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 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.

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 MarksandSpencer 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, Sainsbury's, or Tesco's:

• 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.

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

Pearl Effect Waterfall Necklace, at Marks & Spensers
Pearl effect beads Multi strand design Adjustable length with clasp fastening Length: 41cm

Petite Single Breasted 3 Button Jacket, at Marks and Spencers
Modern and stylish, this single breasted jacket is beautifully designed for a flattering, sophisticated look. Specially designed and perfectly proportioned for the petite frame

Watercolour Floral Calendar, at Marks and Spencer
Month to view Dimensions: 150 x 400mm

Per Una Modal Rich Short Sleeve Diamond Top, at Mark & Spencers
A fashionable short sleeve top in soft stretch modal featuring chiffon diamond embellishment

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at Marks and Spencers
Fun and practical, this cute 2-piece outfit features a giraffe print. It's made from soft pure cotton to keep him comfy. Part of our fabulously stylish Limited Collection

Bob The Builder Magnet Book, at Marks and Spencer
Fun and stimulating, this magnet book will keep them entertained and help develop imagination and hand-eye coordination

Autograph Weekend Cowl Neck Square Print Top with Camisole, at MarksandSpencer
Sophisticated and modern, this cowl neck top is beautifully designed and cut for a flattering shape and features a stunning overlap square print

Cotton Blend Long Sleeve Hooded Top, at M & S
Ideal for your workout or when you just want to relax, this hooded top is made with added stretch for a comfortable fit and ease of movement.

Ribbon Hat, at Marks & Spenser
Keep ahead of the trends with this contemporary ribbon sunhat, an essential look for style in the sun

Blue Harbour Pure Cotton Long Sleeve Oxford Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this Oxford stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Autograph Milan Double Towel Rail, at Marks & Spencer
Double towel rail H7 x W49.6 x D12.87cm, Manufacturer: Marks & Spencer

Autograph Weekend Water Repellent Long Sleeve Parka, at Marks&Spencer
Modern and stylish, this funnel neck parka features water repellent finish. A contemporary style in superior fabric, it will instantly update your wardrobe

Hastings Double Wardrobe & 10-Drawer Chest Set, at Marks & Spensers
Wardrobe: H188 x W96 x D54cm 10 drawer chest: H94 x W159 x D44cm Wardrobe has 1 hanging rail and 1 shelf 10-drawer chest has 4 top drawers & 6 wide drawers Crafted predominantly from solid pine and fibreboard 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

Blue Night Shiraz Cabernet 2007 - Case of 12, at Mark's & Spencer
Style: Full bodied Grape variety: Cabernet Sauvignon, Shiraz Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. 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

Per Una Sleeveless Ruffle Top, at Marks and Spencer
A fashionable sleeveless top featuring front ruffle detail

Small Glass Candle Holder, at Marks and Spencer
Tall candle holder Cut glass design Dimensions: H22cm, Manufacturer: Marks & Spencer

Classic Broderie Lace Detail Full Briefs, at Marks n Spencer
These pretty broderie lace briefs are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Dine In Dozen - Case of 12, at Marks and Spencer
2 Domaine Mandeville Sauvignon Blanc 2007: A fruity Sauvignon Blanc from the South of France, with juicy citrus and gooseberry flavours, finishing on a fresh, crisp note... 2 Ctes du Rhne Blanc 2008: With its appealing aromas of honeysuckle and baked pears, this soft and gently spicy white is classic Ctes du Rhne at a fantastically affordable price... 2 Macon Villages 2007: A fresh and fruity white made from 100% Chardonnay, with a really appealing, lively scent of apples and lemons and a hint of ripe, rounded peach on the finish... 2 Chteau de Balan Bordeaux 2006: A very well balanced claret with an aroma of blackcurrants and a hint of chocolate... 2 Domaine Mandeville Shiraz 2007: This is a beautifully smooth, ripe, flavour-packed, single estate French red... 2 Ctes du Rhne rouge 2007: With its bright cherry flavours and floral, savoury scents, this is a scrumptious modern-style Ctes du Rhne... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pleated Cross-Body Bag, at Marks and Spencers
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and front pleat design. A practical and stylish accessory.

Pure Cotton Embroidered Number Joggers, at Marks & Spencers
Relaxed and comfortable, these casual joggers are made from soft cotton and feature an embroidered number feature. A practical easycare choice

Soft Touch 4.5 Tog Dacron Duvet, at Marks & Spenser
4.5 tog, Manufacturer: Marks & Spencer

Collezione Luxury Wool Single Pleat Trousers, at M+S
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Formula Skincare For Men 24 Hour Moisturiser, at Marks and Spencer
50ml

Red Damask Throw, at Marks and Spencer
Damask design Tasselled trim Small: W150cm x L200cm Large: W230cm x L240cm, Manufacturer: Marks & Spencer

Bacon, Leek & Vintage Cheddar Puff Pastry Tart, at Marks and Spencers
Serves 4-6 Ready to cook 400g As featured on page 21 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Short Sleeve Bold Abstract Print Dress, at Mark & Spensers
Make a fashionable statement in this godet insert dress featuring a bold abstract print. Added stretch and a great cut give a figure-flattering fit

Extending Table Lamp & Lampshade, at Marks & Spencer
Fabric shade Adjustable height Round base Diameter: 28cm Hieght: 64cm Bulb: 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Contemporary Metallic Wall Clock, at Marks & Spencer
Plain face Wall mountable Metallic circle design, Manufacturer: Marks & Spencer

Glass Column Table Lamp, at Marks and Spenser
Glass column stem feature Square base This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Dress Grandma Birthday Card, at Marks&Spencer
Cover text: Happy birthday to my wonderful Grandma Inside message: Blank for your own message Approx size: 178 x 126mm

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

• M&S Insurance: M&S Motor 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 & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

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