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 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 Home 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 Home 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 M&S are so useful. M+S Money financial products are, of course, designed to make Marks & Spencers 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home 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 Marks & Spenser Standard Car Insurance. With M+S 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 M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M&S, 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.

Leather Rectangle Plaque Buckle Belt, at Marks n Spencer
Add a smart finishing touch with this pure leather belt and plaque buckle

M&S Flush Wall Mount for 22-32'' TV, at Marks & Spensers
Fits LCD screens from 22-32 inches Flush to wall mount VESA compliant for 22-32in screens No assembly required 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

Pure Cotton Collegiate Baseball Cap, at Marks & Spenser
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in the park, the baseball cap is a true summer essential

Classic Bed Stool, at M&S
H47 x W74 x D99cm (extends to L215cm) Top of stool is removeable and bed folds out from within. Click here to view bed Top cushion of stool made from polyester fibre Foam mattress for occasional use Mattress dimensions: L178 x W61 x D5cm Both stool and bed rest on glides Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Contrast Brim Straw Trilby, at MarksandSpencer
Keep your cool in this straw sun hat, a summer and holiday essential

Snake Band Halterneck Bikini Top, at Marks and Spencer
Modern and stylish, this flattering bikini is designed in the latest shape. The ultimate in poolside glamour

Maxim Egg Cup, at Marks & Spencers
Egg cup Versatile fine dining range Plain porcelain Suitable for everyday use H6.5 x diam 5cm, Manufacturer: Marks & Spencer

Diamanté 60th Card, at M+S
Cover text: Have a super 60th Inside message: Happy Birthday Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

First Reader Gingerbread Man Book, at Marks & Spencer
This popular story is part of the First Readers range. The Gingerbread man has runaway and can't be caught - or can he?

Knee Length Belted Panel Skirt, at Marks and Spencers
Fashionable and contemporary, this panelled skirt makes a fashionable, flattering choice. A glamorous modern style

2 Pairs of Wool Blend Long Argyle Socks, at Marks and Spencer
A wool blend makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Fabulous at 40 Dotty Birthday Card, at Marks & Spenser
Cover text: Fabulous at 40 Inside message: Happy Birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 178 x 125mm

Cats Photographic Calendar, at Marks and Spencer
Month-to-view Approx. size: 225 x 390mm

Glass Ball Collection - Table Lamp, at Marks and Spencer
Square base Glass ball stem Suedette shade H60 x Diam 30cm Bulb: 100W BC GLS 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

Pure Cotton Stripe Mock Layer Jersey Top, at Marks and Spencer
Smart and stylish, this mock layer top is made from cool comfortable cotton and features a ruffle front detail and stripe print

Pure Cotton Gathered Short Sleeve Mock Layer Top, at Marks & Spenser
Smart and stylish, this mock layer top is made from cool comfortable cotton and features gathered short sleeve

Panasonic 37" TX-L37S10 Full HD LCD TV, at Marks & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 37 inch plasma display, 2,073,600 (1,920 x 1,080) pixels Contrast (Dynamic): 50,000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W91.5 x H57.7 x D9.7cm (without stand) 91.5 x 62 x 28.7cm (with stand) Weight: 15.5 kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video Input, Headphone Jack, Composite Video Input VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot 24p Playback: High speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your AV systems with only one remote 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Pure Cotton 3/4 Sleeve Square Neck Top, at Marks and Spencer
For casual elegance, you can't beat this stripe square neck top. A great value cotton essential

Sensuale Eau De Toilette, at MarksandSpencer
Floral fragrance 25ml This product is not available for international delivery. Find out more

2 Angel Cotton Rich Assorted First Bras, at Marks & Spensers
Ideal for everyday wear, these smooth bras give a supportive and comfortable fit. The moulded style is ideal for wearing under t-shirts or fitted tops. The non-wired design is the best choice for first bras

Limited Collection Cow Boy Boots, at Marks & Spenser
Round toe Stitch detail Pull on Mid heel Comes in sizes 3-8, including half sizes

Single Breasted Pinstripe One Button Jacket, at M & S
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Easycare Satin Check Long Sleeve Shirt, at M&S
This easycare shirt is perfect for value, comfort and style

Bold Stripe Wallpaper, at Marks and Spencer
Printed wallpaper No pattern repeat Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Roll dimensions: W52cm x L10m Printed wallpaper is not washable - sponge cleaning only Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Plain Crook Umbrella, at M & S
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

Autograph Pure Silk Christening Dress, at Marks and Spenser
Beautifully embellished with floral embroidery, this special dress is so pretty. The soft silk will keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

BT Freestyle 750 Cordless Phone with Answering Machine, at Marks and Spencer
GAP compatible 15 minutes recording time 50 name & number directory 10 number calls list 5 number redial list Low energy power supply and recyclable packaging 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

Autograph Punch Stitch Apron Shoes by Jeffery-West, at Marks & Spensers
Slip-on Square toe Stitch detail Shallow block heel

Per Una Long Sleeve Crochet Blouse, at Marks and Spencer
A feminine v-neck self stripe blouse featuring a crochet detail and rear tie fastening

Velvet Soft Mono Eyeshadow, at Mark's & Spencer
Hypo-allergenic Available in 12 shades 3g

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer 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 Car Insurance, M&S Home 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 Marks and Spencer, 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.