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 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Besides M & S Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household 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 Financial Services 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 and Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Household Insurance and Standard Household 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.

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 Marks & Spenser 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, Sainsburys, 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

Sprung-Edge Suede Divan with 4 Large Drawers & M100 Mattress, at Marks & Spensers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 22cm Divan height: 41cm Large drawers: H14 x W78 x D52cm Mattress has dust-free polyester fibre filling Mattress spring count: 288 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Gold Plated Regal Cushion Ring, at Marks and Spenser
Small gemstone outer layer Larger gemstone centre

Little Me Crafts Pack, at Marks & Spencer
Creative kids will love this fun crafts pack with 15 crafts to make, decorate and share

Traidcraft Blue Mobile Baby Boy Card, at Marks and Spenser
Cover text: Blank Inside message: blank for your own message Approx size: 138 x 138mm

Double Breasted Chunky Knitted Cardigan, at Marks and Spencer
Fashionable and flattering, this cardigan features front pockets. A glamorous modern look

Maxim Casserole Dish, at M+S
Removable lid with small handle Height 10cm Diameter 25.5cm, Manufacturer: Marks & Spencer

Floral Quilted Bedset, at Marks & Spencers
Floral embroidered design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in)and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Children of the World Puzzle, at Marks and Spencers
45 pieces, including 9 stand-up pieces Explore the globe and meet some friendly faces Suitable for ages 3+ This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Art Nouveau Table Lamp, at Marks and Spenser
Conical panelled shade Chunky base M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here

Mirrored Sink Unit, Sink & Tap Set, at Marks & Spensers
Sink Unit: H81 x W60 x D43cm Overall: H89 x W60 x D43cm Mirrored glass Clear handles Toughened safety glass shelves 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Perfect Long Sleeve V-Neck Boyfriend Jumper, at Marks & Spensers
You love the boyfriend cardi...now here's the boyfriend jumper, in a lovely long line that suits all ages. If you're feeling bold, wear it just with tights!

Pure Cotton Cubes Towels, at Marks & Spenser
Cubes design Plain, Manufacturer: Marks & Spencer

Textured Single Breasted 2 Button Piped Jacket, at Marks & Spenser
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Pure Cotton Eskimo All-In-One & Hat Set, at M & S
Cute and practical, this 2 piece suit features eskimo motif and matching hat. The soft cotton will keep him comfy and the popper fastenings are great for fuss-free changes

Maternity Pure Cotton 3/4 Sleeve Blouse, at Marks and Spencers
Pretty and feminine, this 3/4 sleeve blouse is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. An essential fashion favourite

Panasonic 42'' TX-P42S10 Full HD Plasma TV, at Marks and Spenser
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 50 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast ratio (in dark surroundings): Native 30,000:1, Dynamic 2,000,000:1 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: W102.9 x H70.4 x D33.4cm (with stand) H102.9 x H66.1 x D10.5cm (without stand) Weight: 27kg (with stand) 25kg (without stand) V-Audio with SRS TruSurround XT: V-Audio delivers crystal-clear sound with superior bass performance while the SRS TruSurround produces enhanced surrounding effects Connectors: 4 HDMI, 2 Scart, PC Input, S-Video, Component Video Input, Headphone Jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 5,1200 steps of gradation Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Gold Diamanté Hearts Engagement Card, at Marks & Spencer
Cover text: On Your Engagement Inside message: Blank for your own message Approx size: 150 x 150mm

36 Indian Selection with a Tomato & Chilli Dip, at Mark's & Spencer
Contains 36 pieces Serves 8 Ready to cook Suitable for freezing Suitable for vegetarians 880g As featured on page 15 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

Blue Harbour Swimming Briefs, at Marks and Spenser
Practical and fashionable, these swimming briefs give a comfortable, flattering and secure fit

Autograph Essentials Embroidered Non-Padded DD-G Bra, at Mark's & Spencer
Elegant and feminine this non-padded bra features floral embroidery. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Blue Harbour Pure Cotton Check Shirt, at Marks & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Autograph Merano 2-Seater Unit (Left-Hand Arm), at Marks & Spencers
H84 x W172 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 have reversible cushions Available in fixed cushion covers only 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 Glide feet with a dark finish 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

Les Closiers Châteauneuf-du-Pape 2007 - Case of 6, at Marks & Spencer
Style: Dry, full bodied Grape variety: Grenache, Syrah, Mourvdre, Cinsault, Counoise Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Autograph Stripe Hipsters, at Marks and Spenser
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Single Breasted One Button Pinstripe Jacket, at Marks and Spencer
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Pure Cotton Long Sleeve Top, at Marks & Spencers
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Per Una Embroidered Long Sleeve Kaftan, at Marks & Spencers
A casual v-neck kaftan in pure soft cotton featuring an embroidered spot and floral design

Older Girls' Pure Cotton Stripe Pyjamas, at Marks&Spencer
Cute and comfy, these pure cotton stripe pyjamas are outstanding value

3 Piece Clear Cosmetic Bag Set, at Marks n Spencer
3 piece set Assorted sizes Transparent Contrast trim

Ceriso Jacquard Lace Padded Balcony Bra, at M+S
Sassy and glamorous, this modern bra is beautifully detailed with bow detail.Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spenser, 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.