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 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.

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

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark's & Spencer 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 & Spensers, 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 M&S Finance, you get more, and you pay less.

Girls' Limited Pure Cotton Acid Wash Dress, at Marks & Spencer
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

3 Lever Arm Bottle Stoppers, at Marks & Spencers
Pack of 3 Chrome look handle Ideal for sealing opened bottles, Manufacturer: Marks & Spencer

Adored Pure Cotton Floral Embroidered Nightdress, at M+S
Stylish and elegant, this flattering nightdress is part of our feminine Adored collection. It's made from the softest fabrics for the ultimate in comfort

Knee Length Pleat Waist Belted Skirt, at Mark & Spencers
Chic and stylish, this belted skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

Per Una Embroidered A-Line Skirt, at Mark's & Spencer
A fashionable knee-length skirt with embroidered spot detail featuring a wide waistband and hem.

Stripy Cake Wedding Card, at Marks & Spencer
Cover text: On your special day Inside message: With lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

In Bloom Lime Blossom & Bergamot Foaming Bath Elixir, at Mark & Spencers
Lime and bergamot fragrance Moisture Rich 200 ml This product is not available for international delivery. Find out more

Georgian Antique Silver-Effect Headboard, at M & S
Headboard H84cm Single: W94cm Double: W142cm King size (5ft): W155cm Super king size (6ft): W185cm Antique-silver effect Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Diamond Weave Straw Trilby, at Marks and Spenser
Made from 100% natural straw, this hat is vented and has a wide brim, with, naturally a turned up backside. Finished off with a stiped band around the crown to give this hat a vintage look with an update sense of fashion and comfort

Autograph Wool Blend Plain Black Waistcoat, at M&S
Add this finely tailored Autograph waistcoat to your formal wear for an extra touch of style and refinement

New Lace Shorts, at Marks and Spenser
These pretty lace shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Older Boys' Shark Flip Flops, at Marks and Spencer
Flat sole Shark print Contrast stripe

Body Solutions Smooth Multiway Camisole, at Marks&Spencer
Cool and comfortable, this modern camisole is made from soft fabric with added stretch for a great fit

Black Gloss Salt Mill, at Marks and Spenser
High gloss finish Screw top design Can be used for coarse sea salt Adjustable for fine or coarse grind Approx size: L4.5 x W4.5 x H19.5cm, Manufacturer: Marks & Spencer

Floral Short Sleeve Frill Blouse, at Marks & Spencers
A fabulous round open neck blouse featuring a ruffle front and floral detail. The tie belt make it extra stylish

Pure Cotton Drawstring Joggers, at MarksandSpencer
Comfy and practical, these pure cotton drawstring joggers are ideal for active workouts or stylish relaxation

The Dark Knight DVD, at Marks and Spencer
Release Date: 2008-12-08, Rating Suitable for 15 years and over,

Pure Cotton Floral Print Knee Length Skirt, at Mark & Spencers
Cute and sassy, this cotton skirt features a floral print. A fabulous fashionable look

Easy Chicken, at Marks and Spencer
Tantalise your taste buds with this great collection of tasty chicken recipes

Pure Cotton Embroidered Animal Sleepbag, at Marks & Spensers
Cosy and comforting, sleepbags make a great way to stop babies getting tangled up in covers. This padded cotton rich embroidered sleepbag will keep him at a comfy temperature throughout the night

Autograph Pure Silk Paisley Print Dress, at Marks and Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Real Cool Cotton™ Performance T-Shirt, at Marks and Spencer
This sporty t-shirt is made from RealCool Cotton™. The innovative fabric incorporates microfibres which rapidly move moisture away from the body keeping you dry and comfortable

Embroidered Short Sleeve Kaftan, at M&S
Fresh and feminine, this flattering kaftan is designed in the latest shape. The ultimate in poolside glamour

Bright Kittens Multipack of Mini Cards, at M+S
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Autograph Pure Cotton Self Stripe Jeans, at Marks & Spencer
Fashionable and contemporary, these pure cotton self stripe jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Flitter Heart Wedding Card, at Marks and Spencer
Cover text: With love on your wedding day Inside message: Blank for your own message Approx. size: 178 x 126mm

Cotton Rich Aztec Pull On Hat, at M & S
Keep ahead of the trends with this contemporary aztec pull on sunhat, an essential look for style in the sun

Autograph Leather Laced Desert Boots, at Marks and Spencers
Round toe Lace-up Stitch detail Block heel Contrast sole

Portfolio Balloon Sleeve Floral Print Tunic, 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

Linen Blend Stitch Detail Shorts, at Marks & Spencers
Cute and sassy, these easy-fit linen shorts are relaxed and casual. Stitch detailing adds a stylish finishing touch

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