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 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 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.

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 Marks & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spensers 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, Home Insurance policies. Usually, UK Home 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 Financial Services Home 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

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

Long Sleeve Bead Embellished Kaftan, at Marks n Spencer
Feminine and flirty, this kaftan is designed to fit and flatter. A fabulous fashionable look

Mini Limited Long Sleeve V-Neck Top, at Marks & Spenser
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Plain Pull On Cashmilon™ Hat, at Marks & Spencer
Stay ahead of trends in this stylish hat made from supersoft cashmilon™. Warm and cosy, it's perfect with the matching scarf and gloves

Newborn Little Monster All In One & Shoes Gift Set, at Mark & Spencers
2 part set Popper fastening, stripe all in one suit with 'little monster' slogan and motif Slip on shoes with 'little monster' motif

Autograph Value Suit Trousers, at Marks and Spenser
Smart and stylish, these trousers are outstanding value! They're made from comfortable hardwearing fabric, ideal for sixth form wear

Cotton Rich Short Sleeve Hooded Zip-Up Top, at M&S
Ideal for your workout or when you just want to relax, this hooded top comes with added stretch, giving you that extra freedom to move

Pure Cotton Long Sleeve Stitch Stripe Shirt, at Mark's & Spencer
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

Check Design Waterfall Pencil Skirt, at Marks & Spensers
This chic pencil skirt flatters your curves and is a feminine wardrobe essential. With a ruffled front and a fashionable dogtooth print, this is a striking look for day or night

Autograph Pure Cashmere Slash Neck Jumper, at Marks and Spencers
Sophisticated and modern, this slash neck jumper is made from pure cashmere for the ultimate in luxurious softness

Faceted Duo Bangles, at Marks & Spencers
2 bangles Assorted colours Faceted design Slide on

Limited Collection Pure Cotton Ruffle Front Tunic, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

First Readers Hansel and Gretel, at M+S
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Silver Jewel Effect Roll Wrap, at Mark's & Spencer
Includes 1 roll wrap Approx. size: 150 x 70cm

Amazing Planes Book, at Marks & Spencer
This book contains all the press out model pieces you need to make six different planes. Fit your planes with the plastic nose cones provided and then see how far you can fly them ! Plus inside you'll find loads of crazy, amazing, fantastic facts and true stories about planes !

Ashton Bedstead, at Marks and Spenser
Headboard: H111.5cm Endboard: H69cm Underbed: H28cm Single: L201 x W101cm Double (4ft 6''): L201 x W147cm King size (5ft): L201 x W162cm Mattress sold separately Made from solid poplar and rubberwood 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 Delivered flatpack due to size 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

Footglove™ Leather Formal Loafers, at Marks & Spencer
Square toe Chunky design Stretch band detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Le Cortiglie Falanghina 2007 - Case of 12, at Marks and Spenser
Style: Full bodied Grape variety: Falanghina, 10% Trebbiano di Soave Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Firm Control No VPL Multiway Body, at Marks and Spenser
Look slimmer in seconds! This firm control body gently shapes your figure all over for a smoother, sleeker silhouette with no VPL. The versatile multiway style can be worn strapless, halterneck, cross back or one-shoulder

2'' Longer Quick Iron Pure Cotton Bold Stripe Shirt, at Marks and Spencers
Ideal for taller men, this stylish shirt is 5cm (2") longer in the sleeve and body for a better fit

Watercolour Flowers Anniversary Card, at Mark & Spensers
Cover text: Happy Anniversary Inside message: With love Approx size: 175 mm x 125 mm

Brushed Metal Round Wall Clock, at Marks and Spencer
Roman numerals Contrasting circular design Brushed metal finish Quartz accuracy A quartz clock keeps time by the vibrations of a quartz crystal. It is judged to be the most accurate timepiece now on the market, losing or gaining only a minute a year, compared with one or two minutes a week for most other watches Contemporary styling, spun aluminium dial Glass & metal case Dimensions: 30 x 30 x 2.5cm Weight: 1.40kg Round face, Manufacturer: Marks & Spencer

Alice in Wonderland Book with Charm, at Marks & Spencer
This magical tale is beautifully illustrated, binging Alice's adventures to life. Lewis Carroll's popular tale has been retold with clear and simple test providing a wonderful introduction to Alice in Wonderland

Casa Leona Sauvignon Blanc 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

That's Not My Puppy Book, at Marks n Spencer
This delightful series of board books is aimed at very young children. The bright pictures, with their patches of different textures, are designed to develop sensory and language awareness. Babies and toddlers will love turning the pages and touching the feely patches

Revo Blok Real Wood iPod® Speaker & Docking Station, at Marks n Spencer
Hand-made real wood cabinet Machined aluminium cabinet components 40 watts (2 x 20 watts) from Class D amplifier NXT Balanced Radiator speaker technology Compatible with all iPod models Includes full feature ergonomic remote control Full range of iPod dock adaptors Acoustic Configuration: Vented box with rear-firing port tuned to 65Hz Driver Unit: 2x 4.5" NXT Balanced Radiator full-range units utilising neodymium magnet systems Frequency Response: 55Hz to 20kHz (-6dB) Max SPL: >100dB SPL at 1m Power: Continuous 20W(RMS) per channel Sensitivity: 85dB 1W, 1m (per channel)

Girls' Limited Stripe Dress, at Mark's & Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Sprung Edge Non-Storage Divan & Autograph M500 Zip & Link Mattress, at Marks & Spencer
No turn mattress: medium / firm tension Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Ultimate Non-Iron Pure Cotton Long Sleeve Shirt, at Marks & Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Tall Glass Tumbler, at Marks & Spencer
Dishwasher safe, Manufacturer: Marks & Spencer

Long Faux Pearl Necklace, at Marks & Spencers
Long chain Clasp fastening Mixed faux pearls Necklace length 40cm

When you're shopping at Marks & 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 Car Insurance, there's a lot more going on at Marks and 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."