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.

There are lots of ways to save money using M&S Finance. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor 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 Motor Insurance cover from M&S Finance, which also has other features.

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

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 Marks and Spencers 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:

• 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.

Organic Le Bosquet de la Dame 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape Variety: Syrah, Grenache Country: France Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Low Back Bra Extender, at M&S
Make your bra backless with this clever bra extender. Ideal for wearing under low backed tops and dresses

Traditional Bamboo Handle Umbrella, at Marks & Spencers
A traditional men's umbrella with a traditional bamboo handle for those who want some luxury in their life, it has gilt metal trim on the ferrule and bottom of the handle, suitable for everyday use

Pure Chronos CD Clock Radio, at M&S
Frequency ranges: Band III 174-240 MHz, FM 87.5-108 MHz CD Player: CD-R and CD-RW playback. Support for CD Text and 20 track audio CD playlist. Multiple playback modes (repeat, shuffle, etc). MP3/WMA playback, including support for ID3 tags Speakers: Two 3" x 1.5" custom-wound oval drive units Input connectors: 9V DC power adaptor socket (230V supplied). 3.5mm Line-in for auxiliary devices Output connectors: 3.5mm stereo output for headphones Controls: Power on/standby, sleep, source, tune/select, menu, alarm, info, presets, volume, play/pause, stop, fast forward, rewind and snooze Remote: Infrared remote control LCD display: LCD display with 16 x 2 characters, plus additional function icons (volume, time, alarms, signalstrength, source selected, repeat and shuffle) and large clock. Features adjustable backlight (active and standby mode) with auto-dimmer Mains power supply: 230V AC to 9V DC external power adapter Aerial: Wire aerial attached Alarm: Four independent alarm settings, with wake to tone, DAB, FM or CD options Light sensor: Adjusts the display brightness to suit the ambient light in your room MP3/WMA: Play MP3 or WMA files from CD or CD-R/RW. Supports ID3 tags Text scan: textSCAN™ - pause and control scrolling text RDS: RDS support for station name display on FM and RDS scrolling text Dimensions: H12.5 x W19.5 x D18.5cm 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 This product is not available for international delivery. Find out more

Brass Ball 5-Arm Ceiling Light, at Marks & Spencers
Brass effect Ball design 5 arms with voile shades Bulb: 5 x 40W SES or 9W CFL H40.5 x Diam 42.5cm, Manufacturer: Marks & Spencer

Fairtrade Organic Cotton Stripe Romper & Hat Set, at M+S
Look below to see a video clip about FairtradeThis cute romper and hat set is made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

2 Pure Cotton Assorted Leggings, at M & S
Cute and comfy, these practical leggings are made from soft cotton and feature assorted designs. A great value pack

Pure Silk Handwoven Cushion, at Marks and Spencer
Rectangular Plain Frill contrast trim This cushion is produced by Lotus Pond an M&S Fair Partner, Manufacturer: Marks & Spencer

Yellow Star Well Done Seed Card, at Marks and Spencer
Cover Text: Well done Inside Message: Blank for your own message Approx Size: 174 mm x 126 mm

18 Shoes Card, at Mark's & Spencer
Cover text: 18 Inside message: have a wonderful birthday Approx size: 126 x 174mm

Limited Collection Sleeveless Dart Detail Belted Dress, at Mark's & 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

Photo Party Shoes Birthday Card, at Marks and Spencers
Cover text: Get your party shoes on! Inside message: Blank for your own message Approx size: 150 x 150mm

Pure Cotton Denim Jacket, at Marks and Spencer
Stylish and fashionable, this pure cotton denim jacket makes a comfortable and practical choice

North Coast Pure Cotton Button Detail Funnel Neck Jumper, at Marks and Spencers
Fashionable and practical, this button detail funnel neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Autograph New York Bath Cream, at Mark's & Spencer
Bath cream 200ml

The Floral Collection Shower Cream Pack, at Marks & Spensers
Celebrating a floral heritage, this indulgent shower cream collection will gently cleanse your skin leaving it soft, smooth and beautifully scented

Wool Blend V-Neck Jumper, at MarksandSpencer
This great value jumper is soft, hardwearing and lightweight. An ideal choice for school

2 Pairs of Bart Simpson Trainer Liners, at Marks and Spencer
A must for fans of The Simpsons, these cotton rich socks feature Bart Simpson on a skateboard

Pure Cotton Floral Print Mock Layer Top, at Mark's & Spencer
Chic and modern, this mock layer top is made from cool comfortable cotton and features floral print neckline

Geoff Merrill Three Virgos Cabernet Sauvignon 2004 - Case of 6, at M & S
Style: Full bodied Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml:1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Embroidered Combat Trousers, at Marks and Spencer
Fashionable and practical, these combat trousers feature embroidered design. Soft cotton fabric and an elasticated waist will keep her feeling comfy

Prints - NAT LINEAR LEAF, at Marks and Spenser
Manufacturer: Marks & Spencer

Shady Grove Cabernet Sauvignon - Case of 6, at Marks & Spenser
Style: Full Bodied Grape variety: Cabernet Sauvignon Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Pure Cotton Assorted Sleepsuits, at M&S
Soft and snuggly, this practical pack of sleepsuits is great value! The cotton fabric is comfy to sleep in and popper fastenings make quick changes easy

Pure Silk Collie Floral Tie, at M+S
Add a luxurious finishing touch with this contemporary floral design tie in pure silk

Pure Cotton Reversible Jigsaw Bedcover, at Marks & Spencers
Jigsaw pattern Quilted design Reversible Stitch detail, Manufacturer: Marks & Spencer

Portfolio V-Neck Front Pleat Dress, at Marks & Spencer
Fashionable and modern, this knee length dress features a v-neck and front pleat detail. A flattering, stylish look

Autograph 3 Piece Jeans Outfit, at Marks and Spencer
Fashionable and practical, this cute outfit is made from soft cotton to keep him feeling comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Portfolio Tie Belt Safari Jacket, at Marks and Spencers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

M&S Twin DECT Ergonomic Cordless Phones with Answering Machine, at M+S
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Ergonomic design White, backlit inverse display Backlit keypad Phone book - stores 50 names and numbers Talk time - up to 9 hours with 100 hours standby Speakerphone - talk hands-free Caller display - identify your caller before answering Built-in digital answering machine with up to 15 minutes recording time iShare - access the answer machine from any handset Ringer melodies - choose from 10 different options Message counter display on base 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 This product is not available for international delivery. Find out more

Mark's & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor 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 Finance website. With a simple, no-hassle service, you can compare features between a number of M&S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (Home Insurance, Motor 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 Spencers insurance products in document format too.