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

Marks & Spencer 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 Marks & Spencer 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 Spenser 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, Sainsbury's, or Tesco:

• 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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 Spencers 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 & Spencers, through its Marks & Spencer 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.

3 Piece Embroidered Eskimo Pinafore Outfit, at Marks and Spenser
Fashionable and practical, this cute top, pinafore and tights 3-piece outfit features an embroidered eskimo design. It's made from soft fabric to keep her comfortable and happy

Mother of Pearl Border Photo Frame 20 x 25cm (8 x 10''), at Mark & Spensers
Mother of pearl border Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

No VPL Floral Lace Shorts, at Mark & Spensers
For the ultimate no-show look, these stretchy modern shorts are made from super smooth lace with bonded edges. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Burgundy Celebration Cake, at Mark's & Spencer
36 portions Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Cake weighs 2.7kg. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Cake weighs 1.7kg. Can be eaten up to 5 days after collection Cake size: 20.5cm square Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 in the food to order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Handcrafted Sex Bomb Valentine Card with Badge, at Marks and Spencers
Cover text: Sex bomb Inside message: With love on Valentine's Day Approx size: 150 x 150mm

Older Girls' Pure Cotton Hello Kitty Pyjamas, at Marks & Spensers
A must for fans of Hello Kitty, these pyjamas feature a fun motif

Blue Harbour Pure Cotton Block Stripe Rugby Top, at Marks and Spencer
Casual and relaxed, this block stripe rugby top is made from pure cotton so it's soft, breathable and comfortable to wear

Abstract Butterfly Print Flip Flop, at Marks and Spencer
Butterfly print Toe thong design Flat sole

Limited Collection Etched Floral Padded Bra, at Marks and Spenser
Fun and fabulous, this balcony bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una Ruffle Sleeve Bolero, at Marks and Spenser
A beautiful 3/4 sleeve bolero, featuring front tie fastening and ruffle sleeve detail

Autograph Essentials Wool Rich Wide Leg Trousers, at Marks and Spencer
Luxurious and contemporary, these smartly tailored wool rich wide leg trousers are part of our exclusive Autograph range

Per Una Floral Embroidered Lace Shorts, at Marks and Spencer
Elegant and feminine, these stylish shorts feature a floral embroidery and are finished with lace and a bow. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Per Una 3/4 Sleeve Pintuck Top, at Marks & Spencer
A feminine 3/4 sleeve top featuring pintuck and ruffle detail

Butternut Squash Terrine, at M & S
Serves 14 Ready to eat Suitable for vegetarians 1kg total weight As featured on page 21 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

Quacking Birthday Niece Birthday Card, at Marks and Spencer
Cover text: To a special Niece... Inside message: Have a quacking birthday! Approx size: 150 x 150 mm

Gold Plated Knot Stud Earrings, at Marks&Spencer
Butterfly stud fastening Knot design Diamant detail

Catseye Goblet Necklace, at M+S
Chain Cateye Pendant Necklace length: 53cm

Adjustable Task Collection - Table Lamp with Green Shade, at M & S
Antique-effect brass finish Adjustable height Conical shade, Manufacturer: Marks & Spencer

Venetian Floral Mirror, at Marks & Spencer
Venetian design Rectangular shape Frosted floral detail H85 x W51cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Straight Leg Jeans, at Marks and Spencer
A fine and relaxed alternative to the usual blue jeans, you'll really enjoy the dark colour of these. Their cut is as flattering and relaxed as you'd expect from Blue Harbour, with a zip and button fastening and belt loops

Moisturising Lipstick, at Marks and Spencers
Moisturises lips Hypo-allergenic 4ml

5 Cotton Rich Assorted Design Bikini Knickers, at Marks & Spencer
A great value pack, ideal for everyday wear. This pack may contain a mixture of designs and colours. See Click for zoom and other views

Signature Ginger Lily Infusion Sticks, at Marks and Spencer
Ginger lily scented infusion sticks Fragrance lasts upto 8 weeks Glass holder included, Manufacturer: Marks & Spencer

Black Aluminium Wok, at Marks and Spencer
Dimensions: diameter 30cm Non stick aluminium Soft touch silicone grips for style and comfort Always use wooden or plastic utensils to prevent scratching the non stick surface, Manufacturer: Marks & Spencer

Sony Stamina Plus AA Alkaline Batteries - Pack of 4, at MarksandSpencer
Voltage (V): 1.5 Cells per pack: 4 Size: AA / LR6 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

Portfolio Pure Silk Painted Floral Lightweight Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk painted floral print scarf. The perfect accessory to this season's styles

High School Musical 3: Senior Year, at Mark & Spensers
Rating Universal, particularly children,

Per Una Cable Knit Mule Slippers, at Marks and Spenser
Mule style Round toe Flat sole Cable knit design Contrast lining

Schoolwear Plus Fit Recycled Stormwear™ & Stain Defence™ Blazer, at Marks & Spensers
This larger sized blazer is treated with our unique Stormwear™ finish which repels water and Stain Defence™ to repel stains. It's made from polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations View Plus Schoolwear Size Guide. Find out more

3 Layer Faceted Bead Necklace, at Marks and Spencers
3 layers Multi coloured beads Facet detail Adjustable length Clasp fastening Necklace length: 43cm

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

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M+S Money, you get more, and you pay less.