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.

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 & Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks and Spenser 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, Property Insurance policies. Usually, UK Property 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 Finance Property 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks n Spencer 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.

Lichfield Media Unit, at Marks & Spencers
H50 x W117 x D40cm Equipment space: H14 x W84 x D33.5cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Shelves made from White Oak veneer Side panels are veneered 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 sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Metallic Blue Medium Gift Bag, at M+S
1 gift bag Approx size: H260 x W200 x D90mm

5 Older Girls' Pure Cotton Hello Kitty Shorts, at Marks & Spencers
A must for fans of Hello Kitty, these shorts feature assorted Hello Kitty designs

Limited Collection Asymmetric Strap Shoes, at Marks & Spensers
Almond toe Asymmetric strap Faux snake print High heel Heel height: 85mm Comes in sizes 3-8, including half sizes

Freshfeet Paisley Lined Full Slippers, at M+S
Round toe Paisley lined design Flat sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Harvard Anti-Perspirant Deodorant, at M+S
200 ml This product is not available for international delivery. Find out more

Cashmilon™ Long Sleeve Knitted Cardigan, at M+S
Fashionable and flattering, this knitted cardigan is made from supersoft cashmilon™ and features a deep v-neck

Sprung-Edge 1 Small & 1 Large Drawer Single Divan & Autograph M500 Mattress - Medium, at Marks & Spencer
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 This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer No turn mattress Mattress and divan are anti-allergy, Manufacturer: Marks & Spencer

Amazing Dinosaur Discovery Book, at Marks and Spencers
Join Tom and his Dad on a trip to the Dinosaur Museum. Peep inside his scrapbook to read fun facts, uncover the meaning of dinosaur names and pull the tabs to make them come alive. Helps kid's learn more about the mysterious world of dinosaurs

Burra Brook Chardonnay 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Girls' Limited Pure Cotton Pocket Tunic, at Mark & Spencers
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

Tree Silhouette Wallpaper, at Marks and Spenser
Paste-the-wall wallpaper - printed on special non-woven paper, when hanging this wallpaper the paste is applied directly to the wall. Easier to handle when dry and no need for a pasting table Offset pattern repeat 64cm - The design elements in the pattern run diagonally across the wall, so only alternating rolls should be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Age Defence Radiance Energising Mask, at M & S
75ml Suitable for all skin types Hypoallergenic

Cream and Black Thank You Cards - Pack of Ten, at Marks and Spencer
Inside message: Blank for your own message 10 cards, 1 design Approx size: 155 x 110mm

Giant Playing Cards, at Marks and Spencer
Contains: 54 playing cards, including 2 jokers, instruction leaflet Each card: 187 x 135 mm

Olympus µ Tough Digital Camera, at Marks & Spenser
Effective pixels: 10 Megapixels, Optical zoom: 3.6 x (WIDE), Digital Zoom: 5 x / 18 x combined with optical zoom LCD: 6.9 cm / 2.7 '', LD backlight boost: Yes, auto focus with contrast detection, Image Stabilisation Mode, Shadow Adjustment Technology, Advanced Face Detection Technology, Smile Shot Number of scene modes: 20 Sensitivity: Auto: AUTO / High AUTO Automatically selected; Manual:ISO 50, 100, 200, 400, 800, 1600 Internal Flash Modes: AUTO, Red-eye reduction, Fill-in, Off Movie Edit, Movie Processing, Image Editing, View Images, View Movie, Still Image Recording, Movie Recording System, Voice Appendage Memory: 42 MB for image data Menu languages in 39 languages, Speaker, DC input, Combined A/V & USB output, USB 2.0 High Speed, Freezeproof up to -10C, Self timer: 12 s Dimensions: W95 x H63 x D22cm Weight: 149 g (without battery and card) 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

Limited Collection Strappy Slingback Sandals, at Marks and Spencers
Open toe Strap front Elasticated ankle strap Slingback High heel 8cm

Autograph Wool Blend Single Breasted 2 Button Jacket, at Marks&Spencer
Luxurious and elegant, this smartly tailored single breasted jacket is part of our exclusive Autograph range

Le Cortiglie Falanghina 2007 - Case of 12, at M & S
Style: Full bodied Grape variety: Falanghina, 10% Trebbiano di Soave Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Woven Flap Purse, at Marks and Spenser
Fashionable and practical, this purse is a useful accessory with bags of style!

Purple Flower Luxury Wrap Pack, at Marks & Spencers
1 x sheet wrapping paper 1 x length ribbon 1 x gift tag Approx Size: Wrap: 685 mm x 98 mm. Tag: 115 mm x 65 mm. Ribbon: 2m

Pure Cotton Floral Print Pyjamas, at Marks and Spencer
Pretty and feminine, these floral print pyjamas are made from soft breathable cotton for a comfortable night's sleep

Perfect Stormwear™ Single Pleat Trousers, at Marks & Spencers
The perfect go-anywhere trousers, with a water repellent Stormwear finish and Lycra for added stretch and comfort

Girlie Dress Up Stickers, at M & S
3 sheets 75 stickers 205mm x 272mm

Generic Star Charm 50th Birthday Card, at Marks and Spencer
Cover text: 50 today Inside message: Have a fantastic birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125 mm

Blue Harbour Basic Crew Sweat Top, at Marks and Spencers
Every wardrobe needs a good value and comfortable crew top like this. Whether you wear it for the gym or to lounge around in, you'll love its soft and easy wearability

Maternity Ruched Front Bikini Top, at Marks and Spenser
Relaxed and casual, this ruched front bikini top is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Bright Watercolour Flowers Birthday Card, at Marks & Spensers
Cover Text: Birthday Wishes Inside Message: Have a wonderful day Approx size: 174 x 126mm

Pure Cotton Roll Up Broad Brim Hat, at Marks and Spencer
Express your stylish side with this wide roll up brim hat

Younger Boys' Pure Cotton Thomas & Friends© Slippers, at Marks & Spenser
Round toe Riptape fastening Contrast trim Thomas motif 2007 Gullane (Thomas) Limited

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencers 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 & 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 Motor Insurance from M&S Finance, you get more, and you pay less.