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 Property 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 Property 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.

When you're shopping at Marks n 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 Finance. Offering everything from savings accounts and credit cards, to Property Insurance and Motor 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 Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."

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

Pure Cotton Hannah Montana Glitter Rock T-Shirt, at Marks and Spencer
Fans of Hannah Montana will love this cotton t-shirt featuring the popular character. A practical, easycare style

Footglove™ Widefit Leather Ankle Boots, at M & S
Round toe Stitch detail Side zip fastening Ankle high Mid heel Heel height: 56mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Collezione Snaffle Loafers, at Marks and Spenser
Square toe Slip-on Snaffle feature Block heel

Pure Cotton Short Sleeve Tunic, at Marks and Spencers
Fashionable and contemporary, this versatile cotton tunic features short sleeves. Match with your leggings or trousers for casual style

Silicone Nipple Covers, at MarksandSpencer
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

Isis Deodorising Body Spray, at M&S
To Use: Shake well. Spray 15 cm from your body Deodorising body spray 150ml This product is not available for international delivery. Find out more

Bacon, Leek & Vintage Cheddar Puff Pastry Tart, at Marks and Spencers
Serves 4-6 Ready to cook 400g As featured on page 21 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

Funky Dotty Birthday Card, at MarksandSpencer
Cover Text: Have a fab birthday Inside Message: Happy birthday! Approx size: 230 x 114mm

Cross Dye Quilted Bedcover, at M & S
Stitch detail Padded Medium: 150x200cm Large: 260x265cm, Manufacturer: Marks & Spencer

Party Cocktail Invitations - Pack of 10, at MarksandSpencer
Cover text: Party.....Celebrate Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120 mm

Per Una Fuzzy Spot Print Dress, at Marks and Spenser
A feminine spot print dress featuring ruched bustline and fuzzy spot print

2 Piece Pure Cotton Yee Ha Dungaree Outfit, at Marks and Spencer
Fun and practical, this cute 2 piece dungaree outfit features a cowboy motif and slogan. It's made from pure soft cotton to keep him comfy

Ingredients Lemon Body Butter, at M & S
Lemon scented 200ml

Portfolio Funnel Neck Double Breasted Coat, at Marks & Spenser
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

7 Pairs of Fresh Feet Days of the Week Socks, at M & S
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Pure Cotton 3/4 Sleeve Denim Shirt, at Marks & Spensers
Casual and contemporary, this denim shirt is made from cool comfortable cotton and features popper fastening

Pencil Stripe Mug, at Marks & Spencer
Pencil stripe design Height: 9 cm, Manufacturer: Marks & Spencer

Photo Cocktail Sister Card, at M&S
Cover text: Fabulous Sister Inside message: Happy Birthday Approx size: 175 x 126mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pure Cotton Dog Motif Mock Layer Top, at Mark & Spensers
Cute and comfy, this fashionable mock layer top is made from soft cotton.

Linen Rich Stripe Flat Cap, at Marks n Spencer
A traditional British classic, this is a versatile style that looks great worn smart or casual

Pearl Delight Bracelet, at Marks and Spenser
Beaded design Charm detail Stretch bracelet

Rockridge Cabernet Sauvignon 2007 - Case of 12, at Mark's & Spencer
Style: Full bodied Grape variety: Cabernet Sauvignon Country of origin: South Africa Closure: Natural cork Bottle: 12 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

Pure Linen Wide Leg Trousers, at Marks & Spencers
Fluid and feminine, these wide leg trousers are cut to fit and flatter, giving an elegant silhouette. A look you can dress up or down

Stormwear™ Hooded Ruffle Parka, at Marks & Spencer
Fashionable and practical, this warmly padded coat is treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Cats Double Sided 500 Piece Jigsaw, at M&S
Number of jigsaw pieces: 500 Approx. size of completed puzzle: 960 x 170mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Cotton Rich Zig Zag Stitch Jacket, at Marks & Spencers
A smart single breasted jacket in soft cotton rich fabric. The zig zag stitch detail gives it the Per Una touch

Linen Blend Ribbon Embroidered Vest, at Marks & Spencer
Bring some casual elegance to your wardrobe, with this woven vest that features ribbon embroidery making this top irresistibly stylish

Big & Tall Pure Cotton Flat Front Trousers, at Marks and 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. Perfectly proportioned for big and tall men

Jacquard Bonded DD-G Bra, at Marks & Spencers
Smooth and versatile, this jacquard bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Dualit Jug Kettle - Cream, at M+S
1.5 Litre - 12 cup capacity 3000 watt Rapid boil concealed element Washable limescale filter Cordless operation Large viewing windows on both sides Can be placed on its base at any angle Heatproof handle, ball knob and finger-guard Non-slip rubber feet Oversized non-drip spout Weight: 1.36kg Dimensions: H27cm 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

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