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 Motor 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; Motor 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.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser 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 Motor 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 Marks & Spencer, 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.

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencers Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor 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 Motor Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from Marks & Spencers Money, you get more, and you pay less.

Stainless Steel Skimmer, at Marks & Spencer
Hanging loop Stainless steel design Slotted, Manufacturer: Marks & Spencer

White Pearl Damask Cake or Favour Boxes, at Mark's & Spencer
Contains: 10 cake or favour boxes Flat: 155 x 85mm Folded: L130 x W80 x D27mm

Cotton Rich Flat Front Corduroy Trousers, at Marks & Spencer
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Chuggington 60 Sticker Activity Book, at Marks & Spencer
Let's ride the rails! Its time for story fun in Chuggington! Join me and my trainee friend Brewster and use your chugger stickers to complete our trainstastic story scenes.

Malabar 3-Door Glass Unit, at Marks and Spencers
H114 x W174 x D47cm 6 adjustable shelves Sideboard sold separately Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles Glass doors are made from safety-tested toughened glass 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. SAVE ON SETS Save at least 25% when you buy this unit as part of a set. Click here to view the Malabar Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Vienna Collection - Pendant Shade, at M & S
Facetted glass curtain shade Chromed steel frame 28 x 24cm, Manufacturer: Marks & Spencer

Autograph Weekend Block Stripe Cardigan, at Marks and Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Pure Cotton Floral Combat Trousers with Belt, at M+S
Sporty and stylish, these pure cotton combats feature embroidered floral detail. A practical easycare style

Open Toe Microtowelling Wedge Slippers, at Marks&Spencer
Open toe Wedge heel Microtowelling design Plain

DD-G Firm Control Lace Body, at Marks n Spencer
Look slimmer in seconds! This DD-G firm control body features a pretty lace trim design and gently shapes your figure all over for a smoother, sleeker silhouette

2 Younger Boys' Limited Pure Cotton Beanie Hats, at Marks and Spencer
Warm and comfy, these pure cotton hats are ideal for chilly days

Belt Stitched Tote Bag, at Marks&Spencer
Stylish and useful, this tote bag features buckled loop strap detail and a stitch belt design. A practical and fashionable accessory

Shoe Tree, at Marks&Spencer
Keep you shoes in great shape with these shoe trees. With an adjustable length, your footwear will be in good hands with this practical gadget

Oval Frame Reading Glasses, at M+S
Oval lens 2 tone frame For near vision and reading use only Not suitable for persons under 16 years of age Marks and Spencer reading glasses conform to British Standard BS: EN 14 139:2002

Footglove™ Wide Fit Leather Square Toe Loafers, at M & S
Square toe Stitch detail Slip-on Flat sole Wide fit Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Older Girls' Sequin Canvas Trainers, at Marks & Spencer
Round toe Sequin detail Lace up Canvas design Contrast flat sole

Ceriso Essentials Frill Trim Bikini Knickers, at Marks and Spencer
Glamorous and flirty, these modern bikini knickers feature ribbon detail and a frill trim. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Spot Net Tights, at Marks & Spencer
Treat your legs to a touch of style. These spot print tights have a durable reinforced design to keep them looking good, wear after wear

Portfolio Speckled Bangle, at Marks n Spencer
Chunky style Speckled design

3 Pure Cotton Assorted Sleepsuits, at Marks & Spencer
Soft and snuggly, this practical pack of sleepsuits is great value! The cotton fabric is comfy to sleep in and popper fastenings make quick changes easy

Petite Stormwear™ Pure Cotton Double Breasted Mac, at Marks & Spencer
Practical and fashionable, this water resistant mac is perfect for drizzly days. Specially designed and perfectly proportioned for the petite frame

2 Pure Cotton Assorted Leggings, at Marks and Spencers
Cute and comfy, these practical leggings are made from soft cotton and feature assorted designs. A great value pack

Mock Crocodile Leather Bag, at Mark's & Spencer
A gorgeous fashion accessory as well as a practical piece of luggage, this overnight bag is made from leather with a mock croc design. It has a 28 litre capacity and comes with a detachable shoulder strap and padlock

3-Piece Aluminium Saucepan Set, at Marks and Spencers
Set contains 3 saucepans with lids 16cm (1.4L), 18cm (1.9L), 20cm (2.8L) Non stick aluminium Triple layer non-stick coating for low fat cooking and easy cleaning Tempered glass lids for easy visibility Riveted handles in cast stainless steel for strength and durability Soft touch silicone grips for style and comfort Always use wooden or plastic utensils to prevent scratching the non stick surface Dishwasher safe, Manufacturer: Marks & Spencer

Collezione Wool Rich Flat Front Stripe Trousers, at Marks & Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Autograph Punch Stitch Apron Shoes by Jeffery-West, at Marks & Spenser
Slip-on Square toe Stitch detail Shallow block heel

5 Pairs of Younger Girls' Sparkle Stripe Socks, at Mark & Spensers
Stock up on stylish essentials with this pack of 5 sparkle detail socks

Detroit Extending Dining Table & 6 Alton Antiqued Leather Chairs Set, at Marks and Spencer
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H99 x W46 x D56cm Table seats 6-8 Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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 Weekend 3/4 Sleeve Pintuck Bib Top, at Marks & Spencers
Stylish and sophisticated, this 3/4 sleeve top is cut to flatter and features pintuck bib design for a modern look

Portfolio Floral Print Layered Short Sleeve Blouse, at Marks and Spencers
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

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

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

For example, here are just some of the options which come as standard with MarksandSpencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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.