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 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 Finance 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 Finance. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Finance 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 Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M+S Money, you get more, and you pay less.

Besides Mark's & Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Buildings 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 Mark & Spensers purchases are also protected while you take them home.

Also, on both M&S Finance Premier Buildings Insurance and Standard Buildings 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.

High Waist Bootleg Trousers, at Marks & Spencers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit and a look that's always in style

Floral Sketch Mum 60th Birthday Card, at Mark's & Spencer
Cover text: Mum, 60 Today Inside message: Have a lovely birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Happy Birthday Clutch Bag Gift Card, at Marks and Spencers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Paper Dress 50th Birthday Card, at Marks & Spenser
Approx. size: 150 x 150mm Cover text: Have a Fabulous Fiftieth Inside message: With lots of love

Per Una 3/4 Length Crochet Cardigan, at Marks & Spenser
A sophisticated crochet cardigan, featuring a scallop trim and hook fastening

Older Boys' Cassette Print Swimming Shorts, at Marks & Spencer
Fun and fashionable, these lined shorts fit comfortably and securely. A cassette print design adds a fab finishing touch

M&S Multimedia System, at Marks & Spencer
Sound system: 2.1 PC sound system Volume control: Includes desktop volume control unit Connectivity: Speaker out for additional speakers, line in for audio devices Power: 100-240V, 50~60Hz Output power: RMS40W Signal to noise ratio: 87dB Frequency response: 40Hz-20KHz Bass unit: 5" driver Satellite unit: 2" x 3.5" driver + 1! tweeter 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

BT Studio 3100 Trio Cordless Phones, at Marks and Spencer
50 name and number phonebook Assign melodies to specific phonebook entries Caller display with up to 40 number calls list Call waiting 10 last number redial and recall Secrecy facility allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options Keypad lock Preparatory dialling and paging Talk time up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 meters outdoor/50 meters indoors Switchboard compatible Tone and pulse dialling and dialling pause GAP compatible (register up to 4 handsets to one base) - internal calls, call transfer, 3-way calling Includes: 3 phones and matching bases, 6 rechargeable batteries, 3 mains power adaptors, 3 telephone line cords 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

Classic Baby Charlotte New Potato Salad, at Marks and Spenser
Serves 8 Ready to eat Suitable for vegetarians 700g As featured on page 26 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

5 Cool & Fresh Cotton Rich Assorted Briefs, at Marks & Spencer
Made from soft breathable cotton, these comfy briefs are ideal for everyday wear

Linen Blend Pinstripe Straight Leg Trousers, at Marks and Spencer
Sophisticated and elegant, these tailored trousers are detailed with a prinstripe design. A fashionable choice for work or formal occasions

Lavender Scented Pillar Candle, at M&S
Lavender fragrance Includes candle plate Burns upto 50 hours, Manufacturer: Marks & Spencer

Signature Ginger Lily Refresher Oil, at Marks n Spencer
Ginger lily fragrance 15ml Can also be used as a burner oil, Manufacturer: Marks & Spencer

Leather Tassel Shoulder Bag, at Marks and Spencer
Stylish and practical, this handbag is made from luxurious hardwearing leather. A useful and fashionable accessory

5 Pairs of Contrast Toe & Heel Socks, at M+S
Perfect for everyday wear, these great value socks feature added stretch to provide a long lasting fit and comfort

5 Cotton Rich Seamfree High Leg Knickers, at Marks & Spencer
Designed with both comfort and practicality in mind, these comfortable cotton knickers have added stretch and a flattering high leg design

Eyelet Trainers, at Marks & Spencers
Round toe Stitch detail Lace-up Flat sole

Heritage Collection - Table Lamp, at Marks & Spencers
Pleated shade design Glass ball stem Brass finish Round base This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Woodphotoframes - MULTI APP DESK, at Marks & Spencer
Manufacturer: Marks & Spencer

Pure Cotton Ombre Check Pyjamas, at Mark's & Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Long Glacier Bead Necklace, at Marks and Spencers
Adjustable length Clasp fastening Mixed beads Long length

Noisy Fire Engine, at Marks and Spencer
Suitable for ages 0-3 years Fire engine design This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Gold Plated Catseye Stud Earrings, at Marks and Spencer
Catseye design Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Bold Stripe Bottle Gift Bag, at Marks & Spenser
Bold stripe design Includes tag H370 x W120 x D80mm

Embroidered Pinafore Outfit, at Marks & Spensers
Fashionable and practical, this cute bodysuit, pinafore and tights 3-piece outfit features an embroidered design

Pure Cotton Stem Trail Towel, at Marks and Spencer
Stem leaf design Comes in 3 sizes Hand Bath sheet X large bath towel, Manufacturer: Marks & Spencer

Autograph Silk Blend Jacquard Blouse, 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

Per Una Spot Print Dressing Gown, at M & S
Modern and feminine, this pretty spot print dressing gown is made from soft fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Playstation 3® Singstar® ABBA, at Marks&Spencer
Featuring 25 legendary ABBA hits Includes all the classic SingStar multiplayer modes With support for high definition music videos plus access to the SingStore. Suitable for ages 3+ Enhanced with PLAYSTATIONEye 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, Platforms: PLAYSTATION 3, ESRB Rating: Everyone

Sleeveless Thermal Vest, at Marks & Spencer
Soft, warm and cosy, this cotton blend thermal vest is designed to give comfy insulation, perfect for chilly weather

When you're shopping at Mark's & Spencer 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 Finance. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car 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 Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."