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.

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 Mark's & Spencer 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.

M+S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car 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 & Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, 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 Car 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.

Collezione Pure Wool Single Pleat Trousers, at M&S
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Formula Insect Repellent Body Spray, at Marks and Spenser
Repels biting insects Suitable for all the family Dermatologically tested This product is not available for international delivery. Find out more

Per Una Floral Print Bikini Top, at Marks & Spencer
A stunning halterneck bikini top featuring removeable pads and a floral print

Pure Cotton Short Sleeve Spider-Man™ T-Shirt, at M&S
Fans of Spider-Man will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Autograph Pure Silk Ditsy Diamond Print Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk ditsy diamond print scarf. The perfect accessory to this season's styles

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

Blue Harbour Short Sleeve Check Shirt, at Marks n Spencer
Stylishly smart casual, this comfortable check shirt looks great dressed up or down

Pure Cotton Contrast Stitch Denim Cargo Trousers, at Marks and Spencer
Casual and relaxed, these stylish cotton belted cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Gold Plated Filigree Gem Pendant Necklace, at M+S
Rope style necklace Filigree gem pendant Clasp fastening necklace with adjustable length Necklace length 41cm

Maxim Square Dip Bowl, at Marks & Spensers
Versatile fine dining range Suitable for everyday use Pure white porcelain L9 x W9cm, Manufacturer: Marks & Spencer

Windsor 2-Drawer Bedside Chest, at M & S
H62 x W46 x D41cm 2 drawers Made from from solid pine Finished with low sheen lacquer for added durability 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Recycled Anti-Allergy Medium Support Pillows, at M+S
Pack of 2 Proven protection against dustmite allergens, wash after wash Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

Baby Boy Tiny Type New Baby Card, at Marks & Spensers
Cover text: Congratulations! It's a Boy! New arrival Baby Boy Little Baby Congratulations Little Baby Boy It's a Boy! Congratulations! Little Baby It's a Boy! Congratulations! Baby Boy Little Baby New Arrival Congratulations! Little Baby Boy Little Baby Congratulations New Arrival Baby Boy Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Fuzzy Teddy Hand Finished Birthday Card, at Marks & Spencer
Cover text: Happy Birthday xxx Inside message: To you! Approx size: 174 x 126mm

Ernst Loosen Erdener Treppchen Riesling Kabinett 2008 - Case of 6, at Marks & Spencers
Style: Medium sweet Grape variety: Riesling Country of origin: Germany Closure: Screw cap Bottle: 6 x 75cl. Alcohol volume: 10% vol. Alcohol units per bottle: 7.5 Alcohol units per 125ml: 1.3 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Stainless Steel Can Opener, at Marks and Spenser
Loop in the handle for hanging Chunky grips Can and bottle opener, Manufacturer: Marks & Spencer

M&S 1.7L Midnight Ruby Kettle, at Marks and Spencer
1.7 litre capacity 2500-3000 watt Polished red and stainless steel finish 360 degree rotating base with cord storage Water window and contrasting on/off switch Concealed element for fast boiling and easy cleaning Comfortable black grip handle Anti-slip base

3 Pairs of Argyle Ultimate Comfort Socks, at Marks & Spencer
Get a fabulous, fashionable look with these argyle design socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

Gloss Salt or Pepper Mill, at Marks & Spencers
A restaurant style pepper mill in lacquered wood

Wool Rich Single Breasted 2 Button Stripe Jacket, at Marks and Spencers
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Signature Natural Cotton Scented Candle, at Marks and Spencers
Glass holder Natural cotton fragrance Burns up to 40 hours, Manufacturer: Marks & Spencer

Petite Cotton Rich Slim Denim Jeans with Belt, at MarksandSpencer
Effortlessly stylish, these denim jeans come with a jewel decorated belt. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts

Petite Stitch Waistband Straight Leg Trousers, at Marks and Spencers
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style. Specially designed and perfectly proportioned for the petite frame

Contrast Cluster Ring, at Marks and Spencers
Cluster gems Diamant detail Chunky design

Sprung-Edge Divan with 2 Small + 2 Large Drawers & F200 Mattress, at Marks & Spencer
Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 24cm Small Drawer: H14 x W40 x D52cm Large Drawer: H14 x W78 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Spring count: 930 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Frogs Husband Birthday Card, at Marks & Spencer
Cover Text: Husband Have a hoppy day Inside Message: Have a very happy birthday Approx. Size: 178mm x 126mm

V-Neck Longline Pocket Cardigan, at Marks and Spencers
A touch of lambswool adds warmth and softness to this fashionable longline cardigan. A glamorous modern look

LED Light Collection Dragonfly, at Marks and Spenser
Ideal use for garden lighting Dragonfly design Batteries supplied H4 x W14cm This product is not available for international delivery. Find out more

Chrome Collection Tumbler, at Marks and Spencers
Chrome effect Cylinder design 10 x 6.5cm, Manufacturer: Marks & Spencer

The Wheels on the Bus Book, at Mark & Spensers
A true classic song for children. Come and join the fun on the yellow bus by reading this story. Press the wheel on this book to hear the tune and sing along

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

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