Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but M&S do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (Home Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spenser insurance products in document format too.

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 and Spencers are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spencers 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.

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.

Disney My Friends Tigger & Pooh Story Collection Book, at M+S
When Pooh and the gang take a break from painting the scenery for a stage show, they return to find some new colours on the set. But where did they come from? Ready the story to find out if another mystery will soon be history! Then, complete the activity pages at the end of the book. Includes stickers of all your favourite friends

Pure Cotton Single Pleat Trousers, at Marks & Spencer
Smart and stylish, these trousers are made from a soft pure cotton. An ideal choice for work or everyday wear

Per Una Pure Cotton Lily Print Kimono, at Mark's & Spencer
Modern and feminine, this pretty kimono is made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Pure Cotton Plain Dye Bathmats, at Marks n Spencer
Block colour design Bathmat: L75 x W50cm Pedestal mat: L50 x W50cm Shower mat: L50 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Blue Energy Eau de Toilette, at M & S
100ml Eau de Toilette Natural spray This product is not available for international delivery. Find out more

3 Easycare Short Sleeve Patch Pocket Shirts, at Marks and Spencer
These easycare short sleeve shirts are outstanding value! A school essential

Ombre Style Sunglasses, at Marks & Spensers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Montreal Compact 2-Seater Sofa, at Marks & Spencer
H94 x W172 x D104cm Seat H44cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - 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 feature reversible cushions 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 Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence& trade; - 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sunny Daze Eau De Toilette Purse Spray 25ml, at Marks & Spencers
Fruity floral fragrance 25ml

Diagonal Cut Cufflinks, at Marks and Spencer
Add a smart finishing touch with these diagonal cut cufflinks

5 Big & Tall Authentic RealCool Cotton™ Plain Slips, at Marks & Spensers
These slips are made with RealCool Cotton™ which combines natural cotton with moisture management technology. The innovative fabric draws moisture away from your skin for rapid evaporation to keep you fresh, dry and comfortable

The Dangerous Book for Boys Go-Cart Birthday Card, at Marks & Spenser
Cover text: The Dangerous Book for Boys Inside message: Have a dangerous birthday! Approx size: 150 x 150mm

Limited Collection Frill Side Tunic, at Marks and Spencers
Get the latest look in this trend-conscious tunic with contemporary frill details

Limited Collection Sleeveless Dart Detail Belted Dress, at Marks & Spencer
Sleek and chic, this knee length dress is tailored to fit and flatter. A stylish choice for work or smart occasions. It's machine washable for added convenience

2 Pairs of Plain Bodysensor™ School Tights, at Marks & Spensers
These amazing tights resist bobbling and will keep her cool when it's warm and warm when it's cool

2 Younger Boys' Pure Cotton Monkey Pyjamas with Toy, at M&S
Made from comfortable, breathable pure cotton, this pack of 2 monkey print pyjamas are outstanding value

High School Musical Awesome Activities Book, at M&S
Activity book which comes with a sheet of stickers for the reader to brighten up the pages with. There's also a fabulous mobile phone sock cover mounted to the front of the book so the reader's mobile phone can be covered in a groovy East High design

Harbour Scene 60th Birthday Card, at Marks and Spencer
Cover text: Happy 60th Birthday Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Apple Tree Retirement Card, at Marks & Spencer
Cover text: On your Retirement Inside message: Enjoy the fruits of your labour Approx size: Unfolded: 174 x 126mm

Pure Cotton Quick Iron Long Sleeve Check Shirt, at Marks and Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look.

In Bloom Lime Blossom & Bergamot Eau de Toilette, at Marks & Spencer
Eau de Toilette 100ml This product is not available for international delivery. Find out more

16-Piece Manjaro Cutlery Set, at Marks & Spencer
16-piece set 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Duckling Square Ceramic Money Box, at M & S
Pack contains: 1 money box Approx size: H100 x W100 x D100mm

Pure Cotton Long Sleeve Crochet Cardigan, at Marks n Spencer
Knitted in pure cotton, this pretty crochet cardigan will keep her warm and comfy. It looks cuddly too!

Pure Cotton 'The Muppets' Bodysuit, at Marks and Spenser
Cute and practical, this bodysuit is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Older Boys' Cymru Rugby Swimming Shorts, at Mark & Spensers
Sports fans will love these cosy Cymru swimming shorts featuring the country motif. A practical, easycare style

Per Una Essentials Seersucker Shorts, at Marks & Spencers
Feminine and delicate, these stylish shorts feature a lace trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

2 Cotton Rich Straight Leg Joggers, at Marks and Spencers
Casual and comfortable, these easycare cotton joggers are outstanding value

Older Girls' Lace-Up Basic Trainers, at MarksandSpencer
Sporty and stylish, these comfortable trainers feature mesh detail and lace-up fastening

Clip-On Booklight, at Marks and Spencer
Shed some light on the subject with this lightweight compact clip-on booklight which comes complete with batteries

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 Spencers 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.