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.

When you're shopping at M+S 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&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."

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 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.

Classic Collection Cashmilon™ Turtle Neck Jumper, at Marks and Spencer
Stylish and so comfortable, this jumper in softest cashmilon™ feels as good as it looks and the smart turtle neck adds the perfect finishing touch.

Silver Plated Pave Ball Ring, at Marks and Spencer
Large ball design

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

Slim Fit Flat Front Plain Grey Trousers, at Marks & Spencer
Every man needs a well tailored suit and this one is fantastically priced and fantastically smart too. Whether it's a great value basic, a classic investment piece, or the latest piece for spring

Watercolour Flowers 'Just To Say' Multipack of Cards, at M+S
Cover text: Just to Say... Inside message: Blank for your own message Pack contains: 8 cards, 1 design Approx size: Unfolded: 120 x 120mm

Sonoma Office Desk, at Mark's & Spencer
H77 x W131 x D65cm 1 large pull out drawer with fold down front Made from White Oak Solids and veneers This range features natural wood characteristics Finished with 2 coats of 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 Delivered flatpack due to size. 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 SAVE ON SETS Save at least 25% when you buy this desk as part of a set. Click here to view the Sonoma Office Collection Set. , Manufacturer: Marks & Spencer

Per Una Funnel Neck Knitted Cardigan, at Marks and Spencer
A cosy funnel neck cardigan in a chunky textured knit fabric featuring a zip fastening

Mirrored Floor Cabinet & Sink Unit, Sink & Tap Set, at Marks & Spencer
H88 x W40 x D36cm Sink Unit: H89 x W60 x D43cm Floor cabinet comes with 1 shelf 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 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

Pure Cotton Tatty Teddy Vest, at Marks and Spencer
Fans of Tatty Teddy will love this pure cotton vest featuring a studded slogan. A practical, easycare style

Cotton Rich Below The Waist Skinny Jeans, at Marks and Spencer
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Per Una Patent Finish Frame Bag, at Marks and Spencer
A patent finish makes this fashionable bag even more special. Give your look the Per Una twist!

Sprung-Edge Divan with 4 Large Drawers & M100 Mattress, at Marks & Spencer
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: 21.5cm Divan Height: 41cm Large Drawer: H14 x W78 x D52cm Mattress has dust-free polyester fibre filling Mattress Spring Count: 288 Sprung-Edge divan - 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

2 Climate Control Crew Neck T-Shirts, at Marks and Spencer
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Wine Gift Card, at MarksandSpencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online 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

Per Una 3/4 Sleeve Assorted Button Cardigan, at Marks & Spencer
A beautiful 3/4 sleeve cardigan in a chunky knitted fabric featuring stripe design and assorted button fastening

Classic Collection Floral Print Skirt, at M & S
Elegant and feminine, this floral print skirt is designed for a shapely silhouette. A smart modern look

Portfolio Pure Silk Lightweight Scarf, at Marks & Spencers
Add a luxurious finishing touch to your look with this elegant pure silk rose print scarf. The perfect accessory to this season's styles

Palataia Pinot Grigio 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Pinot Grigio Country of origin: Germany Closure: Screw cap Bottle: 12 x 75cl. Alcohol 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

5 Cotton Rich Plain School Socks, at Marks and Spencer
Versatile and comfy, these cotton rich socks are durable enough for every day school wear

Samsung 50'' PS50B551 TV HD Ready LCD Crystal TV™, at Marks & 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 LCD screen, 1920 x 1080 resolution Contrast Ratio (TBD): 30,000:1 (TBD) Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W124 x H82.2 x D29cm (with stand), W124 x H76.6 x D7.4cm (without stand) Weight: 38.4kg (with stand), 33.4kg (without stand) SRS TruSurround HD: SRS Trusurround HD & Dolby Digital Plus Connectors: 3 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x PC input, 1 x digital audio (Optical), Headphone jack DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Filterbright Panel FilterBright is a powerful anti-reflective film that absorbs external light and transmits internal light, thereby increasing the contrast levels and preventing unwanted reflection in bright daylight Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Die Cut Stripy 90th Card, at Marks and Spencers
Cover text: 90 Inside message: Blank for your own message Approx size: 175 x 125mm

Younger Boys' Pure Cotton Camouflage Hat, at Marks & Spencer
Add a stylish finish with this camouflage pull on hat

Perfect Portfolio Cluster Trim Pumps, at Marks & Spenser
Square toe Cluster and bow feature Square heel Slip-on Comes in sizes 3-8, including half sizes

Claret Christian Moueix 2005 - Case of 6, at Marks and Spencers
Grape variety: 95% Merlot, 5% Cabernet Franc Country of origin: France Closure: Natural Cork Bottle: 6 x 75cl. Alcohol by volume: 13% 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

Wool Blend Double Breasted Coat, at Mark's & Spencer
Fashionable and practical, this double breasted coat is fully lined and features front flap pockets. A comfortable, easycare style

Ceriso French Maid Stripe Bikini Briefs, at Marks and Spenser
Fab and funky, these modern bikinis feature stripe print and a rose detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Cuddly Duck Cloth Book, at Marks & Spencer
Cuddly duck cloth book with plush duck with squeaker

Penny Sweet Drop Earrings, at Mark's & Spencer
3 bead drop Hook fastening Drop style

Malabar 3-Door Glass Unit, at M&S
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

Stripe Bowl, at Mark's & Spencer
Stripe design Height: 6.5cm Diameter: 16cm, Manufacturer: Marks & Spencer

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 & Spencers 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 and 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 Car 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.