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 Buildings & Contents 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 Buildings & Contents 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.

Besides MarksandSpencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Buildings & Contents 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 Buildings & Contents Insurance and Standard Buildings & Contents 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.

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 Money financial products are, of course, designed to make Mark's & Spencer 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Money Buildings & Contents 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 Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Autograph Pinstripe Jacket, at M & S
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Patchwork Heart Wedding Anniversary Card, at Marks and Spencer
Cover text: Happy anniversary Inside message: Blank for your own message Approx. Size: Unfolded: 215 x 150mm

Paradiso Sauvignon Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Natural cork 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

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

Matt Double Bridge Sunglasses, at Marks & Spencers
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Happy Birthday Clutch Bag Gift Card, at Marks and Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Per Una Roma Textured Stripe Bootleg Trousers with Belt, at Marks & Spenser
A stylish pair of bootleg trousers in stretch cotton featuring a self stripe design and buckle belt

Ultrafit Plain Sports Top, at Marks n Spencer
This innovative Ultra Fit Sport top keeps you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

V-Neck Plain Jumper, at Marks and Spencer
Soft and comfy, this warm knitted plain jumper is outstanding value. A fashionable easycare style

Autograph Semi-Plain Collection Pure Cotton Towel, at Marks & Spencer
3 piece set Hand towel: L90 x W50cm Bath sheet: L120 x W70cm X Large bath towel: L140 x W100cm, Manufacturer: Marks & Spencer

Portfolio Knee Length Check Skirt with Belt, at Marks and Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Collezione Wool Blend Double Collar Coat, at Mark & Spensers
Casual sophisticated and contemporary, this double collar coat is inspired by Italian tailoring

Portfolio Pure Silk Contrast Border Lightweight Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk contrast border scarf. The perfect accessory to this season's styles

Duck Rillette, at Marks and Spencer
Serves 18-20 Ready to eat 750g As featured on page 19 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

Glass Ball Candle Holder, at M & S
Ball design Thick base Diam 10.6 x H13cm, Manufacturer: Marks & Spencer

Pure Cotton Camouflaged Shorts with Belt, at Marks and Spencer
A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature a stylish camouflaged print. A fashionable, easycare style

La Prendina Pinot Grigio Rosé 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Pinot Grigio & Rodinella Country of origin: Italy Closure: Natural cork 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

Cream Aluminium Frying Pan, at Mark & Spencers
Diam: 24cm Non-stick coating, Manufacturer: Marks & Spencer

Stitch Back Knee Length Pencil Skirt, at Marks and Spencer
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Footglove™ Ruched Trouser Shoes, at Marks and Spencers
Pointed toe Ruched design Low ankle fit Footglove™ soles are comfortable, highly flexible and lightweight High heel

Tiny Fairies Nan Birthday Card, at Marks and Spencer
Cover Text: To my lovely Nan, You mean such a lot to me xx Inside Message: Hope that your birthday is as special as you are xx Approx. Size: 178 x 126mm

Garmin® Nüvi® 255 Satellite Navigation System, at Marks and Spencer
Free 2 year guarantee Simple, safe and portable with optional traffic re-routing, the nvi 255 is your personal travel assistant. This simple, safety-minded navigator includes turn-by-turn directions, traffic avoidance and a unique, advanced safety camera warning system. Packed with up to a million points of interest and maps for Europe, the 255 is compact, versatile and easy to use

Autograph Straight Leg Jeans with Linen, at Marks and Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Black Floral 40th Birthday Card, at Marks and Spencer
Cover text: Happy 40th Birthday Inside message: With love on your special day Approx. size: 150 x 150mm

Cotton Rich Skinny Jeans, at M & S
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits on the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Big & Tall Single Breasted 2 Button Jacket, at Marks and Spencer
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Portfolio Paradise 3 Bead Drop Earrings, at Marks and Spenser
Hook fastening Drop style 3 bead design

Travel Neck Pillow, at Marks & Spensers
Once you have travelled with this neck pillow you will wonder how you managed to survive without it. Containing polyester beads it will mould to the shape of your head, enabling you to rest peacefully on your journey

Summer Straw Gambler Hat, at M & S
The straw gambler hat is perfect for those hot days. The woven straw is gives this hat a unique look as well as being a lightweight summer hat, the wide brim will keep the sun from your eys while the stylish striped band adds a touch of class to this great looking hat

Villa Dei Lecci Brunello Di Montalcino 2003 - Case of 6, at Mark's & Spencer
Style: Medium-bodied Grape variety: Sangiovese Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

There are lots of ways to save money using M&S Money. Not least of these is Marks & 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 Marks & Spencers, 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 & Spencer Money, you get more, and you pay less.