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 & Contents 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 & Contents 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 & Spenser 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M+S Money. Not least of these is Mark's & 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 Mark & 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 & Spencer Money, you get more, and you pay less.

Single Breasted 2 Button Herringbone Jacket, at Marks & Spencer
A style classic at a great value price, updated with a modern cut and contemporary detailing

Per Una Embroidered Lace Padded Balcony Bra, at Marks and Spencer
Feminine and delicate, this stylish bra features stretch lace fabric and a scallop trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

The Floral Collection Magnolia Pomander Pack, at MarksandSpencer
Magnolia fragrance

Gold Plated Large Hoop Earrings, at Mark's & Spencer
Hoop style Clasp fastening This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Pendolino Recliner, at Marks and Spenser
H104 x W71 x D97cm Reclines to L158cm Seat: H49cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 dark finish Manual recline mechanism for extra relaxation 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

3 Pure Cotton Plain Trunks, at Marks & Spencer
These essential plain trunks offer all the comfort of soft cotton at a great value price

2 Compton Leather Chairs, at M+S
H103 x W45 x D50cm Leather seat pad Sold as a pair Made from solid oak and oak veneer Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Solid hardwood legs 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. SAVE ON SETS Save at least 25% when you buy these chairs with antiqued-leather chairs as part of a set. Click here to view the Compton Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Mother's Day Graphic Floral Medium Gift Bag, at Marks and Spencers
Contains: 1 gift bag H260 x W200 x D90mm

Girls' Limited 3 Piece Printed Outfit, at M&S
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Portfolio Lightweight Paint Splash Design Scarf, at Marks & Spenser
Add a luxurious finishing touch to your look with this elegant paint splash design scarf. The perfect accessory to this season's styles

Flowers Birthday Cake, at Mark & Spensers
25 portions Sponge cake: all-butter sponge filled with buttercream and raspberry jam. Sponge cakes can be eaten up to 5 days after collection Cake Diam: 22.5cm 1.8kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Philips 42FL5604 42" Full HD Digital LCD TV, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: LCD Full HD W-UXGA Act. matrix, 1920 x 1080p Screen Enhancement: Anti-Reflection coated screen Brightness: 500 cd/m Viewing angle: 178 (H)/178 (V) Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Sound: Output power (RMS) - 2 x 10 W; Sound Enhancement - Incredible Surround, Treble and Bass Control; Sound System - Nicam Stereo Child Protection: Child Lock+Parental Control Smart mode: Game, Cinema, Personal, Energy saving, Standard, Vivid Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Tuner bands: Hyperband, S-Channel, UHF, VHF Connectivity: Ext 1 Scart - Audio L/R, CVBS in, RGB; Ext 2 Scart - Audio L/R, CVBS in, RGB; Ext 3 - YPbPr, Audio L/R in; Front/Side connections - HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0 Other connections - Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface; HDMI 1/2 - HDMI v1.3; EasyLink (HDMI-CEC) - One touch play, System info (menu language), Remote control pass-through, System audio control, System standby Mains power: 220240 V, 50 Hz Power consumption: 210 W Dimensions: W103.4 x H64.4 x D8.3cm Weight: 16kg, 20kg(with stand) Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries Pixel Plus HD for better details, depth and clarity 28.9 billion colours for brilliant natural images Dynamic contrast 50000:1 for incredible rich black details 2.1 channel surround with subwoofer for deep bass USB for fantastic multimedia playback 3 HDMI inputs with Easylink for a full HD connection PC-input allows you to use your TV as a PC monitor MPEG4 HDTV reception via DVB-T and DVB-C tuner with CI+ 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 , Manufacturer: Marks & Spencer

Clear Glass Lantern, at Marks and Spenser
Hanging feature Circular glass holder H 7.5 x Diam 7.5cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Spencer Bear Pyjamas, at Marks and Spencer
Pretty and feminine, these pure cotton Spencer Bear pyjamas are made from soft breathable pure cotton for a comfortable night's sleep

5 Floral Embroidered Bikini Knickers, at Marks & Spencers
These floral embroidered cotton rich bikinis are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Autograph Skinny Tie, at Marks and Spencer
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Limited Collection Buckled Wellie Boots, at Marks and Spencer
Round toe Buckle fastening Knee high Low heel with cut out detail Heel height: 23mm Comes in sizes 3-8

Sprung-Edge Divan with 2 Large + 2 Small Drawers & M400 Mattress - Soft, at Marks and Spenser
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

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

Portfolio Cap Sleeve Crinkled Dress with Camisole, at Marks and Spencers
Get this season's look with this gorgeous abstract print cap sleeve dress. It's fashionably styled with a crinkle finish

Limited Collection Turn-Up Cropped Trousers, at Mark & 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

Per Una Styled Embroidered Shorts, at Marks and Spencers
Feminine and delicate, these stylish shorts are made from soft stretch lace. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Classic Collection Mini Check Straight Leg Trousers, at Marks & Spenser
Smart and stylish, these straight leg mini check trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Portfolio Boule Shoulder Bag, at Marks & Spenser
Stylish and useful, this shoulder bag features a large front zip pocket. A practical and fashionable accessory

Snake Band Hipster Bikini Bottoms, at Marks & Spenser
Stylish and elegant, these fashionable bikini bottoms feature a pretty snake print band. The ultimate in poolside glamour

Mini Limited Pure Cotton Short Sleeve Zebra Top, at Marks and Spencers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Girls' Limited 3 Piece Tunic Outfit, at Marks & Spencers
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Per Una Wide Leg Bow Waist Trousers, at Marks and Spencer
A smart pair of wide leg trousers in a soft stretch fabric featuring a bow design on the waistband

Limited Collection Spot Print Lace Trim Bra, at MarksandSpencer
Fun and fabulous, this cotton blend t-shirt bra is part of our Limited Collection lingerie. It's perfectly smooth so you won't get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Older Girls' Permair™ Sporty School Shoes, at Marks and Spencers
Round toe Zig zag stitch detail Strap with riptape fastening Low wedge heel Scuff Resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Shopping for financial products at M+S 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 M+S Money website:

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

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