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.

There are lots of ways to save money using M&S Financial Services. Not least of these is MarksandSpencer 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 & 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.

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 & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks n 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.

Abbey Corner Chaise - Left-Hand, at Mark & Spensers
H95 x W291 x D106cm Length L164cm, seat H54cm (all dimensions are approximate) Left-hand chaise - Chaise is on the left side when viewed from the front of the sofa Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish 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 Detailed care instructions are included 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 service: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Perfect Autograph Weekend Modal Blend Camisole, at M+S
Loungewear goes glamorous with these gorgeous pieces in slinky satin and soft modal. Who needs to get dressed, anyway ?

Flower Gem Pendant Ceiling Light, at Marks & Spensers
Flower gem design Hanging pendent 30 x 30 x 34cm GLS Max 60W, Manufacturer: Marks & Spencer

Whole Side of Oak Smoked Orkney Salmon, at Marks & Spencers
Serves 12-15 Ready to eat Suitable for freezing 500g As featured on page 24 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Chrome Collection Toilet Roll Holder, at Marks and Spencer
Wall mounted Classic design H8.5 x W16 x D6cm, Manufacturer: Marks & Spencer

Cape Quarter Colombard Chardonnay 2008 - Case of 12, at MarksandSpencer
Style: Dry Grape variety: Colombard, Chardonnay Country of origin: South Africa Closure: Synthetic closure 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

Sprung-Edge 4-Drawer Divan & Autograph M500 Zip & Link Mattress, at Marks n Spencer
No turn mattress: medium / firm tension Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Divan drawer size: 4 x large H15 x W78.4 x D53cm Single 3ft: W90 x L190cm (has 2 large right- or left-hand drawers) Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

3 Pairs of 40 Denier Opaque Ankle Highs, at Marks and Spencer
Durable and comfortable, these plain ankle highs are ideal for every day wear

Classic Guipure Vest, at Marks and Spencer
This guipure vest is outstanding value. A great opportunity to stock up your underwear drawer!

Long Sleeve Zip Fastening Leather Jacket, at Marks & Spenser
Leather jackets always look modern and this long sleeve zip-up jacket is a luxurious and fashionable style

Younger Boys' Multi Stud Belt, at Marks and Spencer
Fun and fashionable, this multi stud belt adds a stylish finishing touch

Dualit Dome Kettle - Cream, at Marks & Spencers
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm 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 , Manufacturer: Marks & Spencer

Twist And Shout CD, at Marks and Spencer
Audio CD, Marks & Spencer

Per Una Hatty Twist Panel Jersey Dress with Necklace, at Marks and Spencer
A gorgeous panel dress in soft stretch fabric featuring a front twist detail and detachable necklace

Pure Cotton Embroidered Lace Detail Top, at Marks & Spenser
This 3/4 sleeve top will make a useful addition to your wardrobe. It features pretty embroidered lace detail for a stylish casual look

Padded Drawstring Waist Hooded Gilet, at Marks and Spencer
Warm and cosy, this padded gilet features faux fur trim hood and a drawstring waist. A modern casual look

Per Una Check Lace Brazilian Knickers, at Marks and Spencer
Feminine and delicate, these stylish brazilian knickers feature a lace design. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

3 Enamel Diamanté Photo Frames 5 x 8cm (2 x 3''), at Marks and Spencer
Diamant detail Beaded trim Aperture: 5 x 8cm (2 x 3''), Manufacturer: Marks & Spencer

iPod Nano Leather Flip Case, at Marks and Spencers
Flip Case for iPod Nano, the stylish black 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 protect your iPod in style. Compatible with all Apple iPod Nano's

Classic Collection Sleeveless Scallop Trim Nightdress, at Marks & Spenser
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty floral embroidered details

Per Una Flower Crochet Jersey Top, at Marks & Spenser
A beautiful cap sleeve top featuring crochet design finished with a scalloped trim

Per Una Cotton Rich Belted Jeans, at Marks and Spencers
A fashionable pair of bootleg jeans in stretch cotton featuring a curved buckle belt

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M300 Mattress, at Marks & Spencer
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large Drawer: 14 x 78 x 52cm Small Drawer: 14 x 40 x 52cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 896 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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

Autograph Bugle Bead Sparkle Clutch Bag, at Marks & Spencer
A sparkling wave curve clutch featuring bugle beading. Add a fabulously fashionable finish to your look

Ceramic Utensil Pot, at Mark's & Spencer
Raised Untensil lettering Dimensions: H18 x Diam 13.5cm, Manufacturer: Marks & Spencer

Generic Star Charm 50th Birthday Card, at Marks and Spencer
Cover text: 50 today Inside message: Have a fantastic birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125 mm

Maternity Tyre Print Short Sleeve Tunic, at M & S
Relaxed and casual, this short sleeve tunic is designed to flatter you and your bump. The ruched style and clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Leon De Oro Cabernet Merlot 2006 - Case of 6, at Marks and Spencer
Style: Full bodied Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Ultimate Non-Iron Pure Cotton Plain Long Sleeve Shirt, at Marks and Spencer
Offering natural comfort and durability, this crisp pure cotton shirt has a specially crafted non-iron design for a no-fuss appearance. A cutaway collar offers a contemporary focus matched with formal french cuffs

Older Boys' Scotland Swimming Shorts, at Marks and Spenser
Sports fans will love these cosy swimming shorts featuring a Scotland motif. A practical, easycare style

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 Buildings Insurance and Motor Insurance, there's a lot more going on at Marks&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."