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 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.

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

When you're shopping at MarksandSpencer 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 Insurance and Motor Insurance, there's a lot more going on at Mark & Spencers 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."

Embroidered Hippo Booties, at Marks and Spenser
Embroidered hippo design Turn-over cuff Added stretch

Ruby Dinner Plate - Red, at Marks & Spencers
Plain centre Stripe edge Diam 27.5cm, Manufacturer: Marks & Spencer

Dendrobium Nobilis Orchid, at Marks and Spencer
Internet Exclusive Taken from the latin word nobilis, meaning noble or grand, this impressive orchid really does live up to its name and comes planted in a beautiful, classic white pot. Available for delivery until 30th September 2009

3D Rosebud Cushion - Gold, at Marks and Spencer
Square shape 3D rosebud appliqu design L43 x W43cm, Manufacturer: Marks & Spencer

2" Longer Autograph Pure Cotton Rib Stripe Shirt, at Marks & 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

Pure Cotton Bob the Builder T-Shirt, at Marks & Spensers
Fans of Bob the Builder will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

125 Years Recipe Journal, at Marks and Spenser
1 binder 6 section dividers 5 plastic wallets Sheets plain and lined paper Approx size: 186m x 228mm

Special Dad Gift Card, at Marks and Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Check Chenille Throw, at Marks & Spencers
Bold check design Fringed edges 150 x 200cm, Manufacturer: Marks & Spencer

Shades of Summer, at Marks and Spencer
A chic bag packed with a stunning display of gorgeous gerberas in bold summer shades Available for delivery from 1st April to 30th September 2009

Pure Cotton Square Neck Ruffle Front Top, at MarksandSpencer
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a ruffle front

Dry Cured, Sugar Glazed Large Gammon Joint (Serves 14-16), at Marks and Spencer
Serves 14-16 Ready to cook Gluten free Suitable for freezing 3kg total weight As featured on page 37 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Mini Travel Bottle Set, at Marks n Spencer
Leave your large or breakable toiletries at home. Simply fill these travel bottles and jars with your favourite toiletries and refill them whenever you need. Contained within a funky bag, this set is ideal for any overnight trip

Platinum Plated Marquise Promise Ring, at Marks & Spencers
Cubic stone Platinum plated

Pure Cotton Crew Neck Unisex Sweatshirt, at Marks and Spencer
Relaxed and comfortable, this pure cotton sweatshirt is great value. An ideal choice for school

Big & Tall Blue Harbour Knee Length Trekking Shorts, at Marks and Spencer
These classic shorts are an excellent addition to any causal wardrobe thanks to a smart, easy to wear design. Team with a long sleeve shirt or plain tee for an effortless summer look

Bamboo Long Handle Dry Body Brush, at Marks & Spencer
Bamboo wood Double sided oval brush head Long handle

Traditional Scroll Cushion, at Marks and Spencers
Square shape Traditional scroll design L50 x W50cm, Manufacturer: Marks & Spencer

Widefit Almond Toe Buckle Shoes, at Marks & Spensers
Almond toe Buckle fastening Mid heel Heel height: 53mm Comes in sizes 3-8, including half sizes

Collezione Merino Wool V-Neck Jumper, at Marks & Spencer
Fashionable and contemporary, this v-neck jumper is part of Collezione, a sophisticated menswear collection inspired by Italian style

3 Piece Cosmetic Bag Set, at Marks & Spencer
3 piece set Assorted sizes Transparent Contrast trim

Autograph Pure Cotton Wide 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

Machine Washable Flat Front Stripe Trousers with Wool, at Mark & Spensers
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

Per Una 3/4 Sleeve Floral Longline Tunic, at Marks and Spencers
A fashionable 3/4 sleeve tunic featuring a floral print and ruched detail

Per Una Sailor Stripe Belted Skirt, at Marks and Spenser
Comes with belt shown A stylish below the knee skirt in a cool linen blend fabric featuring a stripe design and comes with the belt shown in the photograph

Roll & Play Toy, at Marks & Spencer
Suitable for ages 0-3 years Encourages activity and hand-eye coordination This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Global Traveller Flight Bag, at Marks and Spencer
Free 5 year guarantee Make transporting your belongings a hassle-free experience with the super lightweight and durable design of this hardwearing flight organiser

Newborn Pure Cotton Embroidered Jeans, at Marks and Spenser
Fashionable and practical, these cotton jeans are hardwearing and comfy. The embroidered design gives a cute look

Ultrafit Plain Sports Top, at Mark's & Spencer
This innovative Ultra Fit Sport top keeps you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

Mini Roll Platter, at M & S
16 rolls Serves 4-6 4 different sandwich fillings Ready to eat Contains sesame seeds As featured on page 8 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

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 & Spenser 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.