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.

There are lots of ways to save money using M+S Money. Not least of these is Marks&Spencer 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 & Spenser, 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 Finance, 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 Spenser 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, 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.

Pure Silk Textured Multi Stripe Tie, at MarksandSpencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Boys' Limited T-Shirt, Scarf and Waistcoat Set, at Marks and Spencers
Fashionable and versatile, this cotton short sleeve t-shirt and sleeveless waistcoat is perfect for smart-casual dressing and looks great with the check tasssled scarf

Harvard Moisturising Aftershave, at Marks and Spencer
Alcohol free 100ml Smooth sparingly over your face and neck, after washing and shaving Avoid contact with the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

Formula Calming Night Cream + Vitamin E, at Marks and Spencer
Suitable for all skin types Fragrance free Hypoallergenic 50ml

Linen Blend Buckle Detail Dress, at Marks & Spencers
Chic and stylish, this linen blend dress makes a great choice for work or smart occasions. It's machine washable for added convenience

Autograph Weekend Pure Cotton Denim Shirt, at Marks & Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Autograph Merano Corner Unit, at Marks and Spencers
H84 x W102 x D102cm Seat H47cm, top back rail H63cm (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 Glide feet with a dark finish Can be arranged to fit both left and right room corners 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

Light Control Low Leg Briefs, at Marks & Spenser
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Parisian Chic Calendar, at Marks & Spencer
Approx. size: 225 x 390mm

Autograph Pure Cotton Embroidered Pinafore Outfit, at Marks and Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Limited Collection Pure Cotton Ruffle Front Tunic, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Autograph Leather Cross Body Bag, at M & S
Luxurious and beautiful, this leather handbag is part of our exclusive Autograph collection. It's front pocket make it practical as well as being a highly desirable fashion accessory

Chunky Twist Bangle, at Marks & Spencer
Chunky style Twist design Small-medium diameter: 63mm Medium-large diameter: 68mm

Collezione Oval Face Roman Numeral Watch, at M&S
Smart and sophisticated, this watch adds a touch of Italian inspired style. It features an adjustable leather strap

Classic Collection Floral Print Skirt, at Marks and Spencers
Elegant, stylish and comfortable, this maxi length pull-on skirt is finished with floral print design. The ideal match for blouses and fine knits in coordinating colours

Classic Collection Pure Cotton Embroidered Cropped Trousers, at Marks & Spencer
An ideal choice for casual everyday wear, these cropped trousers are finished with an embroidered hem. They look stylish worn with knitwear or casual tops in complementary colours

Leather Gibson Shoes, at Marks and Spencer
Smart casual style is a breeze with these modern leather gibson shoes. Relaxed, fashionable and comfortable

Ingredients Pomegranate Body Butter, at Marks and Spencer
To nourish and condition for beautiful soft skin 200ml

Blue Harbour Cotton Rich Stripe Rugby Top, at Marks and Spencers
Relaxed and casual, this stripe rugby top is made from a cotton rich fabric. It's designed to keep its shape and feel soft and comfortable to wear

Older Boys' Pure Cotton Chinos, at Mark & Spensers
Comes with belt shown in image A stylish smart-casual look, these straight leg chinos are outstanding value! They're made from pure cotton which is comfortable, practical and easycare

3 Art Deco Photo Frames 5 x 7.5cm (2 x 3''), at Marks and Spencer
Set of 3 Glass frame Art deco design Aperture: 5 x 7.5cm (2 x 3''), Manufacturer: Marks & Spencer

Larson Chair, at M+S
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from 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 medium 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Domaine Bailly Quincy 2007 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Sauvignon Blanc 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

Woven Straw Double Chain Holiday Bag, at Marks & Spensers
Stylish and useful, this holiday bag features a woven design. A practical and fashionable accessory

Gold Plated Catseye Tear Drop Necklace, at M+S
Clasp fastening Adjustable length Catseye pendant Necklace length: 41cm, extendable by 8cm

Classic Ceramic Towel Ring, at M&S
Ceramic and stainless steel design H16 x W15 x D6cm, Manufacturer: Marks & Spencer

Children's Party Platter, at Marks&Spencer
Contains 16 quarters plus veg batons Serves 4-6 4 different sandwich fillings Ready to eat Made in a factory that uses sesame ingredients As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Laus Flor de Chardonnay 2007 - Case of 6, at Mark & Spensers
Style: Dry, medium bodied, lightly oaked Grape variety: Chardonnay Country of origin: Spain Closure: Natural cork Suitable for vegetarians and vegans 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

Perfect Autograph Pure Cotton Straight Leg Jeans, at Marks & Spencers
Straightforward jeans at a no-nonsense price. The straight fit and modern styling make them a wardrobe must-have

Leather Centre Seam T-Line Stitch Shoes, at Mark's & Spencer
Square toe Centre seam T-line stitch Lace-up Small block heel Lined

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