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 Buildings 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 Buildings 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.

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

Besides Marks & Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Buildings Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spenser purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Buildings Insurance and Standard Buildings Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Country Bunch Family Home Card, at Marks & Spencer
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Platinum Plated Daisy Stud Earrings, at Marks and Spencer
Butterfly fastening Flower design Platinum plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Inlayered Rectangle Cufflinks, at M+S
Fashionable and contemporary, these cufflinks add a stylish finishing touch

Nail Polish Remover Pads, at Marks&Spencer
Gentle non-acetone formula to remove nail polish Contains 30 pads This product is not available for international delivery. Find out more

Autograph Horseshoe Buckle Belt, at Marks and Spencer
Combining smart practicality with elegant style results in a pure leather belt that's simply flawless in design

Talladega Nights Blu-ray DVD, at Marks & Spensers
Rating Suitable for 18 years and over,

Ribbon Trim Lattice Weave Hat, at Mark & Spencers
This stylish lattice weave hat is finished with a ribbon trim. Perfect for holidays or a sunny day

Stainless Steel Juicer, at Marks and Spenser
Grip handles Easy pour feature, Manufacturer: Marks & Spencer

Soft Vanilla Referesher Oil, at Mark & Spencers
Vanilla scented 15ml, Manufacturer: Marks & Spencer

Blue Harbour Ultimate Linen Short Sleeve Check Shirt, at Marks and Spencers
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

2 Machine Washable Apollo Ties, at Mark's & Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Autograph Weekend Cotton Rich Check Shirt with Silk, at Marks and Spencer
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

Pure Cotton Short Sleeve Bib Top, at Marks & Spencer
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a bib detail

Portfolio Frill Front Cardigan, at Marks and 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

Adjustable Braces, at Marks and Spencer
Add a smart finishing touch with these stylish adjustable braces

Perform °Climate Control Broad Brim Summer Hat, at M & S
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology. Perfect!

Autograph Leather Thong Punch Monk Shoes by Jeffery-West, at Marks and Spencer
Square toe Stitch detail Buckle fastening Punch design Block heel

Magic High Waist 15 Denier Shine Tights, at Marks and Spencers
Look slimmer in seconds with these shine Magic high waist tights. Special support zones shape hips, thighs and bums, and they feature a special tummy shaping panel and factor 6 leg support. 70% of our testers saw an instant reduction in their measurements

Dhalia Stripe Mug, at Marks and Spencers
Floral stripe design Slim handle Height 9.5cm, Manufacturer: Marks & Spencer

Cotton Rich Low Rise Star Print Bikini Knickers, at Marks and Spencer
Fun and flirty, these cute star print bikini briefs sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Leather Roll Bar Belt, at Marks & Spensers
Add a smart finishing touch with this leather roll bar belt

Mini Limited Pure Cotton Short Sleeve Zebra Top, at Marks and Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Roberts RD-45 FM RDS/DAB Portable Digital Radio in Silver, at Marks and Spencer
FM/DAB wavebands 9 station presets including favourite station button Easy to read 16 x 2 character LCD display Menu display/selection of all major functions Amber display backlight Line output, headphone and DC input socket Battery or mains operation via AC adaptor included Batteries 6 x LR14 (not included) W231 x H141 x D75mm, weight 780g 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

Blue Harbour Cargo Board Shorts, at Mark's & Spencer
Practical and fashionable, these board shorts give a comfortable, flattering and secure fit

M&S Nevada 3 Man Tent, at Marks and Spenser
2 - 3 man tent Suitable for year round use Easy to setup Taped seams Weather protected porch for storage or cooking Ventilated outer flysheet 3 inner tent pockets Zip fastening Mesh door Made from fire retardant materials Water repellent: 3000 hydrostic head 7.9mm fibre glass poles Breathable inner tent Dimensions of sleeping area: H120 x W205 x L205cm Storage area: 1.24m sq Carry case

Shimmer Butterfly Jewellery Box, at Marks and Spencer
This sparkling box makes a great gift for someone special, or why not treat yourself?

Long Sleeve Multiple Stripe Jumper Dress with Hat, at Marks and Spencer
Fashionable and contemporary, this jumper features a multiple stripe design and comes with a matching hat. A pretty, practical and easycare style

Per Una Pure Cotton Stripe Knitted Tunic, at Mark's & Spencer
A fabulous longline knitted tunic in pure soft cotton featuring a stripe design and rear waist tie feature

Hepworth Extending Dining Table, at Marks&Spencer
H75.5 x L175 x D90cm Extends to L215cm Seats 6-8 Comes with extension leaf to seat 8 Extension leaf is stored beneath the table top Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Solid European Birch legs Delivered flatpack due to size 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. SAVE ON SETS Save at least 25% when you buy this table with antiqued-leather chairs as part of a set. Click here to view the Hepworth Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Andante Square Dinner Plate, at M+S
Ideal for everyday use, durable Square edge design Diam 25.5cm, Manufacturer: Marks & Spencer

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