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

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 & Spensers are so useful. M&S Finance financial products are, of course, designed to make Marks & Spenser 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 Finance 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

M&S Finance 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 Finance 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 and Spenser 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, Sainsburys, or Tesco:

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

Formula Calming Night Cream + Vitamin E, at M & S
Suitable for all skin types Fragrance free Hypoallergenic 50ml

Autograph Essentials Ponte Wide Leg Trousers, at M+S
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Ceramic Canoe Potpourri Bowl, at Mark & Spencers
Ceramic bowl Canoe shape H9 x L33cm, Manufacturer: Marks & Spencer

Ethnic Cateye Stretch Bracelet, at Marks & Spenser
Mixed bead design Stretch style

Silver Numbers 30th Birthday Card, at Marks & Spencer
Cover text: Party 30 Happy birthday Inside message: With love Approx size: 174 x 126mm

Salads For Summer, at Marks and Spenser
"Take the worry out of healthy menu planning with this collection of fresh, fast and simple salads for all occasions. You'll find tantalizing ideas for vegetable, fruit, meat, poultry and seafood salads that require minimum effort for maximum results. All the classic recipes are included, plus plenty of tempting new ideas, making this the most useful salad book to have in your kitchen."

Cotton Rich Bootleg Corduroy Trousers, at M & S
Flattering and feminine, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely silhouette. Added stretch gives the perfect fit

°Climate Control Cotton Rich Thermal Longpants, at Marks and Spencer
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Autograph Pure Silk Tie Made with CRYSTALLIZED™ - Swarovski Elements, at Marks & Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Autograph Weekend Pure Silk Blouse, at Marks and Spencers
Sophisticated and modern, this pure silk blouse is beautifully designed and cut to flatter for the best in contemporary style

PlayStation®3 Little Big Planet Game, at Marks & Spencers
Community-based game in which players meet on a planet scattered with individual plots Design, shape, and build both objects and entire locations for others to view and play Full of places to discover, creative resources to collect, and puzzles to solve Explore the massive single-player game or go online to find user-generated content Customizable characters, landscape, and more; online and offline multiplayer modes 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Everyone

Ultimate Crossword Puzzle Book, at Marks&Spencer
Contains over 600 crosswords, Manufacturer: Marks & Spencer

Sony Bravia 40'' KDL-40Z4500 HD Ready LCD TV, at Marks & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch LCD, 10 Bit Panel, 6.2 Mega Pixels, Picture Mode:14:9 Mode, 4:3 Mode, Screen Aspect Ratio: 16:9 Contrast ratios: Dynamic contrast 80000:1 Integrated Digital and Cable Tuners: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported operators only Dimensions: W100.5 x H70.5 x D27.9cm (including table top stand) Weight: 25.5kg (including table top stand) Surround Sound Effect: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force front surround technology Connectors: Digital audio output (optical), 3 x HDMI™ Inputs, PC Input (15pin D-Sub) + Audio In, 1 x Component Inputs, 1 x Composite Video In, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone), PCMCIA Card Slot, RCA Audio Out, 3 x RCA AV Input, RF In, 2 x Scart Inputs (RGB), BRAVIA Sync, DLNA Ethernet (Music/Photo), Digital Media Port BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour the way nature intended it to be seen 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xcross Media Bar: No more confusing menu screens thanks to our easy-to-navigate XrossMediaBar™ to browse all your TV functions Picture Frame Mode: When you are not watching TV, turn it into a digital picture frame with Picture Frame Mode. Fill the black hole in your living room by using your TV to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Control your entire home cinema set-up with just one click on the TV remote and access the menus on compatible peripheral devices such as Handycam camcorders thanks to BRAVIA Sync 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 T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sebo Airbelt K1 Komfort Cylinder Vacuum Cleaner, at Marks & Spensers
Excellent for carpet and hard flooring Includes dusting brush, turbo brush head and horse hair parquet brush, crevice nozzle and upholstery nozzle Anti-allergy design with British Allergy Foundation Approval Extra-long hose - 2.1 metres Dustbag capacity: 3 litres Vacuum weight: 5.5kg Triple microfiltration system 5 year parts and 2 year labour domestic use warranty Quiet operation Ideal for fibre and pet hair 2100 watt motor 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

Collzione Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencers
Italian style is renowned for its attention to detail. Each Collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

Smart Recycled Stormwear™ Trousers, at Marks & Spencer
These smart trousers are made from polyester from 100% recycled sources. They are treated with our unique Stormwear™ finish which repels water and stains

Pure Cotton Long Sleeve Cardigan, at Marks n Spencer
Soft and comfy, this lightweight knitted pure cotton cardigan is outstanding value. A fashionable easycare style

Bright Analogue Watch, at Marks and Spenser
Buckle fastening Round face Analogue

Leopard Print Pointed Toe Court Shoes, at Marks & Spencer
Pointed toe Leopard print Slip on Mid heel Heel height: 67mm Comes in sizes 8 and 9, including half size

Contrast Stitch Suede Trainers, at Marks & Spenser
Round toe Contrast stitch detail Lace-up Eyelets Contrast flat sole

Autograph Cross Strap Riding Boots, at Marks & Spencer
Round toe Cross strap buckle fastening Front seam Stitch detail Knee high Block heel

Sonoma Dark Double Wardrobe and 2 Bedroom Chests Set, at Marks and Spenser
3 piece set Wardrobe: H200 x W90 x D65cm 1 hanging rail and 1 shelf 2 doors and 1 drawer Chests: H60 x W45 x D45cm Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Elongated wooden handles 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 Handles made from solid wood Legs made from solid hardwood Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Double Contrast Strap Swimsuits, at Mark's & Spencer
Smooth and sleek, this fashionable swimsuit features a contrast double strap and plain print. Make a splash!

Dogtooth Print Crook Umbrella, at Marks and Spenser
Brighten up rainy days with this stylish lightweight umbrella

M&S 15'' Flat Screen LCD TV - Black, at Marks and 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

2 Machine Washable Micro Check Ties, at Marks & Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Per Una Embroidered Lightweight Jersey Skirt, at Marks and Spencers
A beautiful full length jersey skirt in soft stretch fabric featuring an embroidered detail

2 Pure Cotton Thomas & Friends T-Shirts, at Marks and Spenser
Fans of Thomas & Friends will love these cotton t-shirt featuring Thomas. A practical, easycare style

BT Freestyle 750 Cordless Phone with Answering Machine, at Marks & Spencers
GAP compatible 15 minutes recording time 50 name & number directory 10 number calls list 5 number redial list Low energy power supply and recyclable packaging 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

Autograph Stainless Steel Solid Spoon, at Mark & Spencers
Stainless steel Dimensions: W6.5 x L35cm, Manufacturer: Marks & Spencer

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 and Spencer 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 & Spencer, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.