M&S Finance 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 Home 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 Home 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

When you're shopping at Marks and Spencers 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 Finance. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spenser than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."

M&S Finance 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 Finance 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 M&S 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

5 Pairs of Older Girls' Cotton Rich Assorted Socks, at Marks & Spencer
Fun and fashionable, this pack of 5 pairs of cotton rich socks features assorted design

Secret Support™ Cotton Rich V-Neck Lace Trim Vest, at Marks and Spencer
Flattering and feminine, this v-neck lace trim vest is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Frill Crook Umbrella, at Marks and Spencers
Brighten up rainy days with this stylish lightweight umbrella

Desroches Champagne - Case of 6, at M&S
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Pure Cotton Cat Print T-Shirt, at Marks & Spenser
A cat print design makes this soft cotton top extra pretty

Spider-man 3™ Blu-ray DVD, at Mark's & Spencer
Rating Suitable for 12 years and over,

Cut Flowers Refresher & Burner Oil, at Marks and Spencer
Cut flowers fragrance 15ml, Manufacturer: Marks & Spencer

Orchid Floral Cushion, at Marks and Spencer
Multi-colour floral design L50 x W50cm, Manufacturer: Marks & Spencer

Secret Support™ Heart Moccasin Slippers, at Marks & Spenser
The ultimate in comfort, these moccasin design slippers are made with hidden support that moulds to the natural contours of your feet. They are machine washable for added convenience

M&S Combination DAB Digital Radio, at Marks and Spencers
Access over 8000 radio stations worldwide built-in WiFi 24 station presets (8 DAB / 8 FM / 8 internet) Podcast and listen again service compatible with media streaming of MP3/WMA & real audio file Alarm functionality, snooze button, headphone port, automatic scanning, firmware upgradeable and mains operated Stereo digital radio with 802.11b/g WiFi network, full Band III DAB and FM reception Frequency ranges: 802.11b/g, Band III 174-240 MHz, FM 87.5-108 MHz WiFi (802.11b/g) security: WEP, TKIP, WPA, WPA2 WiFi audio files format support: MP3, WMA, Real Audio Speakers: full-range 3" drive unit Input connectors: 9V DC power adaptor socket (230V supplied) Output connectors: 3.5mm headphone, 3.5mm line out (analogue) LCD display: 2X16 character Type LCD display Mains power supply: 230V AC to 9V DC external power adaptor Aerial: captive telescopic aerial Dimensions (mm): 115mm high x 275mm wide x 65mm deep 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 Cotton Quick Iron Long Sleeve Stripe Shirt, at M&S
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look.

Garmin® nüvi® 5000 Satellite Navigation System, at Marks and Spencers
Maps: nvi 5000 comes with preloaded City Navigator NT street maps and millions of points of interest (POIs) such as hotels, restaurants, fuel stations, ATMs and more Directions: Touch the colour screen to enter a destination, and nvi takes you there with 2-D or 3-D maps and turn-by-turn voice directions. It even announces the name of exits and streets so you never have to take your eyes off the road, and its 3-D digital elevation map view gives you fair warning of grade changes Display: 5.2" diag (13.2 cm), 4.5"W x 2.7"H (11.4 x 6.9 cm), WVGA color TFT with auto dimming backlight Display type: WVGA color TFT with auto dimming backlight Go Beyond Navigation: Navigation is just the beginning. nvi 5000 includes many must have entertainment and travel tools including MP3 player, audio book player (subscription to Audible.com required), JPEG picture viewer, Garmin Games and more. With nvi 5000's wireless FM transmitter you can hear audio, including voice prompts, MP3s and audio books, through your vehicle's stereo. It's also compatible with FM traffic alerts or MSN Direct content (receiver and subscription required) It comes with Garmin Lock™ (an anti-theft feature) and is compatible with our free Garmin Garage where you can download custom vehicles that show your location on the map Battery life: External power only (no battery) Bluetooth Wireless Technology: Connect to your phone for hands-free calling Dimensions: W14.3 x H9.4 x D2cm Weight: 263.3g 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

White Pearl Damask Small Wedding Photograph Album, at Marks & Spencers
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33 mm Box: H168 x W215 mm x D40 mm

Cheeky Monkey Mirror Card, at M&S
Cover text: Happy birthday, Thought you'd like a card with a cheeky little monkey on it... Inside message: So here you are! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

Tatachilla Partners Cabernet Sauvignon/Shiraz 2006, South Australia - Case of 12, at Marks & Spencer
Style: Dry, medium bodied Grape Variety: Cabernet Sauvignon, Shiraz Country: Australia Closure: Screwcap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 14.5% Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Wool Rich Single Breasted 3 Button Jacket, at M&S
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques

M&S Café Torino, at M&S
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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

5 Pairs of Cotton Rich Assorted Bright Stripe and Spot Socks, at Mark's & Spencer
The stripe design adds a stylish touch to these comfortable cotton rich socks

Per Una Long Sleeve Crochet Scarf Cardigan, at M&S
A casual long sleeve cardigan in textured fabric featuring a crochet knitted scarf

Panasonic NN-E225MBBPQ 800W Compact Microwave, at Marks and Spencer
Oven capacity: 19 litre Output power: 800W Auto programs: 9 Turn table size: 24.5cm Control panel: Touch Interior dimensions: W31.5 x D29.4 x H20.3cm Exterior dimensions: W45.5 x D31.5 x H26cm Exterior Colour: Silver Accessories: Turntable (round glass tray) Features: Child lock Weight: 11.5 kg Minimum Energy Consumption when oven is plugged in: 1.47 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

Pure Cotton Short Sleeve Floral Print Shirt, at Marks and Spencers
Pretty and feminine, this short sleeve shirt is made from pure soft cotton. The floral print adds a fashionable finishing touch

Limited Collection Bow Court Shoes, at Marks and Spencer
Heel height: 55mm Round toe Bow detail Slip on Court style Mid heel Comes in sizes 3-8, including half sizes

Per Una Short Soft Sleeve Top, at Marks & Spencers
A smart short sleeve top in a soft stretch fabric featuring a scoop neck and ruched detail

T345623S, at Marks & Spenser
Manufacturer: Marks & Spencer

Suzie Damask Jacquard Pencil Pleat Curtains, at Marks and Spencer
Standard width: 168cm / 66in Wider width: 219cm / 86in Three drop lengths:Short: 137cm / 54in Medium: 183cm / 72inLong: 229cm / 90in Pencil pleat Lined How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Artificial Allium in Glass Vase, at Marks and Spencers
Artificial allium Coloured glass vase Height: 69cm, Manufacturer: Marks & Spencer

Single Breasted Water Repellent Mac, at Marks and Spenser
Practical and fashionable, this single breasted mac is outstanding value! It features a button cuff detail

Lightweight Pure Silk Large Giraffe Print Scarf, at Marks and Spencer
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The giraffe style pattern and contrast edge design add a stylish finishing touch

Limited Collection Contrast Handle Tote Bag, at M+S
Get bags of style! This tote handbag is a fabulous fashionable accessory. Handy compartments make it useful and practical too

Pure Silk Woven Stripe Tie, at Marks and Spenser
Add a luxurious finishing touch with this smart stripe tie in pure silk

There are lots of ways to save money using M&S Finance. Not least of these is Marks n Spencer Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor 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 Motor Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Money, you get more, and you pay less.