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

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 & Spencer 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 Mark & Spencers, 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

5 Lace Bikini Knickers, at Marks & Spencer
With a low rise design making these the perfect partner for jeans and trousers, an easycare fabric and added stretch provides essential everyday comfort and convenience

Flat Top Brass Mantle Clock, at Marks and Spencer
Flat top Rectangular shape Inset dial Analog Glass and brushed metal design Dimensions: 16 x 13 x 5cm Weight: 0.45kg

Autograph Leather Double Front Pocket Hobo Bag, at Mark's & Spencer
Luxurious and beautiful, this hobo bag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

The Cotton Collection Cotton Bud, Bath and Body Duo, at Mark's & Spencer
Bath foam: 160ml Body cream: 75ml Drift away with our PH balanced bath foam to cleanse and soften your skin Smooth away your day with our moisturising body cream to soften and nourish your skin

Dualit Vario 6 Slot Toaster - Cream, at Marks & Spenser
Hand built in England - as identified by the individual assembler's mark on the base plate Designed for use in commercial kitchens Patented, award-winning ProHeat elements Mechanical timer to control toasting Capacity 2, 4 or 6 slices Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Adjustable inner wire guard to grip toast Replaceable/ repairable parts Easy cleaning with a stainless steel cover High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Concealed crumb tray Adjustable rear foot Dimensions: W46 x H21 x D22cm Weight: 5.1kg 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 , Manufacturer: Marks & Spencer

2 Plain Non-Padded T-Shirt Bras, at Marks and Spencer
Soft and comfortable, these non-padded t-shirt bras are outstanding value

Lotus Flower Infusion Sticks, at Marks and Spencers
Fragranced infusion sticks Glass container, Manufacturer: Marks & Spencer

iPod Nano Leather Flip Case, at MarksandSpencer
Flip Case for iPod Nano, the stylish black leather case also features a handy popper fastening attachment allowing you to have easy access to your iPod. The leather case with its quality stitching protect your iPod in style. Compatible with all Apple iPod Nano's

Perfect Modal Blend Scoop Neck Stripe Top, at Marks & Spenser
What weekend chic is all about. This soft, pima cotton modal tee looks great with jeans or cords

Ceriso Anchor Print Bikini Knickers, at Marks & Spencer
Feminine and fashionable, these modern bikini knickers feature an anchor print. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Johnny Cash - The Legend CD, at Marks & Spenser
Album, Marks & Spencer

Pure Silk Plain Bow Tie & Cummerbund, at Marks and Spencers
Stylish and sophisticated, this luxurious pure silk set adds an elegant finishing touch

Pure Cotton Block Stripe Hooded Top, at Mark's & Spencer
Relaxed and casual, this comfortable hoodie is made from pure cotton and features stripe design. A great value easycare style

All Reds - Case of 12, at Marks & Spencer
2 La Tentation de Richelieu 2005: A powerful Bordeaux red which offers a wonderful combination of traditional flavours with ripe fruit concentration... 2 Chianti Riserva 2004: With its subtle, engaging flavours of sour cherry, dark chocolate and baked herbs, this is classic Chianti made in a highly approachable style... 4 Turn the Table Shiraz 2007: A deliciously juicy, fresh style of South African Shiraz that sets a new quality standard for affordable Cape reds... 4 El Tidon Tempranillo Cabernet Sauvignon 2008: A fresh and deliciously fruity red blend from the sunny vineyards of Castilla La Mancha in central Spain... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Antigua Loveseat AU09 Newness, at Marks & Spencers
Manufacturer: Marks & Spencer

Easy Pasta, at Marks & Spencers
Passionate about pasta? Enjoy a great collection of quick and easy-to-make recipes that can be ready in minutes

Firm Control Waist Cincher, at Marks&Spencer
This waist cincher gives total body definition shaping your tummy, waist and bottom with the flexibility of wearing your own bra - perfect under dresses for an hourglass silhouette. It's comfortable and easy to move around in and the special finish keeps you cool and dry

Cotton Rich Below The Waist Skinny Jeans, at Marks and Spencers
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below 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

Blue Harbour Pure Cotton Straight Leg Jeans, at Marks & Spencers
Comfortable and stylish, these straight leg jeans are outstanding value!

Big & Tall Collezione Luxury Wool Rich Single Pleat Trousers with Cashmere, at Marks & Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other. Perfectly proportioned for big and tall men

Single Breasted 1 Button Chevron Dart Jacket, at Marks & Spenser
Chic and stylish, this jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Underwired Floral Lace DD-G Bra, at Marks and Spenser
Feminine and pretty, this floral lace bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Autograph Pure Cotton Stripe Shirt & Tie Set, 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

Command & Conquer 3: Tiberium Wars PC Game, at Mark & Spencers
March, 2047. A massive nuclear fireball explodes high in the night sky, marking the dramatic beginning to the Third Tiberium War and long-awaited return of the most groundbreaking Real-time Strategy franchise (RTS) of all timeYou must be 16 years of age or over to purchase this product The critically-acclaimed Command & Conquer (C&C) series returns with Command & Conquer 3 Tiberium Wars (C&C 3). Setting the standard for the future of RTS gaming once more, C&C 3 takes you back to where it all began the Tiberium Universe

Die Cut Duckling New Baby Girl Card, at Marks and Spencers
Cover Text: New baby Inside Message: Congratulations Approx size: 150 x 150mm

Handcrafted Ralph the Hedgehog Valentine Card, at Marks & Spensers
Cover text: You're... Special lovely wonderful and mine... Inside message: Lucky me! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 178 x 127mm

Berry Crush Performance Vest, at Marks and Spencers
Ideal for active wear, this Performance top incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Saint Mont 2008 - Case of 12, at Marks & Spensers
Style: Dry Grape variety: Gros Manseng, Petit Courbu & Arrufiac Country of origin: France Closure: Natural cork Suitable for vegetarians 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

10 Print Your Own Graphic Heart RSVP Cards, at Marks & Spencer
Graphic heart design 10 cards, 1 design Inside message: Many thanks for your kind wedding invitation Would be pleased to accept/cannot accept The cards in this pack are made with material from FSC certified sustainable forests Approx size: 133 mm x 73 mm

Sleeveless Thermal Vest, at Marks & Spencer
Soft, warm and cosy, this cotton blend thermal vest is designed to give comfy insulation, perfect for chilly weather

Besides Marks & Spencer Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Home 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 and Spenser purchases are also protected while you take them home.

Also, on both M&S Money Premier Home Insurance and Standard Home 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.