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.

M&S Finance 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 Finance 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 Mark & Spensers 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, Sainsburys, 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

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

Satin Spot Print Shirt with Belt, at Marks & Spenser
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Small Pillar Candle, at Marks & Spencers
Plain pillar candle 60 x 13mm, Manufacturer: Marks & Spencer

Portfolio 3/4 Sleeve Nehru Collar Blouse, at Marks and Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Portfolio Knee Length Check Skirt with Belt, at Marks & Spenser
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Compaq Presario SR5707UK-M Desktop PC Bundle, at Marks and Spenser
Operating system:Genuine Windows Vista Home Premium 32-bit Processor:Intel Celeron Dual Core processor E1400, Intel G31 express chipset Memory:2GB DDR2-SDRAM, 2 DIMM sockets Storage:320GB SATA 3G Hard Disk Drive (7200 rpm), Up to 13GB partition for system recovery DVD writer SATA DVD RAM and Double Layer supporting LightScribe technology, Create silkscreen-quality disc labels direct from your PC with LightScribe: Just burn, flip, burn 15 in 1 memory card reader Communication:Ethernet 10/100BT integrated network interface Video:Intel Graphic Media Accelerator 3100, Integrated Graphics (VGA port) 128 MB dedicated memory, up to 287 MB total available graphics memory as allocated by Windows Vista Sound:High Definition Audio 5.1 (2 front audio ports, 3 rear analog audio ports) Included accessories:PS/2 keyboard and optical mouse Optional accessories:LCD Monitors (buy separately): Compaq WF1907v 19-inch Wide Flat Panel Monitor, Compaq W220q 22-inch Wide Flat Panel Monitor Ports and Expandability: 2 external optical drive bays, 1 internal HDD bay, 1 PCI-Express 16x (free), 1 PCI (1 free) and 2 PCI-Express 1x (2 free), 6 USB 2.0 ports (2 in front) Software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer 7.0, Windows Mail, Adobe Reader 8.0 HP MediaSmart Suite: Music, Video, DVD, Photo, HP Total Care Advisor, Photosmart Essential, Windows Photo Gallery, Windows Media Player, Windows Movie Maker, Windows DVD Maker, Cyberlink DVDSuite, Muvee AutoProducer, EasyBits Magic Desktop, HP Games Console with hours of free game play, featuring EA Spore Creature Creator, Windows Media Center Service and Support:Recovery partition (including possibility to recover system, applications and drivers separately) Optional re-allocation of recovery partition Recovery CD/DVD creation tool Symantec Norton Internet Security 2009 (60 days live update) Weight:9.53 kg, packed: 14 kg Dimensions:16.9 x 42.6 x 37.7cm Warranty: 1 year, pick-up and return, parts and labour You can expand the warranty coverage of your product up to 3 years

Aluminium 28cm Frying Pan, at Marks & Spensers
Non-stick interior Even heat distribution Diam: 28cm, Manufacturer: Marks & Spencer

Pure Stripe Mug, at Marks and Spencer
Stripe design H10cm, Manufacturer: Marks & Spencer

Cotton Rich Embroidered Animal Top & Dungaree Set, at Mark & Spensers
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value top and dungaree set is designed to keep baby looking adorable and feeling comfy and happy

Per Una Embroidered Balcony Bra, at M & S
Elegant and feminine, this bra is beautifully embellished with pretty embroidery. The padded balcony style gives maximum uplift and a fuller shape

Sony PSP™ 3000 Console & Buzz Brain Bender Bundle, at M & S
Bundle includes PSP 3000 console and Buzz Brain Bender Game Buzz Brain Bender: Buzz! swaps his trademark game show suit for a lab coat and clipboard. Welcome to Buzz!: Brain Bender - a lighter, entertaining and humorous new take on the puzzle genre! Display: 4.3'' display (16:9) full-transparent type, TFT drive, 480 x 272 pixel, Approximately 16,770,000 colors displayed Improved screen: Capable of displaying movies and photos in more natural and vibrant colors CPU: PSP CPU (System clock frequency 1-333MHz) Built-in microphone: Enables voice chat as soon as you are in a WiFi zone. Enjoy games that use a microphone, Skype and other communication tools TV play: Expanded AV interlaced output gives better refresh rates and sharper images on the TV Sound: Built-in stereo speakers Main memory: 64MB Video formats supported: MPEG-4, AVI Audio formats supported: MP3, MP4, WAVE, WMA, ATRAC3™, ATRAC3plus™ Photo formats supported: JPEG, TIFF, BMP, GIF, PNG Connectors: USB connector, Memory Stick Duo™ slot, Video out/headset connector, DC in/out Input/output: Wi-Fi, High Speed USB, Memory Stick PRO Duo™, Analog Video Out, Microphone Power source: Lithium-Ion rechargeable battery pack, AC adaptor, USB power supply Dimensions: L17 x D1.8 x W7.1cm Weight: 189g (including battery pack)

North Coast Pure Cotton Bootleg Jeans with Belt, at Marks & Spenser
Relaxed and comfortable, these pure cotton bootleg jeans give a fashionable casual look

Autograph Exclusive Beaded Hipster Bikini Bottoms, at Marks and Spenser
Luxurious and exclusive, these glamorous bikini bottoms are beautifully designed in a flattering, fashionable silhouette for the ultimate in style. They're made from soft, comfortable fabric and finished with careful attention to detail

Faux Pearl Detail Beret Hat with Wool, at Marks and Spenser
Berets always look so chic making this knitted beret the perfect way to add a stylishly warm finishing touch

Suede Sprung-Edge Divan with 2 Small & 2 Large Drawers, at Marks & Spencer
Double (4ft 6): W135 x L190cm King size (5ft): L150 x W200cm Super king size (6ft): L180 x W200cm Divan height: H41cm Sprung-edge divan - Can be used with any mattress Solid wooden frame Small drawers: H14 x W40 x D52cm Large drawers: H14 x W78 x D52cm Small drawers at the head end are designed to open without moving your bedside table 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 , Manufacturer: Marks & Spencer

Stainless Steel Wok with Lid, at Marks and Spencer
Double handles Glass lid Diameter: 30cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Mock Layer Jersey Top, at Marks n Spencer
Smart and stylish, this mock layer top is made from cool comfortable cotton and features front pleat detail and stripe design

OK! - Magazine Gift Subscription, at Mark & Spensers
OK! First for celebrity news! Be part of the A List and catch up with your favourite stars only in OK!. Every week you'll be amazed by our world exclusive interviews, our Access All Area weddings and all the latest celebrity news and gossip

White Rattan Corner Laundry Basket, at Marks & Spencer
Comes with lid Shaped to fit in a corner Woven design, Manufacturer: Marks & Spencer

Sterling Silver Double Oval Earrings, at M+S
Hook fastening Double oval design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Pure Cotton V-Neck Cropped Cardigan, at Mark's & Spencer
Pretty and feminine, this cropped cardigan is made from pure natural cotton and features 3/4 length sleeves for a fashionable look

Stripe Hipster Skirt Tankini Bottoms, at M & S
Elegant and feminine, this flattering hipster skirt is designed in the latest shape. The ultimate in poolside glamour

Per Una Styled Ditsy Floral Padded Bra, at M&S
Fresh and feminine, this stylish bra features a ditsy print and is finished with a lace trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

Bon Bon Table Lamp, at Marks and 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

3 Pure Cotton Stripe Design Trunks, at Marks and Spencers
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Bold Stripe Hipster Bikini Bottoms, at Marks and Spencer
Gorgeously feminine, these stylish bikini bottoms feature a striking bold stripe print. Make a splash!

Pop-Up Laundry Bin, at Marks & Spenser
Pop-up feature H60 x W33cm x Diam 33cm, Manufacturer: Marks & Spencer

Champagne Flutes Engagement Card, at Marks & Spenser
Cover text: On Your Engagement Inside message: With Love Approx. size: 178 mm x 126 mm FSC: This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pure Linen Turn-Up Sleeve Pintuck Blouse, at M&S
Chic and modern, this turn-up sleeve blouse is made from cool crisp linen and features front pintuck detail

Limited Collection Multi Stripe Vest & Shorts Set, at Marks and Spenser
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Older Boys' Tramline Loafer School Shoes, at Marks & Spencers
Square toe Tramline detail Slip on Loafer style Plain

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 Finance financial products are, of course, designed to make Marks & 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.