Marks & Spencers 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, Marks & Spencers 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 and Spencer are so useful. Marks & Spencers 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 Marks & Spencers 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 Marks & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

Kitchens Family Organiser Calendar, at Marks and Spencers
Comes with a pen and memo pad Dimensions: 330 x 430mm

Sprung-Edge Divan with 2 Small + 2 Large Drawers & F200 Mattress, at Marks & Spencer
Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 24cm Small Drawer: H14 x W40 x D52cm Large Drawer: H14 x W78 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Spring count: 930 Sprung-Edge divan - 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 Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Short Sleeve Frill Front Shirt, at Mark & Spencers
Smart and stylish, this spot print shirt features a stunning frill front design. A sophisticated new look, perfect for this season

Classic Collection Floral Embroidered Pump Slippers, at Marks and Spencers
Round toe Pump style Floral embroidered design Slip on Flat sole Comes in sizes 3-8

Short Sleeve Paisley Print Top, at M+S
This short sleeved top will make a useful addition to your wardrobe. It features pretty lace trim for a stylish casual look

Pacific 2-Seater Sofa, Armchair and Coffee Tables Set, at M&S
Set includes Pacific large 2 seater sofa, armchair, coffee table & side table Large 2 seater sofa dimensions: H92 x W195 x D91cm Armchair: H92 x W83 x D91cm Seat H54cm (all dimensions are approximate) Coffee table: H42 x W76 x D76cm. Toughened glass top Side table: H48 x W48 x D48cm. Toughened glass top Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 tpo prevent settlement in one area of the cushion Fabric options feature reversible cushions Cushion covers are removable on this range Frame made from solid wood wrapped in pandan. 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 Pine feet with a light finish Includes 2 free matching bolsters All of our fabrics are treated with Stain-Defence& trade; - 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

Coupe Cup & Saucer, at Marks and Spencer
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Cup height: 7cm Saucer diameter: 16cm, Manufacturer: Marks & Spencer

3 Pack Easycare Long Sleeve Shirts, at Mark & Spencers
Smart and stylish, this pack of 3 long sleeve easycare shirts is great value. An ideal choice for everyday wear

Holographic Small Spots Roll Wrap, at Marks and Spencer
1 roll wrap Approx size: 150 x 70cm

Stainless Steel Masher, at M+S
Loop in handle for hanging L27cm, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton Floral Print Corduroy Skirt, at Mark's & Spencer
Fresh and feminine, this corduroy skirt is made from cool soft cotton. It's designed for a comfortable, flattering fit and an elegantly groomed look

Maternity Cotton Blend Boyfriend Cardigan, at Mark's & Spencer
Relaxed and casual, this cotton blend cardigan is designed to flatter you and your bump. A ribbed waist gives a neat, comfortable fit with room for growth. A practical, versatile choice

Footglove™ Widefit Leather Wedge Pumps, at Marks and Spencer
Round toe Stitch detail Slip on Wedge heel Heel height: 37mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Autograph Pure Cotton Straight Leg Coated Jeans, at M+S
Fashionable and contemporary, these straight leg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

M&S HP 28 Compatible Cartridge, at Marks & Spensers
Colour cartridge Compatible with HP printers using HP 28 For use in deskjet: 3320, 3325, 3420, 3425 series, 3520, 3535, 3550, 3645, 3650, 3745, 3845, 5550, 5551, 5650, 5652, 5655, 5850 For use in officejet: 4105, 4110, 4215, 4219, 4252, 4255, 6110 For use in PSC: 1100, 1200, 1205, 1210, 1215, 1217, 1219, 1310, 1311, 1312, 1315/s, 1317, 2110, 2210, 2150 For use in photosmart: 7150, 7350, 7550 This cartridge is not an original product but has been re-manufactured and re-filled to the most exacting technical standards 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 *Must be returned with the tamper seal intact for full refund

Autograph Styled Pleated Shorts, at Marks & Spensers
Luxurious and elegant these flattering shorts feature a femine pleated skirt design. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Autograph Precision Tweezers with Pouch, at Marks & Spencers
Contains 1 pair of tweezers Comes in an attractive pouch Presented in a box

2 Pairs of Cotton Rich Plain Knee High Socks, at Marks & Spencers
These cotton rich knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Collezione Classic Trim Moccasins, at Marks and Spencer
Square toe Stitch detail Slip-on Block heel

Tonal Animal Print Shorts, at Marks & Spenser
Pretty and feminine, these tonal animal print shorts are extremely comfortable to wear and give good coverage at the front and back

Ingredients Shea Nut Shower Cream, at M&S
Moisturising 200ml

Autograph Single Breasted 3 Button Slim Fit Jacket, at Marks & Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

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

Quick Iron Short Sleeve Gingham Shirt, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Marin Ridge California Shiraz 2007 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Shiraz (Syrah) Country of origin: USA Closure: Natural cork 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

Pure Wool Lightweight Check Scarf, at Marks and Spencers
Add a fashionable finishing touch to your look with this pure wool check design scarf. The perfect accessory to this season's styles

Single Pleat Stretch Trousers with Wool, at M+S
A casual single pleat combines with a distinguished shade of grey, creating a versatile and elegant pair of formal trousers. Added stretch ensures a practical and timeless fit perfectly suited for the workplace

Autograph Oval Collection - Floor Lamp, at Marks and Spencers
Cylinder shade Round base Pull string switch 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

Interlocking Oval Drop Earrings, at Marks & Spensers
Interlocking oval design Drop style Butterfly fastening Gold plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Tab Front Pleat Knee Length Skirt, at Marks & Spencers
Sleek and chic, this skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Besides Marks & Spencer Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With Marks & Spencers Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Mark's & Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.