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

Ashbourne Recliner, at Marks & Spencers
H99 x W112 x D105cm (Reclines to L173cm) Seat H49cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Manual recline model Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 08457 624 624 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

2 Sheer & Opaque Minimiser Bras, at M&S
This gorgeous bra provides essential support for the fuller bust with a full cup and underwiring, while the minimiser design helps create a smoother, shapelier silhouette

Knee Length Stitch Detail Pencil Skirt, at M&S
Sleek and stylish, this knee length pencil skirt is designed for a shapely silhouette. A smart modern style

Autograph Leather Twin Strap Mid Heel Shoes, at Marks and Spenser
Almond toe Twin buckle strap Mid heel Lined Insolia technology Heel height: 5cm

Pure Cotton Stripe V-Neck Top, at Marks and Spencer
For casual elegance, you can't beat this v-neck striped top. A great value cotton essential

2 Easycare Short Sleeve Shirts, at MarksandSpencer
Combining great value with convenience, these short sleeve shirts make an excellent wardrobe staple

Checkerboard Cosmetic Bag, at Marks and Spencer
Rectangular Zip fastening Check pattern Side pouch

Petite Sleeveless Ponte Top, at Mark's & Spencer
Smart and stylish, this sleeveless ponte top features a deep v-neck. Specially designed and perfectly proportioned for the petite frame

Apple Design Mug, at Marks & Spenser
Apple design Slim handle, Manufacturer: Marks & Spencer

Footglove™ Leather Whip Stitch Detail Ankle Boots, at Marks & Spencer
Round toe Whipstitch detail Zip fastening Ankle high Block mid heel Heel height: 47mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Pure Cotton Edged Gingham Shirt, at Marks and Spencer
Smart and stylish, this edged gingham shirt is made from pure cotton

Autograph Essentials Sleeveless All-In-One, at Marks and Spencer
Beautifully designed and luxurious, this exclusive all-in-one is detailed with a tie fastening belt. A stunningly glamorous style statement, perfect for elegant occasions

Portfolio Olive Leaf Stamp Print Blouse, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Autograph Weekend Cotton Rich Bootleg Jeans, at Mark & Spensers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Autograph Contrast Block Court Shoes, at Marks and Spenser
Round toe Contrast toe and heel Slip on High heel Heel height: 8cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Pair of Bay Trees, at Marks and Spencer
A pair of evergreen bay trees for outside display. Also known as Laurel, wreaths of this aromatic plant were used by the Ancient Greeks and Romans to crown victors. Not only will these trees look fantastic in your garden or patio, the leaves will add extra flavour to your cooking tooAvailable for delivery from 1st April to 30th September 2009

Per Una Embroidered Jersey Top with Camisole, at Marks & Spencers
A gorgeous jersey top with camisole featuring an embroidered neckline and diamonte button detail

M400 Mattress - Firm, at MarksandSpencer
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Bali Paper Loom Weave Dining Chairs, at Marks and Spencer
H104 x W50 x D64cm Seat H43cm Sold as a pair Mango wood frame with cushioned seat This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Outstanding Value Polyester Bed Cover, at Marks and Spencer
Manufacturer: Marks & Spencer

Hooded Contrast Stripe Padded Gilet, at Marks and Spencers
Comfortable and practical, this warmly padded gilet jacket features a contemporary hood. Great for keeping out the chills

Wool Rich Check Belted Coat, at Marks and Spenser
This warm wool rich coat features handy side pockets and a flattering check design. Wear over this season's styles for a cosy, contemporary look

5 Pairs of Stitch Sole Trainer Liner Socks with Cool&Fresh, at Marks & Spensers
RealCool Cotton™ moves moisture to the surface of the fabric for rapid evaporation, helping your feet to stay cool, dry and comfortable all day long. Freshtech™ technology keeps them odour-free and a reinforced heel and toe gives extra durability

Star Print Dome Umbrella, at Marks & Spenser
This stylish umbrella features a wide canopy for extra protection from the elements, keeping you drier

Pure Cotton Long Sleeve Monster Top, at Marks & Spenser
Fun and fashionable this long sleeve top in soft cotton is outstanding value!

Pure Cotton Satin Edge Stripe Shirt, at Marks and Spencer
Smart and stylish, this satin edge shirt is made from pure cotton

Masquerade Stretch Bracelet, at Marks and Spencers
Wide style Marble stone effect Chunky design Stretch fit

Single Sprung-Edge Divan with 1 Small + 1 Large Drawer & Autograph M500 Mattress - Firm, at M+S
Single (3ft): W90 x L190cm Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer sizes: 1 x small H15 x W40.5 x D53cm, 1 x large H15 x W78.4 x D53cm Mattress and divan are anti-allergy No turn mattress This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Girls' Limited Pure Cotton Animal Print Top, at M&S
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

Woodland Owl Cot Mirror, at Marks&Spencer
Suitable from birth Interactive cot owl Includes a mirror tummy, squeaker and crinkly wings Double lined for safety, the stuffing in this product is incorporated in an extra layer This product conforms to EN71 and the Toy Safety Directive H27 x W28cm, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Mark & 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 Home 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 & Spencers, 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.