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 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 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 & Spencer 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 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 & 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.

M&S Financial Services 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 Financial Services 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 M+S 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:

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

Portfolio Deep V-Neck Boyfriend Cardigan, at MarksandSpencer
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

Handcrafted Blue Flower Heads Mother's Day Card, at Marks & Spencer
Cover text: To a very special Mum on Mother's Day Inside message: Have a lovely day Approx size: 150 x 150mm

Detroit Dining Table & 6 Alton Damask Chairs Set, at M & S
7 piece set Table: H75 x W90 x D150cm Chair: H99 x W46 x D54cm Table seats 6 Damask print upholstery on chairs Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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

Pure Cotton Dog Motif Mock Layer Top, at M&S
Cute and comfy, this fashionable mock layer top is made from soft cotton.

Platinum Plated Diamanté Detail Baguette Ring, at Marks and Spencers
Add instant sparkling style with this gorgeous platinum plated ring, set with dazzling diamant.

Autograph Pure Cotton Long Sleeve Jersey Top, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

2 Autograph Plain Trunks, at Marks n Spencer
They're made from a cotton modal mix so you can enjoy the best in soft, lasting comfort

Per Una Styled Modal Rich Floral Padded Bra, at Marks & Spencers
Fresh and feminine, this feminine bra is made from a soft comfortable modal rich fabric. Soft padding and underwiring give support and an enhanced natural shape. Pretty everyday fashion

Cashmilon™ Long Sleeve V-Neck Jumper, at Marks and Spenser
Elegant and feminine, this jumper features a flattering V-neck. Stylish, practical and fashionable

Autograph Leather Hooded Parka, at Marks and Spenser
Beautifully designed and luxurious, this hooded parka is made from real leather. A sophisticated, contemporary look

2 Older Girls' Heart Trim Crop Tops, at MarksandSpencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Mongolian Sheepskin Cushion With Recycled Filling, at Marks & Spenser
Square shape Plain Dimensions: 43cm x 43cm, Manufacturer: Marks & Spencer

5 Older Girls' Pure Cotton Star Trim Assorted Shorts, at Marks & Spenser
Practical and fashionable, this pack of 5 cotton shorts feature star trim and assorted designs

Long Sleeve Bold Stripe Knitted Dress, at M&S
Soft and comfy, this long sleeve dress is made from cotton blend fabric and features bold stripe print. A fashionable easycare style

Autograph Light Control Lace Zip-Up Waspie, at Marks & Spenser
A great shape for those who want the appearance of an enviable hourglass figure, this waspie waist cincher shapes your waist and tummy. Perfect for giving a feminine and controlled shape under dresses. Beautiful exclusive lingerie

3 Photo Frames 10 x 15cm (4 x 6"), at Marks & Spencers
Pack of 3 Removeable mount card Wood stand Rectangular frame Frame dimensions: H24.5 x W19cm Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Autograph Plaited Weave Leather Belt, at Marks and Spenser
A taste of safari beckons with this distinguished plaited leather belt. The perfect stylish finish to chinos

Per Una Chiffon Floral Crinkled Dress, at Marks and Spencers
A colourful crinkled dress featuring front button detail, finished with a scallop trim

Cute Kitten Birthday Card, at Marks & Spenser
Cover text: Have a lovely Birthday Inside message: blank for your own message Approx size: 174 x 126mm

Baby Bunny Stripe Flat Sheet, at M&S
Stripe design Baby bunny motif Wide Trim Pure Cotton, Manufacturer: Marks & Spencer

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

Pure Cotton Tonal Stripe Towel, at Marks n Spencer
Tonal stripe design, Manufacturer: Marks & Spencer

Blue harbour Moleskin Jacket, at Marks and Spencer
Practical and fashionable, this Blue Harbour single breasted jacket is outstanding value!

Perfect Scorpius Hard Small Rollercase, at Marks&Spencer
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

Single Breasted Mid Length Jacket, at Marks n Spencer
Smart and stylish, this wool blend jacket makes a fashionable and practical choice

Les Pierblancs Sauvignon Blanc 2007 - Case of 12, at M&S
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per 125ml: 1.6 Alcohol units per bottle: 9.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Short Sleeve Roll Neck Top, at Marks & Spenser
Chic and modern, this roll neck top is made from softly draping stretch viscose for a fluid look. The stripe design adds a fashionable finishing touch

2 Fairtrade Cotton Rich Thin Strap Vests, at Marks & Spensers
Look below to see a video clip about Fairtrade Stylish and practical, these strappy vests make an ideal choice for everyday wear. The soft cotton fabric gives a comfortable flattering fit. They're made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

Grandson's Favourite Things Birthday Card, at Marks & Spensers
Cover text: Happy Birthday Grandson Inside message: Have a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Heart Mesh Lace Trim Hipster Knickers, at Marks & Spenser
Pretty and feminine, these hipster briefs are extremely comfortable to wear and give good coverage at the front and back

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and 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 Motor Insurance from M+S Money, you get more, and you pay less.