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 Car 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; Car Insurance and Buildings & Contents 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 & Contents 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.

When you're shopping at Marks and Spenser 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 & Contents Insurance and Car Insurance, there's a lot more going on at M&S 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spensers Standard Car Insurance. With M&S Financial Services you can keep the cost of your Car 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 Car Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and 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 Car Insurance from Marks & Spencer Money, you get more, and you pay less.

Snow White and The Seven Dwarfs Activity Sticker Book, at Marks & Spencer
First Reader sticker books are a fun way to help develop your child's early reading skills. With over 60 stickers, they provide interactive learning fun, promoting word prediction & joining in. The sticker books support the First Readers story books

2 Cotton Rich °Climate Control Short Sleeve Vests, at Marks and Spencer
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

Belle Tour Cabernet Sauvignon 2007 - Case of 12, at M&S
Style: Dry Grape Variety: Cabernet Sauvignon Country: France 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

Pure Silk Geometric Swirl Lightweight Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk geometric swirl print scarf. The perfect accessory to this season's styles

Limited Collection Racer Back Plunge Bra, at Marks and Spencer
Fun and fabulous, this bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Domaine Grille-Midi Fleurie 2007 - Case of 6, at M & S
Style: Light bodied Grape variety: Gamay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

3 Piece Fairtrade Cotton T-Shirt Outfit with Bib, at Marks and Spenser
This cute outfit is made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Hastings Triple Wardrobe, at Marks and Spencer
H188 x W138 x D54cm 3 door wardrobe 1 hanging rail behind double doors 3 shelves behind single door Crafted predominantly from solid pine and fibreboard 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Light Control Guipure Mesh Briefs, at Marks and Spencers
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Per Una Pure Cotton Pleated Collar Mac with Belt, at Marks & Spencer
A fashionable single breasted mac in pure soft cotton, featuring a pleated collar and waist tie belt

Limited Collection Lace Stripe Shorts, at Marks & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from smooth stretchy fabric and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Autograph Pure Cashmere Oversize Scarf, at Mark's & Spencer
Indulge in a touch of luxury with this oversize cashmere scarf which looks and feels beautiful

2 Pairs of 10 Denier Body Shaper Tights, at Mark's & Spencer
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Limited Collection Triple Seam Pump Shoes, at Marks & Spensers
Pointed toe Triple seam design Slip on Flat sole Comes in sizes 3-8, including half sizes

Perfect Short Sleeve Panel Tunic Top, at Marks & Spencer
This simple panel dress is a key style for autumn. Wear it with leggings for a fashion forward look

2 Plain Multiway Padded Bras, at Marks and Spencer
These versatile bras can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Antigua Footstool, at Marks and Spencers
H44 x W72 x D58cm (all dimensions are approximate) Cushions made from Quallofil Extralife filling Frame made from solid wood wrapped with banana fibre Other cushions made from polyester fibre Wooden feet wrapped with rattan 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pacific Footstool, at Mark's & Spencer
H44 x W74 x D58cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Cushion covers are removable on this range Frame made from solid wood wrapped in pandan. 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 Pine feet with a light 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Firm Control Cotton Blend Low Leg Shorts, at Marks & Spencer
Look slimmer in seconds! These firm control shorts gently flatten tummies for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

Handcrafted Black Dots Mother's Day Card, at Marks & Spencer
Cover text: For a wonderful Mum Inside message: With lots of love Approx size: 178 x 126mm

Sony Memory Stick PRO Duo 2GB, at M+S
Optimum for storing, sharing and transferring thousands of high quality pictures, videos and music Memory: Flash Memory Storage Capacity: 2GB Dimensions: 20 x 31 x 1.6mm Weight: 2g Operating Voltage: 2.7 V - 3.6 V Environmental temperature: -25C to 85C Minimum write speed: 15 Mbps(1875MB/sec) Free to Download, the Memory Stick Data Rescue Service enables quick recovery of deleted photographs and files(www.sonydigital-link.com/memstick/) Warranty: 5 years Delivered with a standard size adaptor Ideal for high resolution video recording Compatible with copyright protection technology ("MagicGate")

Per Una Floral Embroidered Lace Brazilian Knickers, at Marks and Spencer
Elegant and feminine, these stylish knickers are made from soft stretch lace. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

Portfolio Faux Pearl Necklace, at Marks n Spencer
Faux pearl Chain necklace Hook fastening

My Fab Friends Activity Book, at Marks and Spencer
Everyone loves having fun with their friends! With colourful friend-filled activities, this book is perfect for fun-loving girls. Plus, it includes fab hair accessories for her and her friends to enjoy

Limited Collection Pure Silk Large Pocket Dress, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Per Una Detachable Faux Fur Hooded Parka, at Marks & Spencer
A cosy funnel neck jacket featuring a detachable faux fur hood.

Bold Spot Print Hipster Bikini Bottoms, at Marks and Spencer
Modern and stylish, these bikini bottoms are outstanding value. Style and quality at a great price

Gold Spot Bursts Medium Gift Bag, at Marks & Spencer
1 gift bag Spot design Approx size: H260 x W200 x D90mm

Pure Cotton 'The Muppets' Bodysuit, at Marks & Spenser
Cute and practical, this bodysuit is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Long Sleeve Faux Fur Lined Fleece Jacket, at Marks and Spencers
Want style and comfort? This faux fur lined fleece jacket looks great and will keep you feeling warm, cosy and snug

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