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.

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 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 & 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.

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 & 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 M&S, 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 Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Classic Collection Centre Crease Straight Leg Trousers, at Marks&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

Petite Corduroy Bootleg Trousers, at Marks and Spenser
Flattering and feminine, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely silhouette. Added stretch gives the perfect fit

Montreal Compact 2-Seater Sofa, at Mark's & Spencer
H94 x W172 x D104cm Seat H44cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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 medium finish All of our fabrics are treated with Stain-Defence& trade; - 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 service: 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

Nectarine & Orange Pot Pourri Bag, at Marks & Spensers
Nectarine and orange frangrance Natural and man-made botanicals, Manufacturer: Marks & Spencer

Cake Stand Mum Birthday Card, at Marks and Spencer
Cover text: For you Mum Inside message: Happy birthday Approx size: 178 x 126mm

Autograph Pure Cotton Floral Print Shirt, at Marks & Spenser
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning floral print

Dad's Den Card, at Marks and Spencers
Cover text: Dad's den Inside message: Have a wonderful day Approx size: 175mm x 126mm This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future

5 Pairs of Long Ribbed School Socks, at Marks & Spencer
Why spend too much on school socks when you can get this great value pack right here? Durable and comfortable, they're just the ticket for school days

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

Per Una Modal Rich Short Sleeve Diamond Top, at Marks & Spensers
A fashionable short sleeve top in soft stretch modal featuring chiffon diamond embellishment

Silver Plated Ridge Detail Photo Frame 10 x 15cm (4 x 6''), at Marks and Spencer
Rectangular shape Ridge detail Aperture 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Divan Sets - M400Z+SE 4 DRAWER, at Marks and Spenser
Manufacturer: Marks & Spencer

7 Pairs Of Freshfeet New Dot Socks with Silver Technology, at Marks & Spencers
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

Cotton Rich Scallop Trim Low Rise Shorts, at Marks & Spencer
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Portfolio Ponte Kickflare Trousers, at M+S
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

Detroit Extending Dining Table & 6 Slat-Back Chair Set, at Marks&Spencer
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H100 x W44 x D54cm Table seats 6-8 Slat-back design chairs Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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

White Burgundy 2008 - Case of 12, at Marks and Spencer
Style: Full bodied Grape variety: Chardonnay Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Collezione Pure Wool Single Breasted 2 Button Jacket, at M+S
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

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

Adored Short Sleeve Floral Pyjamas, at Marks and Spencers
Stylish and elegant, these flattering pyjamas are part of our feminine Adored collection. They're made from a soft cotton blend for the ultimate in comfort

Frill Sleeve Round Neck Top, at Marks & Spenser
Get a sophisticated modern look with this round neck frill sleeve top. Perfect for mixing and matching with skirts or trousers

Cocktail 21st Birthday Card, at M+S
Cover Text: 21 Inside Message: wishing you a birthday full of fun! Approx size: 125 x 177mm

The Edwardian Lady Calendar, at M & S
Approx. size: 225 x 390mm The Country Diary of an Edwardian Lady Rowena Scott (Designs) Ltd RW.UK. Ltd 2008. Licensed by opyrights Group

Dualit Lite 4-Slice Toaster - Cream, at M & S
4 slice capacity 36mm extra wide slots adjust mechanically 1850 watt Polished stainless steel cover Soft Touch non-marking finish High lift A higher wattage for faster toasting, with accurate browning control Defrost setting and cancel button Dimensions: H20 x W36 x D20cm Concealed crumb tray 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

Pasta Salad with Spinach & Pine Nuts, at Marks & Spensers
Serves 8 Ready to eat 700g Not suitable for nut allergy sufferers As featured on page 27 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

Autograph Linen Blend Short Sleeve Embroidered Shirt, at Marks & Spencer
Stylish and contemporary, this embroidered shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Pure Cotton Stripe Apron, at Marks & Spencers
Tie bow fastening at back Front pocket Stripe design, Manufacturer: Marks & Spencer

16-Piece Coloured Handle Cutlery Set, at Marks and Spencer
16-piece set Coloured handles 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cape Flora Bouquet, at Marks and Spenser
Internet Exclusive This bouquet is arranged from wild foliage and seasonal flowers sustainably harvested from Flower Valley in the Agulhas region of South Africa. The Cape floral kingdom is the smallest plant kingdom in the world but contains the highest known concentration of plant species - more than 9,000 plant species make up the region, 6,000 of which are found nowhere else on Earth Available for delivery from 8th May to 30th September 2009

Pure Cotton Stripe Mock Layer Polo Shirt with Socks, at Marks & Spencer
A stylish smart-casual look, this long sleeve polo shirt in soft cotton features a mock layer design. Practical, comfortable and easycare

When you're shopping at Marks and Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M+S Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."