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 & 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, Marks & Spencer 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 Mark's & Spencer are so useful. Marks & Spencer 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 Marks & Spencer 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 Marks & Spencer 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 Marks & Spencer Money. Not least of these is MarksandSpencer 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 MarksandSpencer, 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 Finance, you get more, and you pay less.

Easycare Short Sleeve Fine Pinstripe Shirt, at Marks & Spencers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Per Una 3/4 Sleeve Crochet Trim Top, at Marks and Spencers
A stylish scoop neck top featuring 3/4 sleeve and a crochet trim detail

5 Cotton Rich Stripe High Leg Thongs, at Marks & Spencer
These high leg cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

M&S 2200W Watt Steam Iron, at Marks & Spensers
1850 - 2200 watt Variable steam Easy-glide stainless steel soleplate Dry/steam ironing Anti-drip and anti-scale Auto shut off Soft grip handle 300ml transparent water reservoir 360 degree swivel cord Dimensions: H28cm 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

Collezione Wide Fit Twin Toe Cap Lace-Up Shoes, at MarksandSpencer
These collezione toe cap shoes are smart and sophisticated, they use a beautifully constructed leather upper, leather lining and leather sole to create shoes that are ideal for the office

Pure Cotton Ribbon Trim Hat, at Marks & Spencers
Keep ahead of the trends with this contemporary ribbon trim sunhat, an essential look for style in the sun

3/4 Sleeve V-Neck Longline Stripe Jumper, at Marks & Spenser
Fashionable and flattering, this jumper features two front pockets. Stylish, practical and fashionable

Heart Cluster Pendant Necklace, at M&S
Clasp fastening Adjustable length Heart cluster pendant Necklace lengths: 85cm, extendable by 8cm

Autograph Luxury Linen Blend Vertical Stripe Shirt, at Marks and Spenser
Smart and refined, this vertical stripe shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Lightweight Long Sleeve Hooded Water Resistant Jacket, at M & S
Practical and fashionable, this hooded jacket is fully lined and features embroidered badge detail as well as being water resistant. A comfortable, easycare style, machine washable for added convenience

Ruby Side Plate - Black, at Marks & Spencer
Plain centre Stripe edge Diam 21.5cm, Manufacturer: Marks & Spencer

3 Pairs of 40 Denier Semi Opaque Knee Highs, at Marks & Spenser
A great value set of 40 denier hold ups with a reinforced top for added support making sure they stay in place at all times

5 Pairs of Younger Girls' Assorted Design Socks, at M & S
Stock up on stylish essentials with this pack of 5 heart and stripe argyle socks

Beer Bottle with Electronic Sound Birthday Card, at Mark & Spensers
Cover Text: Happy birthday This calls for a cold one! Push for thirst aid Inside Message: Blank for your own message Approx size: 230 x 114mm

Cotton Rich Plain Flat Sheet, at Marks & Spencer
Plain design, Manufacturer: Marks & Spencer

V-Neck Guipure Lace Plain Vest, at Marks & Spencer
A pretty addition to any wardrobe. This beautiful vest matches lush guipure lace with the cosy, convenient qualities of a soft and easy to care for design

50/50 Tie Dye Print Bedset, at M&S
Tie dye print design Single set includes duvet cover and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size includes duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

North Coast Fairtrade Cotton Textured Shirt, at M&S
Look below to see a video clip about Fairtrade Fairtrade certification shows that suppliers have been paid a fair price for their products and their work. Buying Fairtrade helps support farmers in developing countries and their communities

Autograph Pure Cashmere Polo Neck Jumper, at Marks & Spensers
Sophisticated and modern, this polo neck jumper is made from pure cashmere for the ultimate in luxuriously soft knitwear

Portfolio Twist Sleeve Top, at Mark's & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Portfolio Sleeveless Stripe Jersey Dress, at Marks and Spencers
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Limited Collection Pure Cotton 3/4 Sleeve Top, at Mark & Spensers
This 3/4 sleeve top will make a useful addition to your wardrobe. It features a pretty floral print design for a stylish casual look

Sienna Table, at Marks and Spencers
Powder-coated steel frame Marble tabletop Individual marble characteristics Suitable for all-weather outdoor use H72 x Diam 110cm Please note that there is no hole for a parasol umbrella This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Artificial Orchid Spray in Ceramic Bowl, at Marks&Spencer
Artificial orchid Ceramic bowl H75cm, Manufacturer: Marks & Spencer

Autograph Slinky Drape Dress, at Marks and Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

All Over Lace Embroidered Underwired Bra, at Marks n Spencer
A pretty and practical bra for everyday use, adjustable straps and added stretch translate into a comfortably secure fit whilst lace embroidery provides a sophisticated finish

Older Girls' Floral Stretch Waist Belt, at Mark & Spensers
Fun and fashionable, this elasticated belt adds a stylish finishing touch

Blue Harbour Basic Crew Sweat Top, at Marks & Spencer
Every wardrobe needs a good value and comfortable crew top like this. Whether you wear it for the gym or to lounge around in, you'll love its soft and easy wearability

Automatic Compact Design Umbrella, at Marks&Spencer
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Pure Leather Patent Oval Buckle Belt, at Mark's & Spencer
Add a smart finishing touch with this leather patent finish oval buckle belt

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 M&S 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 and Spencer, 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 & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.