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 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 Buildings 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 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.

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 & Spenser are so useful. M&S Money financial products are, of course, designed to make Marks & Spencers 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 Insurance policies. Usually, UK Buildings 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 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 Insurance than you will anywhere else, and you may even pay less with M&S.

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 Marks and Spencers 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 and Spenser, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Goat Skin Cushion, at Marks & Spensers
Square design Fluffy Plain, Manufacturer: Marks & Spencer

Blue Harbour Pure Lambswool Crew Neck Jumper, at Marks&Spencer
An extremely comfortable jumper. It's made from extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Jacquard Check Cosmetic Clam Bag, at Marks & Spencers
Clam style Jacquard check design Zip fastening Inside compartments

Younger Girls' Dora the Explorer Slippers, at M & S
Round toe Slip on Dora the Explorer motif 2005 Viacom International Inc. All Rights Reserved

Lightweight Embroidered Flower Scarf, at Marks & Spensers
This sophisticated embroidered flower scarf is the perfect accessory to this season's fashions. The tassel details add a stylish finishing touch

Radcot Bedstead, at Marks & Spenser
Headboard H106cm Endboard H80cm Dbl L200 x W158.5cm 5ft L210 x W173.5cm 6ft L210 x W203.5cm Made from solid oak Sprung slats to ensure support and comfort Mattress sold separately Delivered flatpack due to size 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

15 Denier Ladder Resist Sheer Shine Hold Ups, at M & S
An M&S exclusive. Extra stretch is added to every stitch of these sheer shine hold ups to stop ladders from forming

2 Medium Impact Non-Wired Sports Bra, at Marks & Spenser
Comfortable and secure, these medium impact sports bras give firm, gentle support for active wear

Autograph Essentials Long Sleev Wrap with Merino Wool, at MarksandSpencer
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Silicone & Steel Masher, at Marks and Spencers
Loop in the handle for hanging L27 x W9.5 cm, Manufacturer: Marks & Spencer

Autograph Leather Derby Brogue Shoes by Jeffery-West, at Marks & Spensers
Square toe Punch detail Lace up 3 eyelets Shallow block heel

Girls' Limited Pure Cotton Cargo Trousers with Belt, at Marks & Spenser
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Autograph Leather Dispatch Shoulder Bag, at Marks & Spencer
Fashionable and practical, this leather dispatch bag features a single adjustable strap and fold over style front

Per Una Cape Cardigan with Wool, at Marks and Spencer
A stylish 3/4 sleeve cardigan in a soft knitted fabric featuring a wide cape style

Pure Cotton Short Sleeve Love Music T-Shirt, at Mark & Spencers
A motif design adds a fashionable touch to this pure soft cotton top

Classic Collection Stripe Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Abbey 2-Seater Everyday Sofa Bed, at Marks & Spencer
H95 x W196 x D102cm (opens to L178cm) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Mattress L178 x W112 x D5cm (all dimensions are approximate) Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa Bed will support a maximum combined weight of 160kg 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 dark 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 item This product is not available for international delivery. Find out more 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 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Autograph Pure Cotton Nautical Print Top, at Marks & Spencers
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 Pure Cotton Long Sleeve Polo Shirt, at Marks & Spensers
Fashionable and relaxed, this long sleeve polo shirt is made from pure cotton it's soft, breathable and comfortable to wear

Pure Cotton Monkey Hooded Tank Top & T-Shirt Set, at Marks & Spencers
This fashionable layered look is a 2 piece set - a long sleeve t-shirt and hooded tank top both in soft comfortable cotton. Stylish, practical and easycare.

Lavender & Camomile Scented Pillow, at Marks&Spencer
Lavender & camomile scented, Manufacturer: Marks & Spencer

Seam Detail Bootleg Trousers, at Marks & Spencers
These bootlegs are designed to skim the hips and thighs and gently flare to give a flattering long-legged look. Practical as well as stylish, they're machine washable for added convenience

Crackle Glass Mirror Photo Frame 10 x 15cm (4 x 6"), at M & S
Plain trim Crackle mirror effect inner Rectangle Aperture 22.5 x 17.5cm (6 x 4 in), Manufacturer: Marks & Spencer

3 Non-Iron Long Sleeve Shirts, at Marks and Spencers
This pack of 3 shirts is great value. A practical and convenient choice, they're easycare and non-iron to save you time. Elasticated cuffs are a feature on shirts up to age 8 to make it easier for young children to dress

Autograph V-Neck Colour Block Jumper, at Marks and Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Classic Broderie Lace Detail Full Briefs, at Marks and Spencer
These pretty broderie lace briefs are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Abstract Print Tie Waist Skirt, at Marks & Spencers
Long and lovely, this abstract print skirt will take you from office to evening in style. Stylish, practical and fashionable

Limited Collection Slouch Shoreditch Satchell Bag, at Marks and Spencers
Fashionable and fabulous, this slouch style satchell is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Cotton Rich Heart Print First Bra & Knickers Set, at Marks & Spencer
Soft and comfortable, this bra and knickers set is ideal for everyday wear

Dan's Mouse Boyfriend Birthday Card, at Marks & Spensers
Cover text: To my Boyfriend xxx Inside message: blank for your own message Approx size: 175 x 126mm

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser online store. Here are just some of the financial products which can be purchased via the M&S Money website:

• M&S Insurance: M&S Car Insurance, M&S Buildings 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 M+S, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money website.