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.

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 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, 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 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.

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

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Pink, at M & S
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display:19 inch flat screen, resolution: 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast Ratio: 4000:1 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: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Perfect Autograph Cotton Rich Stormwear™ Military Mac, at Marks n Spencer
This mac has it all. Water repellent, with a Stormwear finish and fully lined for warmth, it's stylishly cut, too, with a sim fit and military detail

Autograph Pure Silk Christening Dress, at M & S
Beautifully embellished with floral embroidery, this special dress is so pretty. The soft silk will keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Spinsanti Chardonnay 2008 - Case of 12, at M & S
Grape variety: 100% Chardonnay Country of origin:Argentina Closure: Natural Cork Suitable for vegetarians and vegans Bottle:12 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

5 Pairs of Long Pelerine Socks, at Marks & Spencer
With enough pairs for everyday of the school week, start the school term in comfy style with the soft fabric and easy to care for design of these great value pelerine socks

Signature Natural Cotton Room Spray, at M&S
15ml Deodorising spray Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harlequin Spots Large Gift Bag, at Marks and Spencer
Pack Contains: 1 gift bag Approx Size: H: 420 mm, W: 300 mm, D: 100 mm

Parisian Chic Shopping List, at Marks & Spencer
Contents: 1 magnetic shopping list (approx. 30 sheets of paper), 1 black ink pen (non refillable) Dimensions: 135 x 255mm

Portfolio Geometric Print Bangle, at Marks and Spencer
Chunky style Geometric print

Autograph Angel Sleeve Top, at Marks and Spencers
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

2 Soft Touch Dacron® Medium Non Allergenic Support Pillows, at Mark's & Spencer
Soft to the touch and non allergenic, our Dacron filling is machine washable and lightweight Super-soft dacron filling 2 pillows Non allergenic Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Minnie Mouse Top, at Marks & Spencers
Fans of Disney will love this long sleeve cotton top featuring Minnie Mouse. A practical, easycare style

Bunny Helps Out Book, at M&S
Bunny is helping to hang out the washing, when the wind blows and whisks it all away. How will Bunny ever get the washing back? Follow him on his chase through the woods and meet the animals he sees along the way

Low Rise Shorts, at Marks and Spencer
These exceptionally soft comfortable shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and low rise style give a sleek, shapely look. Designed for women who want a streamlined silhouette

Plain Slip-On Basic Mules, at Marks & Spencer
Relax in style and comfort in these soft mule slippers. Machine washable for added convenience

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

Peep Toe Slingback Shoes, at Marks & Spenser
Peep toe Slingback style Bow feature Wedge heel Heel height 7cm Comes in sizes 3-8, including half sizes

Per Una Cowl Neck Smock Dress, at Marks and Spencer
A beautiful cowl neck smock dress featuring a floral print

Older Boys' Cotton Rich Motor Hero Shorties, at Marks n Spencer
Made from comfortable, breathable cotton, these motor hero shorties are outstanding value

Velour Hooded Stripe Zip-Up Top, at Marks and Spencers
Stylish and practical, this great looking hooded top is comfortable, easycare and easy to move around in

Limited Collection Cross Body Bag, at Marks & Spensers
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and zip fastening pocket. A practical and stylish accessory

Autograph Pleated Underwired Balcony Bra, at Marks & Spenser
Glamorous and sophisticated this balcony bra features a delicate embroidered design. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Pure Silk Multi Stripe Tie, at Marks and Spencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Girls' Fashion Schoolwear - 2 Pure Cotton Short Puff Sleeve Blouses, at Marks & Spencer
This 2-pack of short puff sleeve blouses makes a practical and fashionable choice for school. Hardwearing and easycare

The Incredibles Collector's Edition DVD, at Marks and Spencer
Rating Universal, suitable for all,

3 Pairs of Argyle Ultimate Comfort Socks, at Marks and Spencers
Get a fabulous, fashionable look with these argyle design socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

Cotton Rich Low Rise Narrow Stripe Shorts, at Mark's & Spencer
Low rise shorts are perfect for wearing with hipster styles and these stylish narrow stripe shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Textured Tankini Top, at Mark & Spencers
Feminine and pretty, this flattering tankini is designed in the latest shape. Make a splash!

Sonoma 3 Drawer Bedside Table, at Mark's & Spencer
H60 x W45 x D45cm 3 drawer Elongated wooden handles Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats 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 manufacturers instructions, and be aware that polishes can add sheen10. 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

Puzz-Doku 150 Piece Jigsaw, at Mark & Spencers
Number of jigsaw pieces: 150 Approx. size of completed puzzle: 300 x 210mm This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

When you're shopping at Marks and Spencers 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 Property Insurance and Car Insurance, there's a lot more going on at Marks and Spencer 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."