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 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.

M&S Financial Services offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Car Insurance is not like that at all, and when you compare M&S Car 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's & Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & 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 Household 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 and 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.

3 Pairs of Cotton Rich Varied Stripe Socks, at Marks and Spencers
Get a fabulous, fashionable look with these varied stripe socks. They're made from comfortable soft stretch cotton for a great fit and shape retention

Autograph Essentials Ponte Scoop Neck Dress, at Mark & Spensers
Luxurious and elegant, this smart style dress is part of our exclusive Autograph range

Limited Collection Ruched Ankle Boots, at M+S
Pointed toe Ruched detail Stitch detail Side zip fastening Mid heel Heel height: 44mm Comes in sizes 3-8, including half sizes

Limited Collection Pyramid Stud Belt, at Marks & Spenser
Fashionable and fabulous, this pyramid stud belt adds a trend-conscious finish to stylish outfits

Brass Band CD, at Marks & Spencers
Album, Marks & Spencer

Autograph Essentials Rose Embroidered Padded Bra, at Marks and Spencers
Fresh and pretty, this rose embroidered padded bra features a floral trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Flock Leaf Pencil Pleat Curtains, at M&S
Manufacturer: Marks & Spencer

Chunky Weave Throw, at M&S
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

3 Autograph Pure Cotton Trunks, at Mark's & Spencer
Comfortable, practical and fashionable, this 3 pack of trunks is made from soft breathable cotton

Recycled Funnel Zip Neck Fleece, at Marks & Spenser
An ideal choice for school, this fleece is made from polyester from 100% recycled sources

Handcrafted 3D Butterfly Mother's Day Card, at MarksandSpencer
Cover text: With love on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Classic Non-Wired Padded Lace Bra, at Mark's & Spencer
Non-wired to provide you with a more natural silhouette. This great bra offers superior support thanks to adjustable straps and added stretch, while the lace design has a feminine touch

Short Sleeve Deep V-Neck Stripe Cardigan, at Mark & Spencers
Fashionable and flattering, this cardigan features two front pockets. Stylish, practical and fashionable

Collezione Pure Silk Stripe & Spot Tie, at Marks and Spencer
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Autograph Short Sleeve Mini-Rib Vest, at Marks and Spencer
Ideal for layering, lounging or sleeping in, this comfortable, easy to care for vest is an essential part of any modern man's wardrobe

Blue Harbour Long Sleeve Stripe Shirt, at Marks n Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Classic Collection Pure Merino Wool Tweed Cardigan, at Marks & Spensers
Add a touch of cosy comfort to your wardrobe with this stylish cardigan in soft, luxurious lambswool. It's versatile enough to be dressed up or down for a smart or casual look

2 Malabar Dining Chairs, at Mark's & Spencer
H101 x W47 x D55cm Seat: H46cm Sold as a pair Vertical slat back with rush seat Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Made from solid wood 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. SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Malabar Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sprung-Edge Divan with 2 Small & 2 Large Drawers, at Marks and Spenser
Double: W135 x L190cm King: W150 x L200cm Super King: W180 x L200cm Divan: H41cm 2 x large drawers and 2 x small drawers Large drawer size: H15 x W78.4 x D53cm Small drawer size: H15 x W40.5 x D53cm Solid wooden frame Sprung edge Half-width (small) drawers at the head end are designed to open without moving your bedside table This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bordeaux 2006 - Case of 6, at Marks and Spencers
Grape variety: Merlot 75%, Cabernet Franc 15%, Cabernet Sauvignon 10% Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 6 x 75cl Alcohol by volume: 12.5% vol Alcohol units per 125ml: 1.6 Alcohol units per bottle: 9.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Silver, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 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: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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: 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 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 Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Big & Tall Blue Harbour Stormwear™ Straight Leg Jeans, at Marks and Spencer
The perfect jeans for the casual outdoorsman, these smart looking straight legs feature a unique stormwear finish that repels water in order to keep you comfortable and dry

Clear Glass Coffee Table, at Marks & Spencer
H38 x W120 x D60cm Contemporary clear glass design Made from clear glass 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 SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Clear Glass Collection Set. , Manufacturer: Marks & Spencer

Limited Collection 3/4 Sleeve Suede Jacket, at Mark & 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

Per Una Wool Blend Ruched Dress with Belt, at Mark & Spencers
A fashionable knee length dress in a soft wool blend featuring a velvet tie belt

Girls' Limited Rock Princess Vest Top & Shrug, at Marks & Spencer
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

Coconut Shy, at Marks and Spencer
Contains: 4 poles, 4 coconut targets with small peg fasteners, 4 beanbags, instructions Beanbags: 105 x 80 x 25mm Coconut targets: 160 x 120 x 45mm Poles: 2 x 25 x 700mm & 2 x 25 x 900mm

High School Musical 2: Non-Stop Party CD, at Marks and Spencer
Audio CD, Marks & Spencer

Summer Manor Pasta Bowl, at Marks n Spencer
Floral trim design Dishwasher and microwave safe, Manufacturer: Marks & Spencer

2 Pure Cotton STAIN-AWAY™ Polo Shirts, at Marks and Spencer
A great value 2-pack treated with STAIN-AWAY™, our unique high performance finish which helps prevent everyday stains, and makes them easy to wash out clean. It even works with ink blots!

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 & 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.