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 Buildings & Contents 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 Buildings & Contents 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.

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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spensers, 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

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 & 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Perfect Cotton Rich Long Sleeve Shirt, at Marks & Spencers
A well cut shirt is a wardrobe staple. Ours has a touch of stretch for extra comfort and it's great value, too

Lotus Flower Pillar Candle, at Marks & Spencer
Lotus flower fragrance Ribbed design Includes shallow holder Burns upto 50 hours, Manufacturer: Marks & Spencer

Step Ladder Bookcase - Espresso, at Marks & Spensers
H190 x W60 x D39.5cm Lean-to shelving unit Crafted from rubberwood Delivered flatpack due to size Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Mirrored Side Table, at M&S
H50 x W48 x L48cm Mirrored effect finish Delivered flatpack due to size 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 , Manufacturer: Marks & Spencer

Older Boys' Shark Embroidered Swim Shorts, at Marks & Spencers
Fun and fashionable, these lined shorts fit comfortably and securely. A shark embroidered design adds a fab finishing touch

Pure Cotton Funnel Neck Stitch Detail Belted Coat, at Marks & Spencers
Update your look with this fashionable funnel neck belted coat. A contemporary style that will bring a fresh twist to smart and casual looks.

5 Pure Cotton Briefs, at Marks & Spenser
Practical and fashionable, this 5 pack of cotton briefs feature a centre bow and scalloped trim

21 Blu-ray DVD, at Marks and Spencers
Rating Suitable for 12 years and over,

Easycare Satin Check Short Sleeve Shirt, at Marks&Spencer
This easycare shirt has a smart and cool satin check design. Short sleeves will take the heat off in the summer

Dahlia Shade, at Mark & Spencers
Cylinder shade Floral design Contrast trim Dimensions: H25 x D35.5cm Bulb: Max 60W compatible with energy saving bulbs 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

Jacquard Patchwork Curtains, at Marks and Spencer
Pencil pleat Patchwork jacquard design Fully lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Suede Tramline Shoes, at Marks and Spencers
Square toe Tramline feature Stitch detail Lace up Flat

Per Una Open Weave Scarf, at Mark & Spensers
Keep out the chills in fashionable style with this warm, soft scarf. With its fluffy texture it adds a fabulous finishing touch to your new season's look.

Traditional Round Wall Clock, at Marks&Spencer
Traditional design Round face Roman numerals Dimensions: H32 x W32 x D8cm Slogan: Helping to preserve England's endangered species of Flora & Fauna, Manufacturer: Marks & Spencer

Limited Collection Modal Blend Lace Trim Shorts, at Marks & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from modal blend and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pin Dot Underwired Padded Multiway Bra, at M&S
Smooth and versatile, this pin dot bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Collezione Pure Silk Multi Stripe Tie, at M+S
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Magic Shaper 40 Denier Shine Shorts, at Marks & Spencers
These tights work like magic to make the most of your figure. Special support zones shape hips, thighs and bums and a clever front panel flattens tummies

Autograph Silk Rich Pleated Shorts, at MarksandSpencer
Elegant and feminine, these flattering shorts are made from luxurious stretch silk. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Collezione Luxury Wool Rich Flat Front Trousers, at M&S
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 these trousers to give you a feeling of luxury like no other

3 Angel Cotton Rich Assorted Shorts, at Marks and Spencer
Cute and trendy, this pack 3 cotton shorts makes a great way to stock up on essential style

Per Una Speziale Trio Eye Colour, at Marks and Spencer
Use dry for a soft colour finish Use wet for a more intense look 3 colours Hypoallergenic

Berry Crush Performance Vest, at Mark & Spensers
Ideal for active wear, this Performance top incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Girls' Limited Pure Cotton Studded Vest, at Marks & Spensers
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

5 Plain Shorts, at Marks n Spencer
Embrace flattering everyday comfort with the high leg cut and easy to care for fabric of these great value shorts. A fantastic addition to your underwear drawer

Large Outdoor Barrel, at Marks n Spencer
This square wooden barrel is packed with goldcrest conifer, geranium, lavender and hedera. A charming planter, ideal for brightening gardens, courtyards or patios Available for delivery until 30th September 2009

2 Pairs of 15 Denier Shine Bodyshaper Tights, at M&S
Bodyshaper tights are made to shape and lift your curves for a firm sculpted look. Added stretch moulds your figure for a more defined silhouette

Silver Plated Ying Yang Pendant Necklace, at Marks & Spenser
Clasp fastening Adjustable length Ying yang pendant Necklace length 41cm, extendable by 8cm

My First Bible, at Marks and Spencer
From Noah's ark to the Story of Easter, the Bible's best-loved stories are re-told alongside beautiful illustrations. Perfect for reading aloud to your child or grandchild, with fun activities

3D Rosebud Cushion - Cream, at Marks & Spensers
L43 x W43cm 3D rose applique design Pure Cotton, Manufacturer: Marks & Spencer

When you're shopping at MarksandSpencer 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 Financial Services. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Car Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

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