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.

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spencers Standard Car Insurance. With M&S Financial Services you can keep the cost of your Car 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 Car Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and 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 Car Insurance from M&S Money, you get more, and you pay less.

M&S Financial Services offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Car Insurance is not like that at all, and when you compare M&S Car 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 and Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.

The Mail Trivia Quiz Book, at Marks and Spenser
The Daily Mail Trivia Quiz Book - hundreds of stimulating Q&As on every conceivable subject

Autograph Double Riptape Shoes, at Marks and Spencers
Round toe Riptape fastening Punch detail Flat Stitch detail

Secret Support™ Lace Trim Vest, at Mark & Spensers
Add a soft, supportive layer to your daily attire with the Secret Support™ incorporated into the design of this cosy vest

Single Pleat Trousers with Wool, at Marks & Spencer
Cut from a wool blend fabric with elastane lycra for durability, good crease recovery and comfort, these smart trousers provide the utmost in everyday convenience thanks to a machine washable design

Collezione Exclusive Pure Wool Single Pleat Twill Trousers, at Marks and Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Per Una Single Breasted 3 Button Tweed Jacket with Wool, at M+S
A fashionable single breasted jacket in textured fabric featuring button tab pockets

Harvard Talc, at Marks and Spencer
200g

Blue Harbour Pure Cotton Deckchair T-Shirt, at Marks and Spencers
Fashionable and relaxed, this short sleeve t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Sleeveless Thermal Vest, at Marks and Spencer
Soft, warm and cosy, this cotton blend thermal vest are designed to give comfy insulation, perfect for chilly weather

Autograph Wool Blend Single Breasted 2 Button Pinstripe Jacket, at Marks and Spencer
Luxurious and elegant, this smartly tailored wool blend jacket is part of our exclusive Autograph range

PlayStation®3 Tiger Woods PGA Tour 08 Game, at Marks & Spencers
All-New EA Sports GamerNet, where online interaction has been taken to the next level Record everything from your greatest rounds to crazy, awe-inspiring shots, then post each challenge on EA SPORTS GamerNet for the world to beat Put yourself in the game like never before. Upload real-life photographs of yourself, friends, and family All-new Shot Confidence tracks your performance on every hole Featuring the greatest PGA Tour and LPGA Tour pros, including Tiger Woods, John Daly, and Vijay Singh Plus Annika Sorenstam, Natalie Gulbis, Christie Kerr, and Morgan Pressel Suitable for ages 3 years + 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Saunders Bedstead, at Marks & Spencers
Headboard H91cm Endboard H51cm Dbl L199 x W135cm (W143cm with headboard) 5ft L199 x W150cm (W158cm with headboard) 6ft L199 x W180cm (W188cm with headboard) Chrome metal frame with real walnut veneer Mattress sold separately This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Handcrafted Peter Rabbit Easter Card, at M & S
Cover text: Happy Easter Inside message: blank for your own message Approx size: 230 x 114mm BEATRIX POTTER™ Frederick Warne & Co. 2009 Frederick Warne & Co. is the owner of all copyrights and trademarks in the Beatrix Potter characters names and illustrations. Licensed by opyrights group

Disney Fairies Tinkerbell Colour & Activity Pad, at Mark & Spencers
Character based colour and activity book with a sheet of stickers Includes lockable journal and fairies gel pen Ideal for 5+ years Disney, Manufacturer: Marks & Spencer

M400 Mattress - Medium, at Marks & Spensers
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning 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

Plain Crook Umbrella, at Marks & Spenser
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

Maxim 4-Slice Toast Rack, at Marks n Spencer
Suitable for everyday use Can hold up to 4 pieces of toast Versatile fine dining range Pure white porcelain H7 x W8cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Lifeguard Top, at Mark's & Spencer
Cute and comfy, this practical cotton top features a 'lifeguard in training' slogan and motif. The envelope neckline makes it easier to dress him

Autograph Sateen - SATEEN STRIPE PC, at Marks & Spensers
Manufacturer: Marks & Spencer

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

Per Una Stripe Knitted Cardigan, at Marks & Spencer
A fashionable short sleeve cardigan featuring stripe design and front pockets with knitted bows

Pure Cotton Sleeveless Pleated Top, at Marks & Spencers
For casual elegance, you can't beat this pleated scoop neck top. A great value cotton essential

Per Una Pure Linen Single Button Jacket, at Marks & Spencer
A fashionable single breasted jacket in pure cool linen featuring a turn up sleeve and single button fastening with detachable broach

Fuzzy Teddy Grandpa Card, at MarksandSpencer
Cover text: Grandpa... ... down tools on your birthday! Inside message: Blank for your own message Approx. size: 150 mm x 150 mm

North Coast Straight Leg Jeans, at Marks and Spencer
Relaxed and casual, these jeans are made from soft cotton. Added stretch keeps them in great shape and gives added comfort and ease of movement

1001 Little Fashion Miracles by Caroline Jones, at Marks & Spencers
Everything you need to know on styling, accessorizing and shopping. It will help you look your best in all types of circumstances. It also illustrates how to choose fabrics and cuts that flatter your figure, how to get the perfect balance between under dressing and overdressing, and how to create a striking silhouette that looks elegant but not contrived

2 Angel Contrast Strap First Bras, at Mark's & Spencer
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit. The unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Star Sunglasses, at MarksandSpencer
A hot look for summer, these fabulous star sunglasses add instant style and glamour

Per Una Short Sleeve Sunset Stripe Blouse, at Marks and Spencers
A colourful short sleeve blouse in textured fabric featuring a bold sunset stripe print

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks n Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Home Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Mark's & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.