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 Property 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 Property 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 & Spencers are so useful. M+S Money financial products are, of course, designed to make Marks & Spencer 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property 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 and 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 and 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 Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Portfolio Quilted Jacket, at Mark & Spensers
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

Stainless Steel Whisk, at Marks & Spencer
Loop handle for hanging storage L31cm, Manufacturer: Marks & Spencer

Duck Feather Pillow, at Marks & Spensers
Medium support Approx size: 76cm x 48cm (30'' x 19'') Can be tumble dried (not necessary), Manufacturer: Marks & Spencer

Stain Defence™ Non-Iron Shorts, at Marks & Spencers
These smart shorts are treated with Stain Defence™, a high performance finish that repels stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away

Sony RHT-G500 Integrated Home Theatre System, at Marks & Spencer
Designed for use with 32-40 inch BRAVIA™ LCD TVs 3.1 Channel S-Force Pro Surround with centre, left and right speakers and subwoofer built into the TV stand Audio inputs for TV, DVD and Blu-ray Disc™ - can accept sound from a wide range of sources: the TV, DVD players and satellite/cable/terrestrial digital set-top boxes. It even delivers high-definition sound from a Blu-ray Disc™ player or Playstation 3 Three HDMI inputs, compatible with the latest Full HD 1080p picture formats: connect all your video New BRAVIA Sync - perfect syncronization of BRAVIA LCD TV and home theatre with a push of a button Digital Media Port - connect your Network WALKMAN, i-Pod, mobile phone, or computer to enjoy your music through the speakers Portable Audio Enhance - enhance the sound from portable audio devices by connecting them to the HTS 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

5 Cotton Rich Floral Print Bikini Knickers, at Marks & Spensers
These flower print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pleated Ribbon Cushion, at Marks and Spenser
Rectangular shape Pleat detail Stripe design L50 x W30cm, Manufacturer: Marks & Spencer

Ribbon Tie Mule Slippers, at Marks & Spencers
Incorporating a round open toe and flat heel, the fuss-free design of these cosy slippers promises great value and even greater comfort for your feet

The High Waist Military Style Trousers, at Marks n Spencer
Military styling is a hot look for the new season so get in line with these fashionable high waist trousers. The button stud detailing makes them definite must haves

2 Easycare Long Sleeve Stripe Shirts & Tie Set, at Marks & Spencers
Smart and stylish, these easycare shirts make a practical choice for everyday wear

Per Una Roma Wide Leg Trousers, at M&S
A smart pair of wide leg trousers in a soft stretch fabric featuring jet pockets and self fabric buttons

125 Years Limited Collection Racer Back Plunge Bra, at Mark & Spensers
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

Siemens Electric Double Oven, at MarksandSpencer
H888 x W595 x D550 mm 58L capacity oven in stainless steel Cooking methods: conventional heat, half width variable grill, full width variable grill, hot air, defrosting Pull down glass door Maximum temp: 275C Energy efficiency class: B This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Stormwear™ + Chinos with Fairtrade Cotton, at Marks n Spencer
Look below to see a video clip about Fairtrade Fairtrade certified cotton is a new initiative that we're the first major high street retailer to support. Like all Fairtrade products, it helps local farmers to invest in developing their own communities

Domaine de Fontsèque Corbières 2006 - Case of 6, at Marks and Spencers
Style: Full bodied Grape variety: Mixed Red Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Hannah Montana A5 Academic Diary, at Marks and Spencer
1 diary (week to view) Disney

V-Neck Plain Jumper, at Marks and Spenser
Soft and comfy, this warm knitted plain jumper is outstanding value. A fashionable easycare style

Sonoma Dark Tall Glazed Unit, at Marks & Spencer
H188 x W95 x D44cm Internal lights with on/off switch 3 adjustable glass shelves Glass doors and shelves are made from safety-tested toughened glass 2 drawers Made from solid oak and oak veneer Solid oak end grain details add to the character of each piece 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 Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 , Manufacturer: Marks & Spencer

2 Autograph Assorted Trunks, at Marks & Spenser
Featuring the best in modern fabric and contemporary design, these luxurious trunks feel exceptionally comfortable and give a superior fashionable fit

Natural Ceramic Bulbous Vase, at Marks & Spencer
Bottle shape Broad base H20.5 x 25cm diam 0.6Kg, Manufacturer: Marks & Spencer

Hannah Montana Rockin' Sticker Activity Book, at Marks & Spencer
Have you ever wondered what kind of superstar you could be? Well now you can take the awesome superstar quiz inside and find out! There are also puzzles, fun facts, party ideas and much, much more! The rocking Hannah Montana badges are also a fantastic addition to the clothes and bags of any fashion-conscious Hannah Montana fan!

Gold Plated Barrel Snake Necklace, at Marks n Spencer
3 strand design Barrel feature Adjustable length Clasp fastening Necklace length 41cm, extendable by 8cm

Laser Cut Church Christening Card, at Mark's & Spencer
Cover text: Christening Wishes, on your Christening Day Inside message: Blank for you own message Approx. size: 178 x 126mm

Neon Damask Wallpaper, at Marks and Spencer
Flock effect wallpaper - the pattern design elements have a luxurious velour texture Straight pattern repeat 64cm - The design elements in the pattern run horizontally across the wall and match at the seam of each adjoining roll. Every roll should be the same at the ceiling Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range , Manufacturer: Marks & Spencer

Zip fastening Washbag, at Marks and Spencer
Stylish and practical, this washbag is a well designed travel essential

New Home Charm Card, at Mark & Spencers
Cover text: New home Inside message: Blank for your own message Approx size: 174 x 126mm

Pure Cotton Embroidered Puff Sleeve Top, at Marks & Spensers
An embroidered design adds a pretty touch to this soft cotton short sleeve top

Shimmer Butterfly Jewellery Box, at M&S
This sparkling box makes a great gift for someone special, or why not treat yourself?

Blue Energy Shower Gel, at Marks and Spencer
200ml

Oliveira Lecestre Vieilles Vignes Chablis 2008 - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

There are lots of ways to save money using M+S Money. Not least of these is M&S Standard Motor Insurance. With M+S 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 M+S 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 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 Motor Insurance from M&S Money Direct, you get more, and you pay less.