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 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 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 Marks and 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, 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 Finance 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 Finance Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Buildings & Contents Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Finance Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks n Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier Buildings & Contents Insurance and Standard Buildings & Contents Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Samsung ES55 Digital Camera, at Marks & Spencer
Pixels: 10.2 megapixels Zoom: 3 x optical zoom Display: 2.5 inch TFT colour LCD Screen ISO Equivalent : The high sensitivity setting of ISO 1600 lets you take clearer pictures, in poor lighting conditions, without camera shake or image blurring Dimensions: W90.4 x H59 x D21.6mm Weight: 116g (without battery and card) Digital Image Stabilization: DIS (Digital Image Stabilization) Storage capacity: Internal memory: approx 9MB, External memory: SD Card (up to 2GB guaranteed) MMC plus(up to 1GB guaranteed) SDHC (up to 8GB guaranteed) Power Source: Samsung SLB-10A Self Portrait: Accurate exposure and focus for self portrait shots 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

Skinny Plaited Belt, at Marks n Spencer
Define your waistline with this fashionable plainted skinny belt

50/50 Bed Linen - Valance, at Marks and Spenser
Single: L190 x W91cm, frill depth 39cm Double: L190 x W137cm, frill depth 39cm King Size (5ft): L200 x W152cm, frill depth 39cm Super King Size (6ft): L200 x W183cm, frill depth 39cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

5 Pairs of 10 Denier Matt Look Tights, at Mark & Spencers
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

Disney Princess Activity Pack, at Marks & Spencers
This cool activity case provides hours of fun. Packed full of activities, a posters, pens, she'll have loads of fun with her favourite Disney Princesses

DeLonghi Icona Toaster - Pearl White, at M&S
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel All functions with neon indicator Extra lift position Variable browning controls Extra deep crumb tray Pearl white finish This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Recycled Anti Allergy 13.5 Tog Duvet, at Marks and Spencer
Endorsed by the British Allergy Foundation Proven protection wash after wash Perfect for use with our range of anti allergy duvets, pillows and protectors 13.5 tog, Manufacturer: Marks & Spencer

Limited Collection Zip Shoulder Jersey Tunic, at Marks & Spencer
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

Lion Rug, at Marks and Spencer
Hand woven Luxuriously deep pile Super soft Small: L140 x W80cm Medium: L180 x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Ceriso Styled Embroidered Padded Push Up Bra, at Mark & Spensers
Flirty and feminine this modern bra features intricate floral embroidery. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Fuzzy Teddy Grandpa Card, at Marks & Spencers
Cover text: Grandpa... ... down tools on your birthday! Inside message: Blank for your own message Approx. size: 150 mm x 150 mm

Per Una Buckle Satchel Bag, at M+S
A bold buckle makes this fashionable bag even more special. Give your look the Per Una twist!

First Readers The Princess and the Pea, at M&S
How do you tell a real princess from a fake princess? Find out what the queen does to reveal the truth in this classic fairy tale

Firm Control Sheer Waist Cincher, at Marks and Spencer
This waist cincher gives total body definition shaping your tummy, waist and bottom with the flexibility of wearing your own bra - perfect under dresses for an hourglass silhouette. It's comfortable and easy to move around in and the special finish keeps you cool and dry

Autograph Pure Cotton Straight Leg Jeans, at Marks and Spenser
Fashionable and contemporary, these black resin jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Letters on a String Christening Card, at Marks & Spensers
Cover text: On your christening day Inside message: With love Approx size: 150 x 215mm

Airflex™ Leather Loafer Shoes, at Marks & Spencer
Smart and stylish, these shoes are specially designed with the Airflex™ sole system. This innovative technology gives your feet enhanced support, comfort and flexibility

Ceriso Spot Print Frill Trim Bikini Knickers, at M+S
Fab and funky, these modern bikinis featurespot print and a bow detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Limited Collection Long Boho Necklace, at Marks & Spencers
Boho style Long length Necklace length: 150cm

Baglio Nero D'Avola 2007 - Case of 12, at Marks & Spensers
Style: Full bodied Grape variety: Nero d'Avola Country of origin: Italy Closure: Synthetic closure Suitable for vegans 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

Hooded Check Duffle Fleece, at M & S
Comfy and cosy, this hooded fleece feels soft and warm and is great value. A practical, easycare style

3 Ben 10™ Trunks, at Marks & Spencers
Fans of Ben 10™ will love this pack of 3 cotton rich trunks featuring the popular character. Fun, practical and great value

Marble Collection Soap Dispenser, at Mark's & Spencer
Pump action Marble design, Manufacturer: Marks & Spencer

Single Breasted Large Collar Trench Coat, at Marks & Spencer
A fashionable must-have, this trench coat has been bought up to date with a figure-flattering cut and contemporary styling

Compton Coffee & Side Table Set, at Marks & Spencer
Coffee table: H44.5 x L90 x W90cm Side table: H57 x W50 x D57cm Coffee table has fixed shelf Side table has a drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength Handles made of solid antiqued brass All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Monster House Blu-ray DVD, at Marks n Spencer
Rating Parental Guidance,

De Saint Gall Blanc de Blancs Premier Cru Brut Champagne - Case of 6, at M+S
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M&S 42'' Full HD LCD TV, at Marks & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 42 inch flat screen, 1920 x 1080 pixels Contrast Ratio: Dynamic Contrast Ratio 10000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H72.5 x W102.5 x D33cm Sound: Nicam stereo Connectors: 3 HDMI, 2 Scart 24fps: Shows images at 24 frames per second - just like a real cinema screen Use wall mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Leather Stitch Detail Square Roller Buckle Belt, at Marks & Spencers
This leather roller buckle belt is ideal for wearing with casual styles

6 Square Hair Clips, at Marks & Spencers
Dress up those tresses in fabulous style with these colourful hair clips

M&S Finance offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks & Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• 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 Car 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.