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 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 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 and 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 Home Insurance and Motor Insurance, there's a lot more going on at Mark's & 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."

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 M+S 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 & Spensers, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.

Easycare Satin Check Short Sleeve Shirt, at Marks & Spencer
This easycare shirt has a smart and cool satin check design. Short sleeves will take the heat off in the summer

Lichfield Slat-Back Fabric Chair, at Marks & Spencer
H102 x W46 x D60cm Single chair Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood 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. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Long Sleeve Tie Fastening Cardigan, at MarksandSpencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Blue Harbour Stormwear™ Gilet, at Mark's & Spencer
Stylish and innovative, this gilet is treated with Stormwear™ technology, a breathable finish that repels water and stains

Maternity Limited Collection Straight Leg Jersy Trousers, at M&S
Fashionable and modern, these straight leg trousers are designed to flatter you and your bump. The stretch waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Abbot Chair in Plain Leather - Poppy, at Marks and Spencer
H78 x W76 x D78cm Seat H43cm, arm H71cm (all dimensions are approximate) Upholstered in poppy leather Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Solid birch feet with a dark finish Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown All of our fabrics have a stain resistant finish. Detailed care instructions are included Frame exceeds the British Standards set for heavy domestic use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Leather Trifold Wallet, at Marks and Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards and notes

Girls' Fashion Schoolwear - City Turn-Up Shorts with Stain Defence™, at Marks & Spenser
Fashionable as well as practical, these city shorts make a stylish alternative to skirts or trousers for school. Stretch fabric gives a comfortable and shapely fit. Our unique Stain Defence™ finish repels everyday stains

Cotton Rich Coolmax® Flat Sheet, at Marks&Spencer
Plain Easycare Perfect for use with our range of cool cotton duvets and protectors 220 thread count for a smooth crisp finish that requires minimal ironing Comes in single, double, kingsize and super-kingsize Depth 25cm, Manufacturer: Marks & Spencer

Chunky Knitted Cushion With Recycled Filling, at Marks and Spencer
Chunky knit 3 button detail 50cm X 50cm, Manufacturer: Marks & Spencer

3 Pairs of Cotton Rich Trainer Liner Socks, at Marks & Spencers
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, and have a cute pom pom detail

Stainless Steel Meat Prong, at Marks & Spencers
Loop in the handle for hanging Stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3D Rosebud Cushion - Cream, at M+S
L43 x W43cm 3D rose applique design Pure Cotton, Manufacturer: Marks & Spencer

Montreal Large 2-Seater Sofa, at Marks and Spencer
H94 x W218 x D104 Seat H44cm, arm 63cm, top back rail 70cm (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™ - 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 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Via Ulivi Pinot Grigio Venezie 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Pinot Grigio & Garganega Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Charlotte Lge 2 Seat Sofabed (occasional) AU09 Newness, at Marks & Spencers
Manufacturer: Marks & Spencer

Château Gasparets Corbières 2007 - Case of 12, at Marks & Spensers
Style: Full Bodied Grape variety: Carignan, Syrah, Grenache, Mourvedre Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3D Heart & Text Wife Birthday Card, at Marks & Spencer
Cover text: Wife, Birthday wishes to my wonderful wife, To my wonderful wife birthday wishes, Wife birthday wishes to my wonderful, Wishes to my wonderful wife birthday, Wonderful wife birthday wishes to my, To my wonderful wife birthday wishes, Birthday wishes to my wonderful wife, Wife birthday wishes to my wonderful, Wishes to my wonderful wife birthday, Birthday wishes to my wonderful wife Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Autograph Milan Chrome Tumbler, at Marks and Spencer
Chrome H7 x W10.6 x L11.3cm Glass tumbler, Manufacturer: Marks & Spencer

Panasonic Lumix DMC-FX40 Digital Camera, at Marks and Spencers
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Display: 2.5 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.5 x H5.2 x D2.1cm Weight: Approx. 150g with Battery and SD Memory Card, Approx. 128g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Standard Accessories: Battery Charger, Battery Pack, Battery Case / AV Cable, USB Connection Cable, AC Cable / Hand Strap, CD-ROM Built-in-Flash:Auto, Auto/Red-eye Reduction, Forced On, Slow Sync./Red-eye Reduction, Forced Off 0.6 - 6.0m (Wide/ISO Auto), 1.0 - 2.8m (Tele/ISO Auto) Recording Media: Built-in Memory, SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only)

4 Pairs of Textured Stripe Socks, at MarksandSpencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Gold Label Chardonnay 2008 - Case of 12, at Mark & Spensers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by 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

Skull & Stripe Bedset, at Marks & Spencers
Skull and stripe design Set includes single duvet cover and 1 pillowcase, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Stripe T-Shirt, at Marks & Spensers
This short sleeved t-shirt will make a useful addition to your wardrobe. It features smart stripe print for a stylish casual look

Big & Tall Single Pleat Microcheck Trousers with Wool, at Marks & Spenser
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear. Perfectly proportioned for big and tall men

Bold Spot Eyelet Curtains, at Marks & Spencer
Bold spot design Eyelets Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

3/4 Sleeve Empire Line Top, at Marks & Spenser
Chic and modern, this 3/4 sleeve top is made from softly draping stretch viscose for a fluid look. The gathered shoulder detail adds a fashionable finishing touch.

Per Una Embroidered Lightweight Jersey Skirt, at Marks and Spencers
A beautiful full length jersey skirt in soft stretch fabric featuring an embroidered detail

18 Oak Smoked Salmon Appetisers, at MarksandSpencer
18 pieces Serves 4 Ready to eat Suitable for freezing 180g As featured on page 10 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Tall Cylinder Bubble Base Vase, at Marks & Spensers
Bubble base feature Hand made, clear finish Made of glass H40 x Diam 14cm, Manufacturer: Marks & Spencer

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark's & Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.