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

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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencers, 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 Motor Insurance from Marks & Spencers Money, you get more, and you pay less.

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

Linen Blend Wide Leg Belted Trousers, at Mark's & Spencer
Fluid and feminine, these wide leg trousers are cut to fit and flatter, giving an elegant silhouette. A look you can dress up or down

Pure Cotton Denim Skirt with Belt, at MarksandSpencer
Cute and comfy, this belted skirt is made from denim for a fashionable casual look

Autograph Stainless Steel Wine Cooler, at Marks & Spenser
Cylindrical shape Diameter: 12cm Height: 20cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Narrow Bengal Stripe Shirt, at Marks and Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Molokai Stretch Bracelet, at Marks and Spencer
Assorted bead Stretch style

10 Sun Formula Self Tan Wipes, at Marks and Spencer
Ten self tan wipes Natural tanning without the sun Even and natural looking tan Develops in hours This product is not available for international delivery. Find out more

Blue Striped Medium Gift Bag, at Marks & Spencer
Stripe design Wooden toggle fastening Contains: 1 gift bag Approx size: H260 x W200 x D90mm

Gold Plated Multi Strand Treasure Bead Necklace, at Marks & Spenser
Clasp fastening Adjustable length Multi strand Mixed bead design Necklace length 41cm, extendable by 8cm

M&S 2GB Memory Card, at Mark & Spensers
Read (MB /s): 10MB Write (MB /s): 3MB Available capacity: 1940MB 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

Road Monsters Fire Vehicles Set, at Mark & Spensers
Suitable for ages 3+ 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Digital Display Watch, at Marks & Spencer
Stylish and contemporary, this digital watch features a large time display with day indicator, fashionable and practical must-have

Ambassador Summer Hat, at Marks & Spensers
Keep your cool in this ambasador sun hat, a summer and holiday essential

Rosso di Puglia 2008 - Case of 12, at Marks and Spencer
Style: Full bodied Grape variety: Primitivo and Negroamaro Country of origin: Italy Closure: Screw cap 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

Big & Tall Crease Resistant Flat Front Trousers, at Marks and Spencers
Stay smarter for longer with these innovative crease resistant trousers. They're machine washable and feature coin catcher™ pockets which stop change falling out. Perfectly proportioned for big and tall men

Autograph Milan Double Towel Rail, at Marks & Spencer
Double towel rail H7 x W49.6 x D12.87cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Mosaic Floral Kaftan, at Marks & Spencer
A casual 3/4 sleeve kaftan in pure soft cotton featuring a mosaic floral print and tie bow feature

ISIS Moisturising Aftershave Balm, at Marks and Spencer
Moisturising Alcohol free 100ml This product is not available for international delivery. Find out more

3 Pure Cotton Stripe Design Trunks, at M&S
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Stainless Steel Avocado Slicer, at Marks&Spencer
Looped handle for hanging storage L21cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Postage Print T-Shirt, at Marks and Spencer
Fashionable and relaxed, this postage print t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Rosina Large 2-Seater Occasional Sofa Bed, at Marks & Spencers
H85 x W196 x D97cm (opens to L233cm) Seat: H47cm (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 Mattress: L180 x W130 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa bed will support a maximum combined weight of 160kg 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Limited Collection Multi Stripe Vest & Shorts Set, at Marks and Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Pure Silk Floral Stitch Tie, at Marks and Spencers
Add a luxurious finishing touch with this contemporary floral stitch tie in pure silk

PURE ChargePAK C6L Rechargeable Battery Pack, at Marks and Spencers
Easy to install - can be fitted in seconds Easy to use - just fit and forget Charges inside the radio, no separate charging unit required Increased battery life per charge over standard rechargeable batteries Replaces the need for throwaway alkaline batteries Provides up to 40 hours wireless listening Chearger specification: lithium-polymer 7.4V 4000mAh Compatible with PURE radios: Elan DX40, Elan RV40, EVOKE-2XT, EVOKE-3, ONE, ONE Classic, ONE Elite 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 Free 2 year guarantee

Medium Jungle Monkey, at Marks and Spenser
Suitable for ages 0-3yrs H23cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Ceriso Frill Trim Padded Bra, at Marks & Spensers
Flirty and feminine, this modern bra features spot print and is finished with a frill trim. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Glass Ball Candle Holder, at Marks and Spencer
Ball design Thick base Diam 10.6 x H13cm, Manufacturer: Marks & Spencer

Sleeveless Chambray Shirt Dress, at Marks and Spenser
Fashionable and modern, this chambray dress features button fastening and a tie waist detail. A flattering, stylish look

Wool Blend Straight Leg Flat Front Trousers, at Marks n Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear

Honey Tree Cabernet Merlot 2007 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Cabernet Sauvignon & Merlot Country of origin: Australia Closure: Natural cork 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

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

• M&S Insurance: M&S Motor 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 Marks and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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