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's & 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 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 & Spenser 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.

2 Pure Cotton Napkins, at Marks & Spencer
L45 x W45cm Pack of 2 Plain, Manufacturer: Marks & Spencer

5 Pure Cotton Racoon Bibs, at Marks & Spensers
Cute and practical, this handy pack of 5 cotton bibs is great value

Autograph Flat Front Plain Trousers, at Marks and Spencers
Smart and stylish, these flat front trousers are made from fine quality pure wool. A practical, hardwearing and fashionable choice

Pinstripe Bootleg Trousers, at M+S
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Flat Front Crease Resistant Trousers, at M&S
Stay smarter for longer with these innovative crease resistant trousers. They're machine washable and feature coin catcher™ pockets which stop change falling out

Spider-Man Grandson Birthday Card, at Marks and Spencer
Cover text: To a super Grandson Inside message: Have fun hanging out on your birthday Approx size: 215mm x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Marvel Spider-Man Merchandising Columbia Pictures 2006 Columbia Pictures Industries, Inc. All Rights Reserved Spider-Man 3 & 2007 Marvel Characters, Inc. 2007 CPII. All rights reserved

Ring Trim Bandeau Tankini Top, at Marks and Spencer
Elegant and sophisticated, this bandea style tankini top is designed to stay securely in place while you work on your tan. A fabulous fashionable look

Silver Plated Sparkle Loop Necklace & Earring Set, at MarksandSpencer
2 part set Butterly stud fastening earrings Clasp fastening necklace with adjustable length Loop design Diamant detail

Sonoma Dark Extending Table & 6 Chairs Set, at Marks & Spencer
7 piece set Table: H76 x L180 x W100cm (extends to L230cm) Extendable table with centre leaf that can be stored beneath tabletop Seats 6-8 people Chair: H86 x W48 x D54cm Seat: H48cm Leather padded seats Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Chairs made from solid wood Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood 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

Straw Trilby, at Marks & Spencer
A great looking straw fedora for M&S, this lightweight straw trilby is made from natural straw featuring a center pinch crown with a wide brim and comes complete with a stripe band

Autograph Faceted Cylinder Vase, at Marks & Spenser
Manufacturer: Marks & Spencer

Ultimate Pure Wool Single Breasted 2 Button Plain Jacket, at Marks & Spencer
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Autograph Peeptoe Bow Platform Shoe, at Marks & Spenser
Peeptoe Bow detail Satin finish High heel Heel height: 4 inches Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Classic Duckling Square Ceramic Money Box, at M+S
Pack contains: 1 money box Approx size: H100 x W100 x D100mm

Kaspersky Anti-Virus 2009 1 User 1 Year License, at Marks & Spencer
Data and Identity Theft Protection: Disables links to phishing websites Essential Protection: Protects from viruses, Trojans and worms, Protects from spyware and adware, Scans files, email messages and Internet traffic, Protects instant messengers (ICQ, MSN), Proactive protection from unknown threats Preventive Protection: Scans operating system and installed applications for vulnerabilities, Disables links to malware sites Usability: Automatic configuration, Wizards for common tasks, Automatic or interactive mode, Round-the-clock technical support, Automatic database updates, Global threat monitoring (Kaspersky Security Network) Advanced Protection & Recovery: Program can be installed on infected computers, Self-protection from malware, Restores correct system settings after removing malicious software Suitable for 1 user for 1 year

Reggiano Rosso Single Estate 2008 - Case of 12, at Mark & Spensers
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

Autograph Round Toe Patent Finish Pumps, at Mark & Spencers
Round toe Patent finish Slip-on Low heel Heel height: 15mm Comes on sizes 3-8, including half sizes

Long Sleeve Fair Isle Hooded Dress with Wool, at Marks and Spencer
Fashionable and practical, this cute dress features a fair isle design. It's made from soft fabric to keep her comfortable and happy

Non-Iron Long Sleeve Herringbone Shirt, at Mark & Spensers
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Blue Harbour Pure Cotton Plain Polo Shirt, at Marks and Spencers
Featuring classic detailing and a relaxed fit, this plain design polo shirt is the perfect addition to your casual wardrobe

5 Cotton Rich Heart Print Bikini Knickers, at Marks and Spenser
These heart print cotton rich bikini knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

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

Print Your Own Graphic Heart Order Of Service or Menu Cards, at M&S
Pack Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 ribbons, 1 sheet of glue dots, 1 x instruction leaflet, N.B. The CD-ROM is not included in the pack and is available separately. Approx size: 218 x 154mm As this stationery is not intended for use as invitations, envelopes are not supplied in this pack. The cards in this pack are made with material from FSC certified sustainable forests Use the print your own CD-ROM or download the free version. Download free software to personalise the stationery

2 Younger Boys' Mr Men Swimming Shorts, at Marks & Spencers
Fun and fashionable, these drawstring shorts fit comfortably and securely. Mr Men motifs add a fab finishing touch

The Great Britain Guide (AA Illustrated Reference Books), at Marks and Spencer
This is the ultimate getaway to all the best-loved areas of Britain. Explore the best-loved and most popular parts of Britain - including all the national parks, heritage coastline, areas of outstanding natural beauty, mountains and rural areas. This guide enables you to choose your destination, your activities - walks, cycle rides and car tours. Inside, you'll find easy-to-use maps and modern layouts with newly commissioned photographs to inspire you and locator maps showing the area in detail. There are 1,000 main entries, 150 walks, 50 cycle rides, 24 car tours and hundreds of ideas for activities and places to visit. Simple to use, "The Great Britain Guide" contains all the information you need to make the most of your visit - where to go, what to see and do and what not to miss

Easy Chicken, at M&S
Tantalise your taste buds with this great collection of tasty chicken recipes

Pure Cotton Long Sleeve Matinee Cardigan, at M+S
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too!

Pure Cotton Contrast Trim Stripe Shirt, at Marks & Spensers
Smart and stylish, this stripe shirt is made from cool comfortable cotton and features contrast trim

Short Sleeve Nautical Top, at Marks & Spencers
A stripe print adds a pretty touch to this cotton rich top

Official British & Irish Lions Tie - Pure Silk Woven Multi Stripe Tie, at Marks & Spencer
M&S is the official formalwear supplier to the British & Irish Lions for the squad's summer 2009 tour of South Africa. Share our pride and show your support with this luxurious pure silk, multi stripe tie British & Irish Lions official formalwear supplier - We're proud to be an official supplier to the British and Irish Lions Tour 2009. Click here to see the squad in action with M&S

Marks&Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (Property Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spenser insurance products in document format too.