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 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 Home 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 Home 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.

M&S Financial Services 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 Financial Services 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 Mark's & Spencer 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 Tescos 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

When you're shopping at Marks and 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 Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Mark's & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. 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 Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."

Cotton Rich Stripe Scarf, at M&S
Keep out the cold in style with this warm, soft scarf

Smoothies & Juices Book, at Marks & Spencer
Smoothies and juices have it all. They are bursting with goodness, easy to prepare and, most importantly, taste fabulous. Their phenomenal popularity reaches across the generations, from children who love the immense variety of fruity flavours to adults who appreciate their nutritional value and the speed with which they can be made. Delicious and nutritious, they are the perfect feel-good treat

2 Cotton Rich Plain Drawstring Joggers, at Marks & Spenser
Relaxed and comfortable, these casual joggers are made from soft cotton and feature a pull tie fastening waist. A practical easycare choice

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

Pure Cotton Floral Print Jersey Top, at Marks and Spencer
This short sleeved top will make a useful addition to your wardrobe. It features pretty floral print for a stylish casual look

Full Brief Lace Shorts, at Marks and Spencers
Smart, snug and easy to care for, these cosy shorts combine a flattering fit with a lace design and stretchy fabric to create the perfect knickers for day to day wear

Non-Iron Long Sleeve Simple Stripe Shirt, at Marks & Spensers
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Cut Flowers Pot Pourri Box, at Marks and Spencer
Cut flowers frangrance Presented in a box, Manufacturer: Marks & Spencer

Pure Linen Flat Cap, at M+S
A traditional British classic, this is a versatile style that looks great worn smart or casual

Pure Cotton Thomas & Friends© Mock Layer Hooded Top, at Marks n Spencer
Fans of Thomas & friends will love this pure cotton mock layer hooded top featuring the popular character. A practical, easycare style

Pure Cotton Panel V-Neck Shirt & Shorts, at Marks&Spencer
Contemporary and fashionable, these pure cotton pyjamas make the perfect choice for relaxing in style and comfort

Karen Shoe Jewellery Holder, at Marks & Spensers
Shoe design Multiple hooks and hoops Corsage detail H9"

Blue Harbour Pure Cotton V-Neck T-Shirt, at M & S
Working well with jeans or joggers, the versatile appeal of this easy to care for pure cotton T-shirt makes it a practical choice for weekend and leisure wear

Younger Boys' Pirate Slippers, at Marks & Spencers
Round toe Slip on Pirate motif

Pure Linen Embroidered Ginko Cushion, at Marks and Spencers
Square shape Embroidered design Hand sequins linen cushion with feather inner Lined L50 x W50cm, Manufacturer: Marks & Spencer

Friuli D.O.C Grave Merlot 2006 - Case of 6, at Mark & Spensers
Style: Medium bodied Grape variety: Merlot Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Portfolio Mixed Bead Long Necklace, at Marks and Spencer
Button fastening Mixed bead design Long length Necklace length 105cm

Hearts on a String Stripy Husband Anniversary Card, at Marks and Spenser
Cover text: With Love, To my wonderful Husband Inside message: Love from This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125mm

Ties Gift Card, at M&S
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

Classic Ceramic Tumbler, at M&S
Ceramic tumbler Chrome effect Wall mountable H14 x W11 x D10cm, Manufacturer: Marks & Spencer

Fairview Sauvignon Blanc Semillon 2008 - Case of 6, at Mark & Spensers
Style: Dry Grape variety: 50% Sauvignon Blanc, 50% Semillon Country of origin: South Africa Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites

Pure Cotton Long Sleeve Upsy Daisy Top, at Marks & Spenser
The Upsy daisy slogan makes this cute top even more fun

Long Sleeve Multiple Stripe Jumper Dress with Hat, at Marks & Spenser
Fashionable and contemporary, this jumper features a multiple stripe design and comes with a matching hat. A pretty, practical and easycare style

Elegant Collection - Floor Lamp, at Marks and Spencers
Conical shade Ridged top Round base Silver-effect metal base H144 x Diam 43cm Bulb: 100W GLS 21W CFL This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sonoma Console Table, at Marks and Spencer
H74 x W122 x D40cm 2 drawers Safety-tested toughened glass lower shelf Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength 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

M&S 5.2L Slow Cooker, at Mark's & Spencer
5.2 litre capacity 3 settings - low, warm and high Toughened glass lid Cool to touch handles Oval shape 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

Granite Chopping Board, at Marks and Spencers
Rectangular design Smooth surface, Manufacturer: Marks & Spencer

The World of Brass CD, at Marks and Spencer
Audio CD, Marks & Spencer

Blue Harbour Pure Cotton Wide Stripe Polo Shirt, at Marks and Spencers
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Older Boys' Wrap Around Mirror Sunglasses, at Marks & Spencers
Fashionable and fab, these Mirrored wraparound sunglasses give 100% UV protection for safer style in the sun

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spensers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.