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

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S Household 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 MarksandSpencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Silver Plated Ying Yang Pendant Necklace, at Marks and Spencer
Clasp fastening Adjustable length Ying yang pendant Necklace length 41cm, extendable by 8cm

Reversible Knitted Wrap with Tassles, at Marks and Spenser
Keep warm without compromising on style! This fashionable wrap is reversible, making it even more versatile. A great way to add a cosy extra layer

Standalone Rectangular Mirror, at Marks & Spencers
Freestanding Stainless Steel Bevelled edges, Manufacturer: Marks & Spencer

Albany Cereal Bowl, at Marks & Spencer
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Pyjama Top, at Marks & Spencer
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

2 Non-Wired Plain Nursing Bras with Larger Back Size, at Marks & Spenser
With drop down cups perfectly designed to see you through the nursing period, this supportive bra offers lasting comfort thanks to the soft, breathable qualities of a cotton blend weave. Pack contains 1 black and 1 white bra

Firm Control Waist Cincher, at M&S
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

Medium Spencer Bear, at Marks & Spencers
Suitable for ages 12 months + H36cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Strawberries & Extra Thick Channel Island Double Cream, at Marks and Spencers
Serves 8 Ready to eat Suitable for nut allergy sufferers Cream: 227ml Strawberries: 1kg As featured on page 53 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

Pure Evoke Mio DAB Radio, at Marks & Spenser
Frequency ranges: Band III 174-240 MHz, FM 87.5-108 MHz Timers: Sleep and kitchen timers Speaker: Full-range 3'' drive unit Audio power output: 7W RMS per channel Input connectors: 6V DC power adaptor socket (230V supplied). ChargePAK connector. 3.5mm Line-in for auxiliary devices. USB (B type) for product upgrades Output connectors: 3.5mm headphone, 3.5mm line out (analogue), 3.5mm auxiliary speaker connection Controls: 5 dedicated one-touch presets, 1 combined preset, source, timer, menu, standby and info LCD Display: Organic LED (OLED) display for superior contrast and improved readability Mains power supply: 230V AC to 6V DC external power adapter Battery power supply: Rechargeable ChargePAK E1 included. Provides up to 24 hours of portable DAB listening per charge Power consumption: In standby 0.9W (industry average 2.64W); in operation 2.48W (industry average 5.49W) Aerial: Captive telescopic aerial Intellitext: Browse stored scrolling text at your convenience Text scan: Pause and control scrolling text, giving you time to note down web addresses, competition phone numbers or song titles USB: Add new features as they become available via USB RDS: RDS support for station name display on FM and RDS scrolling text 30 presets: 30 presets (DAB or FM) Alarm: Easy to use tone or radio alarm Connection: Connect an iPod/MP3 player or portable CD Dimensions: H17.5 x W21 x D11cm 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

5 Pure Cotton Plain Slips, at Marks and Spenser
Comfortable, practical and fashionable, this 5 pack of plain slips is made from soft breathable cotton

Wooden Rolling Pin, at Marks and Spencer
Plain Cylindrical Smooth design L42cm, Manufacturer: Marks & Spencer

Cotton Rich Velour Bootleg Joggers, at M&S
Flattering and practical, these comfy joggers are made from soft velour. An easycare essential with a stylish look.

Autograph Patent Leather High Heel Buckle Shoes, at Marks and Spencers
Round toe Buckle feature Slip on Stitch detail High heel Heel height: 80mm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

M&S Breadmaker, at Marks n Spencer
Loaf size 500 - 750g 600 watt Large LCD display with backlight Adjustable crust control: light, medium and dark 13 hour programmable delay timer 60 minutes keep warm function 12 digital program menus Non-slip feet Stainless steel Dishwasher safe, non-stick bread pan & kneading blades Dimensions: H29 x W34 x D31cm 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

125 Years Pure Cotton Heritage Handkerchiefs, at Mark's & Spencer
A great value pack of pure cotton handkerchiefs

Ruffle Button Front Top, at Marks and Spencer
This short sleeve top is beautifully embellished with a ruffle front for a stylish modern look

5 Floral Embroidered Full Briefs, at Marks and Spencers
These floral embroidered cotton rich full briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Chalk & Cheese Characters Multipack of Mini Cards, at M&S
Cover text: Design 1: Surprise, Design 2: Thanks, Design 3: For you, Design 4: Thank you Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Waterproof Mattress Protector, at Mark's & Spencer
Quilted for comfort Completely waterproof, Manufacturer: Marks & Spencer

Autograph Leather Desert Boot, at Marks & Spencers
Round toe Stitch detail Low heel Contrast sole

Silver Plated Mix Pansy Y Necklace, at Marks & Spensers
Clasp fastening Adjustable length Y design Floral detail Drop feature Necklace length: 41cm, extendable by 8cm

Metal Cone Table Lamp, at Marks and Spenser
Cylinder shade Cone stem feature Conical base Steel finish This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Fenton Large 2-Seater Sofa, at Marks and Spencers
H90 x W218 x D103cm Seat: H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 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 dark finish Includes 2 free matching bolsters 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

Pure Cotton Floral Embroidered Vintage Cardigan, at M&S
Knitted in pure cotton, this pretty floral embroidered cardigan will keep her warm and comfy. It looks cuddly too!

M&S 10'' Portable Tablet TV/DVD Player, at Marks and Spencer
Display: 10.2'' screen, 16:9 true colour wide range digital TFT display, 800 480 pixel resolution Built-in tuner: DVB-T and Analogue TV Plays virtually any format: DVD, SVCD, VCD, CD, MP3, JPEG, MPEG4, DivX, DVD+R, DVD+RW, CD-R, CD-RW DVD player: Top loading DVD loader USB port & card reader: Support USB, Card reader - SD, MS, MS-Pro, MMC Built-in speakers: 2 w * 4 pcs special stereo speakers for powerful sound Connectors: Composite AV IN/AV OUT function Video systems: NTSC, PAL, SECAM, AUTO Audio: 96 kHz/24 bit Audio DAC Power supply: Power input - DC 12 V - 24 V/1.5 A, 15 W (adapted for trucks) AC-DC adapter: 100~240 V 50/60 Hz, DC 12 V output Dimensions: W318 x H200 x D25.4 mm. Among the flattest players in this category Weight: 1340 g Accessory kit includes: AC-DC adapter, AV cable, earphone, operating manual, remote control, DVB-T tenfold antenna, car power cable Please note: To receive the full range of Freeview channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all freeview channels when using a indoor aerial Please note: Freeview is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product 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

Autograph Pure Cotton Pyjama Bottoms, at Mark's & Spencer
Create your own look by mixing and matching these stripe pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Limited Collection Cotton Rich Spot Vest & Shorts Set, at Marks & Spencers
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

3 Pairs of 40 Denier Opaque Tights, at Marks & Spensers
These essential 40 denier opaque tights are outstanding value. They're made with added stretch and a reinforced toe for comfort and durability

Pure Cotton Holiday Rope Handle Shopping Bag, at Marks & Spenser
Fashionable and practical, this rope handle shopping bag is a useful accessory with bags of style

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencers 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 & 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 M+S Money, you get more, and you pay less.