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 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 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&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 Marks & Spensers, 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.

Collezione Gradient Stripe Tie, at Mark & Spencers
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Groovy Birthday Dotty Daisy Birthday Card, at MarksandSpencer
Cover text: Groovy Birthday Inside message: Have a fab day! Approx size: 150 x 150mm

Diggers & Dumpers Sticker Activity Book, at Marks and Spencers
Have fun completing this colourful, action-packed sticker book with more than 70 stickers. Help the diggers at work, find the missing forklift trucks, and join the machines building a road

Front Pocket Dispatch Shoulder Bag, at Marks and Spencers
Fashionable and practical, this dispatch bag features an adjustable shoulder strap

Cartoon Dog Thank You Teacher Card, at Marks & Spencer
Cover text: Thank you teacher! Inside message: You're a star! Approx size: 178 x 1262mm

3 Pure Cotton Short Sleeve Shirts, at Marks & Spencers
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Old Vines Grenache Noir 2007 - Case of 12, at Marks & Spenser
Style: Medium bodied Grape variety: Grenache Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Handy Manny Repair Shop Sticker Book, at Marks & Spencer
Can you help Handy Manny and his trusty tools to fix-it right? Join all your favourite characters at Manny's Repair Shop for hours of fun activities - including spot-the-difference, sticker jigsaw puzzles and more! Handy Manny is the perfect guide to simple problem-solving activities

Older Girls' Diamanté Tortoiseshell Sunglasses, at Marks and Spenser
Fun and fashionable, these diamant tortoiseshell sunglasses give 100% UV protection for safer style in the sun

Autograph Langford Chair, at Marks & Spencer
H97 x W71 x D84cm Seat H51cm (all dimensions are approximate) Seat cushion 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 Back cushion is fixed foam 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 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

Dan's Mouse Bouquet Wife Birthday Card, at M&S
Cover text: To my darling wife... Inside message: ...happy birthday! Approx size: 150 x 150mm

Per Una Textured Jacquard Skirt, at M&S
A fashionable knee-length skirt in soft textured fabric, the jacquard design make it extra stylish

Flitter Text Wedding Card, at Marks & Spencers
Cover text: Wedding Inside message: Blank for your own message Approx size: 178 x 126mm

Collezione Long Sleeve Herringbone Shirt, at MarksandSpencer
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 this shirt to give you a feeling of luxury like no other

Classic Collection Cashmilon™ Cowl Neck Jumper, at Marks and Spencer
Stylish and so comfortable, this jumper in softest cashmilon™ feels as good as it looks and the smart cowl neck adds the perfect finishing touch

Formula Combat Cellulite Crème-gel, at Marks & Spensers
Increases skin firmness and elasticity Lifts and tones Redefines your silhouette Suitable for all skin types In 4 weeks cellulite is noticeably reduced and your skin's surface is improved 200ml

Portfolio Signature Leaf Print Dress, at Mark's & Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

White Ceramic Collection Toilet Brush, at Marks and Spencers
Plain H39 x Diam 10cm, Manufacturer: Marks & Spencer

Per Una Bootleg Twist Belt Jeans, at MarksandSpencer
A modern bootleg pair of jeans in stretch cotton featuring an on the waist design and multiple pockets. Comes with belt shown in the photograph

50 Golf Tees In A Pouch, at M+S
50 golf tees in a drawstring bag. Complete with karabiner clip, the pouch can be attached to any golf bag for convenience of use during a round

Dotty Daisy 18th Card, at Mark & Spencers
Cover text: Congratulations! 18 Inside message: Happy Birthday! 230 x 114 mm

2 Sequin Hair Bands, at M & S
Tie back those tresses in style with these fabulous hair bands

Maxim Large Jug, at Marks & Spencer
Plain Nibbed Single handle 1.5 litre capacity H14.5cm, Manufacturer: Marks & Spencer

3 Pure Cotton Long Sleeve Tatty Teddy Sleepsuits, at Marks and Spencer
Soft and snuggly, this practical pack of sleepsuits is great value! The cotton fabric is comfy to sleep in and popper fastenings make quick changes easy

Laser Cut Heart Wife Birthday Card, at Marks and Spencers
Cover text: Wife, Have a wonderful birthday Inside message: With lots of love Approx size: 175 mm x 125 mm

125 Years Limited Collection Low Rise Shorts, at Marks and Spenser
Part of the Commemorative Collection, celebrating 125 years of M&S. These exclusive garments have been inspired by some of the beautiful pieces in our archive and reference the iconic decades of the 20th century. Retro styling has been given a contemporary twist for the modern day

Coupe Side Plate, at Marks&Spencer
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Diam 23cm, Manufacturer: Marks & Spencer

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

Sonoma Dark Extending Dining Table, at Marks & Spenser
H75 x W100 x L180/230cm Extends to L230cm Seats 6 people Comes with extension leaf to seat 8 Extension leaf can be stored beneath the table top Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

Blue Harbour Cotton Rich Zip Fastening Hoodie, at Marks and Spencers
A casual essential, this cotton rich hoodie is extremely comfortable and can be worn layered for a contemporary look

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 and Spencer 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, Sainsburys, or Tesco's:

• 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.