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 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.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Property Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spensers 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 & Spencers, 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, you get more, and you pay less.

Per Una Speziale Perfect Finish Foundation, at Marks & Spencers
Light to medium cover foundation Natural willow bark reduces irritation and aids cell renewal Light reflective particles minimise the appearance of fine lines and wrinkles Natural moisturisers keep skin supple and hydrated, giving a youthful appearance Hypo-allergenic 35ml SPF 15

Stainless Steel Zester, at Mark & Spencers
Hanging loop Stainless steel design, Manufacturer: Marks & Spencer

Sonoma Light Triple Wardrobe & 2 Bedside Chests Set, at Marks & Spencer
3 piece set Triple wardrobe: H200 x W130 x D65cm 1 hanging rail 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door Bedside chest: H60 x W45 x D45cm Elongated wooden handles Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with 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., Manufacturer: Marks & Spencer

2 Detroit Slat-Back Dining Chairs, at Marks and Spencers
H100 x W44 x D54cm Seat H48cm Sold as a pair Leather seat Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs 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. SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Detroit Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio Cross Over V-Neck Top, at Marks and Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

2 Sequin Hair Bands, at Marks and Spencer
Tie back those tresses in style with these fabulous hair bands

Silver-Plated Photo Frame with Double Mount 13 x 18cm (5 x 7''), at Marks & Spensers
Rectangular shape Double mount Removeable mount card Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Portofino 5-Piece Set, at Marks and Spencer
Set includes a table, two chairs and two cushions Table dimensions: H74 x Diam130cm Chair dimensions: H82.5 x W62 x D52cm All-weather synthetic rattan Table top made from toughened safety glass Plain, quick drying seat pads in 100% polyester Suitable for indoor or outdoor use Parasol pictured is not included This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sterling Silver Loop Bangle Bracelet, at Marks & Spencers
Loop fastening Plain Sterling silver This product is not available for international delivery. Find out more

Pure Cotton Plaid Shorts, at Mark & Spensers
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Collezione Twin Toe Cap Shoes, at Marks and Spenser
Round toe Gusset toe cap stitch Lace-up Block heel

2'' Longer Pure Cotton Ultimate Non-Iron Shirt, at Marks & Spencers
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

Styled Pin Dot Shorts, at Marks & Spenser
Sleek and stylish, these soft stretchy shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and shorts style give a modern, shapely look. Designed for a streamlined silhouette

Stain Defence™ & Stormwear™ Cargo Shorts, at Marks and Spenser
Smart and innovative, these fashionable cargo shorts are treated with Stormwear™ and Stain Defence™ technology, so they repel water and stains. An adjustable waist gives a perfectly comfortable fit for longer

Limited Collection Cotton Rich Cap Sleeve Top, at Marks and Spenser
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Per Una External Pocket Stitch Detail Shopping Bag, at Marks and Spencer
A patent finish makes this fashionable bag even more special. Give your look the Per Una twist!

Cuddle Bear Sleeping Bag, at M & S
Popper button fastening Embroidered bear design Tog rating 2 0-6 months: L68 x W47cm 6-12 months: L68 x W54cm, Manufacturer: Marks & Spencer

Single Breasted 3 Button Ribbed Jacket, at Mark's & Spencer
Fashionable and modern, this tailored jacket features button detail cuff. A smart and stylish choice

Per Una Short Sleeve Eccentric Lace Top Set, at Marks and Spencer
An elegant eccentric print lace top in soft stretch fabric featuring a camisole and necklace

Limited Collection Stud Ankle High Buckle Boots, at Marks and Spencer
Heel height: 51mm Round toe Stud detail 3 buckle fastening feature Ankle high Mid heel Comes in sizes 3-8, including half sizes

Tasmania Pinot Noir 2007 - Case of 6, at Marks and Spenser
Style: Dry, medium-bodied Grape Variety: Pinot Noir Country of origin: Australia Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Handmade Glass Bowl, at Marks&Spencer
Handmade Shallow dish Shaped edge Web design, Manufacturer: Marks & Spencer

Knock on Wood Sauvignon Blanc - Semillion 2008 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Sauvignon Blanc, Semillon Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Abstract Butterfly Print Flip Flop, at Marks & Spensers
Butterfly print Toe thong design Flat sole

Pure Cotton Retro Spot Nightshirt, at Marks and Spencer
Soft and breathable, this cotton retro spot nightshirt makes an ideal choice for a comfortable night's sleep

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

Disney My Friends Tigger & Pooh Story Collection Book, at Marks and Spenser
When Pooh and the gang take a break from painting the scenery for a stage show, they return to find some new colours on the set. But where did they come from? Ready the story to find out if another mystery will soon be history! Then, complete the activity pages at the end of the book. Includes stickers of all your favourite friends

Autograph Modern Napkin Ring, at Marks and Spencer
Chrome effect L11cm, Manufacturer: Marks & Spencer

Blue Harbour Stormwear™ + Jeans, at Marks & Spenser
Innovative and stylish, these smart jeans are treated with new Stormwear™ +, which combines our unique Stormwear™ finish with a stain repellent technology that'll keep dry and comfortable all day long

Firm Control Chevron Stripe High Waist Thong, at Marks and Spenser
This firm control thong shapes you where you need it most, flattening your tummy and nipping in your waist. The thong back is ideal under trousers and close-fitting clothes. The chevron stripe design gives a modern look

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 Mark & Spencers 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.