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 Household 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 Household 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Marks and Spencer 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 Household 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 (Household 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&Spencer insurance products in document format too.

Per Una Sequin Detail Cardigan, at Marks & Spensers
A fashionable 3/4 sleeve cardigan featuring sequin details and ribbed trim. Decorative buttons give it the Per Una touch

Pure Cotton Straight Leg Trousers, at M & S
A stylish smart-casual look, these straight leg trousers chinos are outstanding value! They're made from pure cotton which is comfortable, practical and easycare

Freshfeet Rip Tape Velour Slippers, at Marks & Spensers
Round toe Rip tape fastening Tartan style lining pattern Flat sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Autograph Essentials Cowl Neck Jumper with Merino Wool, at Marks & Spenser
A touch of fine merino wool adds softness and warmth to this pretty cowl neck jumper

Valpolicella Classico 2008 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Mixed Red Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. 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

Eyeliner Pencil, at Marks n Spencer
Available in 3 shades 1 gram

Birds With Flowers Anniversary Card, at Marks & Spenser
Cover Text: Wishing you lots of love on your special day Inside Message: Happy anniversary 176 mm x 126 mm

Dusk Sparkle Earrings, at Marks&Spencer
Hook fastening Diamant cluster Drop style Silver plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Enry the Elephant Sister Birthday Card, at Mark & Spencers
Cover text: To a lovely Sister Message: Have a lovely day! Approx size: 150 x 150mm

Red Pepper & Goat's Cheese Puff Pastry Tart, at Marks n Spencer
Serves 4-6 Ready to cook Suitable for vegetarians 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

Silver Plated Ramases Abalone Necklace, at Marks and Spencer
Clasp fastening Adjustable length Abalone pendant

Flat Front Crease Resistant Trousers, at Mark's & Spencer
Stay smarter for longer with these innovative crease resistant trousers

Petite Funnel Neck Water Repellent Belted Mac, at Marks and Spencers
Practical and fashionable, this water resistant mac is perfect for drizzly days. Specially designed and perfectly proportioned for the petite frame

Road Monsters Fire Vehicles Set, at Marks and Spencers
Suitable for ages 3+ 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Tyrrell's Fifth Generation Shiraz 2006 - Case of 12, at Marks & Spencers
Style: Dry, medium bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites This product is not available for international delivery. Find out more

Autograph Long Sleeve Mock Shirt Jumper, at Marks and Spenser
Fashionable and contemporary, this v-neck mock shirt jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

5 Older Girls' Pure Cotton Star Trim Assorted Shorts, at Marks & Spenser
Practical and fashionable, this pack of 5 cotton shorts feature star trim and assorted designs

Maternity Piped Swimsuit, at Mark's & Spencer
Fashionable and modern, this piped swimsuit is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Handcrafted Contemporary Eggs Easter Card, at M&S
Cover text: Easter treats Inside message: blank for your own message Approx size: 230 x 114mm

Italian Collezione Pure Silk Wheat Tie, at Marks & Spencers
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Autograph Essentials Rose Embroidered Padded Bra, at Marks & Spenser
Fresh and pretty, this rose embroidered padded bra features a floral trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Pair of Rosemary Trees, at Marks and Spencers
This pair of herb trees will look stunning on a patio or doorstep and provide delicious flavours in cooking Available for delivery until 30th September 2009

Ribbed Thermal Leggings, at Marks&Spencer
Keep your legs feeling warm during the colder months with these cosy thermal leggings. Pair with a skirt for a great winter look or wear them under your trousers for a snug extra layer

Per Una Floral Print Pleat Skirt, at Marks and Spencers
A stylish mid-calf length skirt in stretch cotton featuring a floral print and pleat design

Stainless Steel Flour Shaker, at Marks and Spencers
Stainless steel Sieve feature Hook design handle H10 x Diam7cm, Manufacturer: Marks & Spencer

5 Pairs of Older Boys' Argyle Socks, at Marks & Spencers
Brighten up his underwear drawer with these fashionable argyle socks

Blue Harbour Linen Blend Check Shirt, at Marks & Spencers
Relaxed and stylish, this check shirt is made from a blend of linen and cotton so it feels cool and comfortable to wear

Splish 'n' Splash Tugboat, at Marks & Spencer
Includes a green fish scoop with handle and a small teddy When water is scooped into the ''crow's nest'' it flows through and turns the waterwheel Suitable for ages 0 - 3yrs Approx size: 26 x 22.5 x 9cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Lavender Refresher & Burner Oil, at Marks & Spenser
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Girlie Dress Up Jotter Box, at Marks and Spencers
Contains: 1 jotter box and 1 pad of notepaper H11.3 x W11.2 x D9cm

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & 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 Household 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 Marks and Spenser, 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.