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 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 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 Mark's & Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks & Spencers 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 Finance 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 Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M&S Finance. Not least of these is Marks and Spencer 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 Mark & 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 Money Direct, you get more, and you pay less.

The Little Mermaid Special Edition DVD, at Marks & Spenser
Rating Universal, suitable for all,

Collezione Wool Rich Single Breasted 3 Button Stripe Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

3 Easycare Long Sleeve Shirts, at Marks and Spencer
This 3 pack of easycare long sleeve shirts is outstanding value! A school essential

Short Sleeve Ireland Football T-Shirt, at Mark & Spencers
A must for football fans! This official Ireland football t-shirt features the Irish motif. A modern easycare style in soft comfortable cotton

iPod Classic Leather Flip Case, at Marks & Spencers
Flip Case for iPod classic, the stylish leather case also features a handy popper fastening attachment allowing you to have easy access to your iPod. The leather case with its quality stitching protects your iPod in style. Compatible with all Apple iPod classics

2 Maternity Cotton Rich Nursing Bras, at Marks & Spensers
With drop down cups perfectly designed to see you through the nursing period, this supportive bra offers lasting comfort thanks to the soft, breathable qualities of a pure cotton weave

Per Una Pintuck Skirt, at Marks & Spencer
A casual knee length skirt in a soft cotton blend featuring a pintuck design

Long Sleeve Funnel Neck Hooded Jacket, at Marks & Spensers
Practical and fashionable, this hooded jacket is fully lined and features twin breast pockets. A comfortable, easycare style, machine washable for added convenience

Autograph Pure Silk Tie Made with CRYSTALLIZED™ - Swarovski Elements, at M+S
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Scroll Lattice Wallpaper, at Mark & Spensers
Printed wallpaper Straight pattern repeat 26.5cm - 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

Autograph Gift Set, at Marks and Spencer
Contains: Autograph eau de toilette 30ml Autograph hair and body wash 30ml Autograph Sports eau de toilette 30ml Autograph Sports hair and body wash 30ml

Olympus FE-5000 Digital Camera, at Marks & Spenser
Effective pixels: 10 Megapixels Zoom: 5 x Optical zoom Digital Zoom: 4 x / 20 x combined with optical zoom LCD: 6.9 cm / 2.7", LCD backlight boost: Auto focus with contrast detection, Image Stabilisation Mode, Shadow Adjustment Technology, Advanced Face Detection Technology Number of scene modes: 11 Sensitivity: Auto: AUTO / High AUTO Automatically selected; Manual:ISO 80, 100, 200, 400, 800, 1600 Internal Flash: AUTO, Red-eye reduction, Fill-in, Off Image Processing, Function Processing, Image Editing, View Images, View Movie, Still Image Recording, Movie Recording System, Voice Appendage Memory: 48 MB for image data(Internal) Menu languages: 39 languages Speaker, Combined A/V & USB output, USB 2.0 High Speed, Mechanical Image Stabilizer, Advanced Face Detection Technology, Perfect Shot Preview Self timer: 12s Dimensions: W97 x H57 x D26cm Weight:137g (without battery and card)

Ring Trim Bottoms, at Marks and Spencer
Feminine and fashionable, these flattering tankini bottoms are designed in the latest shape. A sleek, shapely look

Dyson DC14 All Floors Vacuum Cleaner, at M+S
Bin capacity: 2.7 litres Suction power: 280 airwatts (constant) Dimensions: H1101 x W339 x D345 mm Weight: 8.42 kg Root Cyclone™ technology: Patented technology that doesn't lose suction power as you vacuum Telescope Reach™ wand: Wand and hose extend for high reach and stair cleaning while the vacuum remains upright and stable Hygienic and quick to empty: Dyson design minimises risk of contact with dirt Max reach: 14.5 metres Cord length: 9.3 metres Included: Brush tool, stair tool, crevice tool, operations manual, quick start guide, Manufacturer: Marks & Spencer

Birthday Cake Gift Card, at Marks & Spencers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Things That Go! Stamper Book, at Marks & Spencer
Have fun together reading the simple text about things that go, then encourage your child to use the sturdy stamper to print pictures of their favourite machines

Mock Croc Gift Card, at Marks & Spencers
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Divan Sets - M500Z+L 2+2 DRW, at Mark's & Spencer
Manufacturer: Marks & Spencer

Bon Bon Table Lamp, at Marks & Spenser
Chrome plated steel Clear glass ball design Fabric shade H38 x Diam 18cm Suitable Light Bulb: 60W E14 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Silver Plated Tiered Heart Necklace & Earring Set, at Mark & Spensers
2 part set Hoop fastening earrings Clasp fastening necklace with adjustable length Tiered heart design

Bandeau Style Textured Swimsuit, at Marks and Spencers
Gorgeously feminine, this detachable strap swimsuit is designed to stay securely in place while you work on your tan. Designed to fit and flatter

Collezione Luxury Wool Rich Twin Pleat Trousers, at Marks&Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Autograph Essentials Vintage Rose Non-Padded Balcony Bra, at M+S
Glamorous and sophisticated, this elegant bra is made from soft fabric trimmed with fine lace. The flattering balcony style gives maximum uplift and a fuller shape. Beautiful exclusive lingerie

Curry Bible, at Marks&Spencer
With a huge variety of styles ranging from delicately spiced to hot and fiery, and from mild and creamy to fragrant and aromatic, it is perhaps no surprise that the curry is one of our nation's most popular dishes. Curry Bible aims to show just how simple it can be to create a range of tempting curry dishes from scratch using a combination of freshly ground spices and aromatic herbs. The carefully selected recipes bring together the familiar and the more exotic, and comprise dishes from across India and South East Asia, including Thailand, Malaysia, Indonesia, Vietnam, Sri Lanka and Bangladesh. Curry Bible contains over 95 easy-to-follow, step-by-step recipies, each accompanied by a stunning full-colour photograph of the finished dish. It is the perfect kitchen companion for anyone wishing to extend their culinary repertoire and enter the exciting and colourful world of spice.

Open Toe Star Mule Slippers, at Marks and Spencer
Mule style Open toe Flat sole Star print

Cats Slim Diary, at MarksandSpencer
Week to view 3D effect Dimensions: 165 x 80mm

Spot Print Frill Crook Umbrella, at Marks & Spencers
Brighten up rainy days with this stylish lightweight umbrella

Pure Cotton Short Sleeve Floral Print Shirt, at Marks&Spencer
Pretty and feminine, this short sleeve shirt is made from pure soft cotton. The floral print adds a fashionable finishing touch

Girls' Limited Hello Kitty Hat & Scarf Set, at Marks & Spencer
Snug and cosy, this cute hat and scarf set is a fashionable choice for chilly weather.

Pure Cotton Denim Skirt with Belt, at Marks and Spencer
Cute and comfy, this belted skirt is made from denim for a fashionable casual look

When you're shopping at Mark & Spencers 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 Finance. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spenser than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."