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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spenser once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spenser, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Besides M&S Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household 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 Mark & Spencers purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Household Insurance and Standard Household 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.

Autograph Pure Cotton Royal Oxford Shirt, at Marks n Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Cross Dye Bedcover, at Marks and Spencer
Quilted design Medium: L150 x W200cm Large: L260 x W265cm, Manufacturer: Marks & Spencer

5 Real Cool Cotton™ Bathing Belles Shorts, at M&S
These assorted low rise shorts are made from RealCool Cotton™, an innovative high performance cotton fabric which keeps you cool, dry and comfortable

Frame Holy Communion Card, at Marks & Spensers
Cover text: On your holy communion Inside message: Blank for your own message Approx size: 174 x 126mm

Autograph Pure Cotton Cargo Trousers with Belt, at M & S
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

Boy Shorts Tankini Bottoms, at Marks and Spencer
Fresh and pretty these flattering tankinis bottoms are designed in the latest shape. The ultimate in poolside glamour

The Cotton Collection Cotton Bud Handwash, at Marks and Spencer
Moisture rich handwash 250ml bottle with pump

Clear Glass Coffee Table, at Mark & Spencers
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

Collezione Single Lock Leather Briefcase, at Marks and Spenser
Sophisticated and luxurious, this leather briefcase is inspired by Italian style

Cashmilon™ Long Sleeve Cardigan, at Marks & Spencer
Fashionable and flattering, this long sleeve cardigan is made from supersoft cashmilon™ and features a button fastening

Textured 2 Button Slim Leg Trousers, at Mark & Spensers
Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. The textured look adds a fashionable update

Younger Boys' Lizard Sunglasses, at Marks & Spencer
Fashionable and fab, these lizard sunglasses give 100% UV protection for safer style in the sun

Autograph Merano 2-Seater Unit (Left-Hand Arm), at Mark's & Spencer
H84 x W172 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options have reversible cushions Available in fixed cushion covers only 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 Glide feet with a dark finish All of our fabrics are treated with Stain-Defence™ - 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

Portfolio Pure Silk Floral Print Dress, at Marks & Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

3 Younger Boys' Cotton Rich Monster Trunks, at Marks & Spenser
Comfortable, practical and fashionable, this pack of 3 trunks is made with soft breathable cotton.

Wooden Alphabet Frame, at Mark's & Spencer
Suitable for ages 1-3 years This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Bonded Leather Collection - Magazine Rack, at Marks and Spencer
Glossy magazine rack Handles at either end H24.3 x W41 x D20.7cm, Manufacturer: Marks & Spencer

Traditional Bamboo Handle Umbrella, at Marks & Spenser
A traditional men's umbrella with a traditional bamboo handle for those who want some luxury in their life, it has gilt metal trim on the ferrule and bottom of the handle, suitable for everyday use

Adored Lily Embroidered Non Padded DD-G Bra, at Marks & Spencers
Pretty and elegant, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear

Satin Trim Camisole, at Marks and Spencer
A simple design provides the perfect finish to the snug, easy to care for fabric of this wardrobe staple. Ideal for sleeping, layering under your favourite tops or simply wearing on its own

Little Acorns Large Gift Bag, at Marks & Spencers
Contains: 1 gift bag H420 x W305 x D150mm

North Coast Fairtrade Cotton Textured Shirt, at Marks and Spencer
Look below to see a video clip about Fairtrade Fairtrade certification shows that suppliers have been paid a fair price for their products and their work. Buying Fairtrade helps support farmers in developing countries and their communities

Spot Print Lace Back High Leg Knickers, at Marks&Spencer
A great style for making your legs look longer, these lace knickers are designed with a flattering high cut

Travel Shoe Bag, at Marks and Spencers
Prevent scuffs and marks on your favourite shoes, by placing them in this funky shoe bag

Linen Blend Sleeveless Shell Top, at Mark's & Spencer
This sleeveless top will make a useful addition to your wardrobe. It features pretty pintuck detailing for a stylish casual look

Gold Plated Simple Twist Pendant Necklace, at M & S
Fine chain Clasp fastening Simple twist pendant Length: 40cm Extender: 7.5cm

Stitched Flowers Wedding Card, at Marks and Spencer
Cover text: Wedding Inside message: Blank for your own message Approx. size: 175 mm x 127 mm

Magic Loc Collection Robe Hook, at Mark's & Spencer
Single hook Wall mounted This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sony DSC-H20 Digital Camera, at Mark & Spensers
Pixels: 10.1 megapixels Zoom: 10x optical zoom lens, up to 57x (with VGA) smart zoom, approx. 20x(Total)precision digital zoom Screen: 3 inches LCD monitor type: TFT ISO Sensitivity (REI): Auto,100, 200, 400, 800, 1600, 3200 CCD Type: Super HAD CCD Flash Mode: Auto, Forced Flash, Slow Syncro, No Flash Scene Selection: Twilight, Twilight Portrait, Twilight using a tripod, Backlight, Backlight Portrait, Landscape, Macro, Portrait Recording Media: Memory Stick™ Duo, Memory Stick PRO Duo™. Memory Stick PRO Duo™ High Speed, Memory Stick PRO-HG Duo™ (same speed as PRO Duo), Internal memory (11MB) Recording Format: JPEG, MPEG4 Battery System: Lithium G Supplied Battery: NP-BG1 Stamina (battery life) with the supplied battery(s) in normal shooting condition: 290 shots, 145min (CIPA standard with LCD screen on) Supplied Software: Picture Motion Browser Ver.4.2 (Windows only) + Music Transfer Supplied Accessories: Rechargeable battery pack (NP-BG1), Battery Charger, Multi Connector Cable, Wrist Strap, CD-ROM, Lens Cap Includes: Camera, European warranty card, quick reference guide, multi connector cable, lens cap, battery charger, instruction manual 10.1 effective megapixels resolution for very high quality imaging and detail-packed enlargements BIONZ processor delivers fast shooting responses and high-resolution images Powerful 10x optical zoom Carl Zeiss Vario-Tessar lens Optical SteadyShot image stabilization for reduced camera shake with handheld shooting, especially in low light or at high zoom settings 3-inch Clear Photo LCD Plus screen (230k dot resolution) Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection and Selected Face Memory Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes HD output to view video and still images on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV Dimensions: H7 x W11 x D5cm Weight: 250g (279g with accessories) 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

Heavy Sole Boat Shoes, at Marks and Spencer
Lace-up Round toe Lace stitch design Contrast stitch detail Heavy cleated soles

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 Marks & 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.