort and practicality in mind, these comfortable cotton knickers have added stretch and a flattering high leg design

2 Piece Pure Cotton Embroidered Dress & Top, at Marks & Spencers
A cute look in pure soft cotton, this coordinated outfit combines a stripe top with pinafore dress. The embroidered detail adds a pretty finishing touch

Collezione Luxury Wool Rich Flannel Trousers with Cashmere, at Marks & Spencer
Superior fabric, exceptional tailoring and careful attention to detail make these trousers stand out as a stylish modern classic. They're made from luxurious fabric spun in one of Biella Italys world-renowned mills and crafted to the highest specification according to traditional Italian manufacturing methods

50/50 Bed Linen - Bed Set, at Marks & Spencers
Single set: Duvet cover, 1 fitted sheet, 1 pillowcase Double set: Duvet cover, 1 fitted sheet, 2 pillowcases King Size (5ft) set: Duvet cover, 1 fitted sheet, 2 pillowcases Single set: Duvet cover - L198 x W137cm, fitted sheet - L190 x W91cm Double set: Duvet cover - L198 x W198cm, fitted sheet - L190 x W137cm King Size (5ft) set: Duvet cover - L218 x W228cm, fitted sheet - L200 x W152cm Fitted sheet depth: 25cm Pillowcase: L76 x W48cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Glacier Necklace & Earrings Set, at Marks & Spencers
2 piece set Hook fastening drop style earrings Clasp fastening mixed bead necklace

Forest Heart Cluster Necklace, at M&S
Tie fastening Multiple bead design

Detroit Dining Table & 6 Alton Scroll-Back Chairs Set, at Marks and Spencer
7 piece set Table: H75 x W90 x D150cm Table seats 6 Chairs: H103 x W55 x D66cm Scroll-back antiqued-leather chairs Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more 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 manufacturer's instructions, and be aware that polishes can add sheen, Manufacturer: Marks & Spencer

Besides Marks and Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property 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 Financial Services 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 Financial Services Premier Property Insurance and Standard Property 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.