M&S Money 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 Property 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 Property 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 Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

M&S Money 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 Money 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 & Spenser 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 Money UK and European Breakdown Cover, since it covers you as a passenger too.

Besides Marks and Spenser Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spensers purchases are also protected while you take them home.

Also, on both M&S Money Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Serene Bouquet, at M & S
An exquisite display of white blooms including Hydrangea, Alstroemeria, Lilies and Roses, beautifully backed by mixed foilage Available for delivery between 1st April to 30th September 2009

Leather Formal Classic Square Buckle Belt, at Marks & Spensers
Add a smart finishing touch with this leather classic square buckle belt

Pure Cotton Short Sleeve Large Spot Blouse with Belt, at Marks&Spencer
This fab short sleeve blouse features a stunning spot design. A sophisticated new look, perfect for this season

High School Musical 2 DVD, at Marks and Spencer
Rating Universal, suitable for all,

In Bloom Honeysuckle & Jasmine Eau De Toilette, at Marks and Spenser
Honeysuckle and Jasmine fragrance 100ml This product is not available for international delivery. Find out more

Maximum Support Sheer Bra, at Marks and Spencer
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

7 Pairs Of Freshfeet New Dot Socks with Silver Technology, at M&S
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Mirrored 3-Drawer Chest, at MarksandSpencer
H63.5 x W49 x D45.5cm 3 drawers Mirrored finish with clear knobs 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Tea Cups Mother's Day Card, at Marks and Spencer
Cover Text: Take it easy on Mother's Day! Inside Message: With lots of love Approx size: 178 x 126mm

Autograph Value Suit Trousers, at Marks & Spencer
Smart and stylish, these trousers are outstanding value! They're made from comfortable hardwearing fabric, ideal for sixth form wear

5 Lace Thongs, at Marks&Spencer
Providing the ultimate in comfort and fit. A consistently flattering cut and easy to care for fabric makes these great value thongs a superb solution for stocking up your day to day underwear drawer

A Bug's Life DVD, at Marks & Spencer
Rating Universal, suitable for all,

M&S Quad Set DECT Ergonomic Cordless Phones with Answering Machine, at Marks and Spencer
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

Perfect Autograph Cotton Rich Stormwear™ Military Mac, at M&S
This mac has it all. Water repellent, with a Stormwear finish and fully lined for warmth, it's stylishly cut, too, with a sim fit and military detail

Limited Collection Bow Peep Toe Platform Shoes, at Marks & Spencers
Peep toe Contrast strap detail Buckle fastening Platform style High heel Heel height 105 mm Comes in sizes 3-8, including half sizes

Small Teardrop Gem Photo Frame 10 x 10 cm (4 x 4"), at Mark's & Spencer
Round shape Tear drop gemstone design Aperture: 10 x 15cm (4 x 6in), Manufacturer: Marks & Spencer

Girls Only Scrapbook Fun, at Marks & Spensers
Complete this scrapbook to make a record of your unique, amazing life! There are spaces for your drawings, photos and thoughts, plus lots of cool stickers to decorate your masterpiece

125 Years Shopping List, at Marks and Spenser
1 magnetic shopping list (approx. 30 sheets of paper) 1 black ink pen (non refillable) Approx size: 134 x 257mm

Light Up Mirror Compartment, at Marks & Spencer
Prop up compartment Internal double mirror Square shape

Glass Boxed Mirror Photo Frame 20 x 25cm (8 x 10''), at Marks n Spencer
Plain glass boxed mirror photoframe Aperture: 20 x 25cm (8 x 10'') H39 x W34cm, Manufacturer: Marks & Spencer

Pink Fabric Flowers Birthday Card, at Marks and Spencers
Cover text: Happy birthday Inside message: Wishing you a wonderful day Approx. size: 174 x 126mm

Autograph Essentials Animal Print Blouse, at Marks and Spenser
This short sleeved blouse will make a useful addition to your wardrobe. It features pretty animal print for a stylish casual look

Smart Recycled Stormwear™ Trousers, at Mark's & Spencer
These smart trousers are made from polyester from 100% recycled sources. They are treated with our unique Stormwear™ finish which repels water and stains

In Bloom Rose & Amber Rich Hand & Body Creme, at Marks & Spencers
Rose & amber fragrance Softens the skin 200ml

Per Una Short Sleeve Lace Blouse, at Marks & Spencer
A feminine short sleeve blouse featuring chiffon and lace trim neckline

12-Piece Grace Dinner Set, at Marks and Spenser
12-piece set Includes 4 dinner plates, 4 side plates and 4 bowls Dinner plate: Diam 27.5cm Side plate: Diam 20.5cm Bowl: Diam 17.2cm Fine china Leaf design, Manufacturer: Marks & Spencer

Ses'fikile Rain Song Shiraz Pinotage 2007- Case of 12, at Marks & Spencers
Style: Full bodied Grape variety: Shiraz Pinotage Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Jersey Pinafore With Stain Defence™, at Marks & Spencers
This traditional pinny is treated with Stain Defence™ a high performance finish that protects against stains. Stretch jersey fabric makes it comfortable to wear and girls will love the pretty heart shaped button

All Whites Welcome Mix - Case of 12, at Marks and Spencers
2 Pinot Grigio Trentino 2008: A delightful example of Pinot Grigio from the cool foothills of Trentino in northern Italy... 2 Spinsanti Chardonnay 2008: An elegant and refreshing, lightly oaked Chardonnay from the Mendoza region of Argentina... 4 Domaine de L'Arbre Blanc 2008: A deliciously fruity Mediterranean white from the sunny South of France... 4 Aldea White 2008: This fruity, unoaked white wine is bursting with flavours of pineapple, apricot and aromatic herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Girly Cupcake Duo Multipack of Cards, at Marks & Spencers
Cover text: Design 1: blank, Design 2: happy birthday Inside message: Both designs: blank for your own message Pack contains: 8 cards, 2 designs Approx size: 138 x 138mm

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Money 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 Money, which also has other features.

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