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 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 & Spencers 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 Mark's & 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.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks and 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 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 and Spenser, 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.

Classic Collection 3/4 Sleeve Paisley Print Blouse, at Marks and Spencer
Feminine and pretty, this 3/4 sleeve paisley print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic Collection

V-Neck Sleeveless Top, at Marks and Spencer
This sleeveless top has a stylish stitch detail. A key fashion essential this season

3/4 Sleeve Scoop Neck Top, at M&S
This pleated scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Headboard - Super King (6ft), at Marks & Spencers
H77cm (without struts) x W193cm (all dimensions are approximate) Upholstered in your choice of fabrics or leathers Designed to fit most standard divans Mattress and divan sold separately Detailed care instructions are included 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 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 samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 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

In Bloom Rose & Amber Fragranced Candle, at Marks and Spencers
Rose and amber fragrance Burns upto 20 hours, Manufacturer: Marks & Spencer

Clear Lake Cabernet Sauvignon 2007 - Case of 12, at Marks & Spencers
Style: Medium bodied Grape variety: Cabernet Sauvignon Country of origin: USA 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

Leaf & Buds Cushion, at Mark & Spensers
Square shape Leaf print L50 x W50cm, Manufacturer: Marks & Spencer

Footglove™ Widefit Vented Peep Toe Shoes, at Marks and Spencers
Peep toe Vented design Lace detail Slip-on Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Mareante Hill Organic Cabernet Sauvignon - Merlot 2006 - Case of 12, at Marks and Spenser
Style: Dry, oaked Grape variety: Cabernet Sauvignon, Merlot Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Buckle Shoes, at Marks and Spencer
Buckle feature Slip-on Mid heel Comes in sizes 3-8, including half sizes Heel height 74mm

Hand Finished Cecily's Garden Floral Multipack of Easter Cards, at Marks & Spencer
Cover text: Design 1: Easter wishes, design 2: with love at Easter, design 3: happy Easter Inside message: All designs, blank for your own message 6 cards, 3 designs Approx size: 145 x 70mm

Faux Crocodile Skin Double Handle Bag, at Marks & Spencers
Stylish and useful, this double handle bag features faux crocodile skin. A practical and fashionable accessory

Stylish Text Our Anniversary Card, at Marks and Spencer
Cover text: With love on our Anniversary Inside message: Blank for your own message Approx size: 220 x 220mm

Bold Floral Wallpaper, at Marks and Spencers
Printed wallpaper Straight pattern repeat 53cm - The pattern runs horizontally and matches at the seam of each adjoining roll across the wall. Every roll will be the same at the ceiling Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Printed wallpaper is not washable - sponge cleaning only 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

Chunky Weave Throw, at Marks and Spencer
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

Château La Roseraie Dumont 2007 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Merlot & Cabernet Country of origin: France Closure: Natural cork 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

Pure Cotton Short Sleeve Love Music T-Shirt, at Marks & Spencer
A motif design adds a fashionable touch to this pure soft cotton top

Pure Cotton Cubes Towels, at Marks and Spencer
Cubes design Plain, Manufacturer: Marks & Spencer

Volume & Lengthening Mascara, at Marks and Spencer
Volumises eyelashes Hypo-allergenic Lengthens lashes

Blue Harbour Short Sleeve Block Highlight Rugby Shirt, at M&S
Casual and relaxed, this stripe rugby shirt is made from a cotton rich fabric so it's soft, breathable and comfortable to wear

Pure Cotton V-Neck Cardigan, at Mark & Spensers
A practical choice for school, this soft pure cotton cardigan is easycare for convenience

Worsted Single Breasted Herringbone Jacket, at M+S
A style classic at a great value price, updated with a modern cut and contemporary detailing

Small Valentine Gift Bag, at Marks and Spenser
Contains: 1 gift bag with tag Approx size: H160 x W160 x D90mm

Autograph Pure Cotton Fine Stripe Polo Shirt, at Marks & Spensers
Casual and contemporary, this pure cotton polo shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Older Boys' Pure Cotton Camouflaged Cargo Shorts, at Mark & Spensers
A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature camouflaged print. A fashionable, easycare style

Girls' Limited Pure Cotton Multi Stripe Dress, 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

Pure Cotton Ottoman Placemat, at Marks & Spensers
Ribbed design Rectangle shape, Manufacturer: Marks & Spencer

Wavy Die Cut New Job Card, at Marks & Spencer
Cover text: New Job ... Hurray! ... Well done! ... Yipee! ... You star! ... Congratulations! Inside message: Congratulations! Approx size: Unfolded: 150 x 150mm

Coloured Glass Collection - Small Hurricane Lamp, at Marks n Spencer
H18 x Diam 13.5cm Thick base Coloured glass Candle and sand included Hurricane lamp style, Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Shirt, at Marks & Spenser
Stylish and contemporary, this pure cotton shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you won't find it anywhere else

When you're shopping at MarksandSpencer 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 Home Insurance and Motor 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."