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

M&S 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 M&S 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 Spencer 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, Sainsburys, or Tesco Direct:

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

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 & 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 M&S 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 M&S Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

5 Older Boys' Pure Cotton Sleeveless Vests, at Mark's & Spencer
An outstanding value 5 pack of vests in natural breathable cotton

Leather Hip Wallet, at Marks & Spenser
Stylish and practical, this leather wallet is outstanding value

Autograph Weekend Pure Silk Blouse, at Marks and Spencer
Sophisticated and modern, this pure silk blouse is beautifully designed and cut to flatter for the best in contemporary style

Maternity Skirt & Leggings Set, at Marks&Spencer
Smart and stylish, this skirt and leggings set is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Lichfield 5-Drawer Wide Chest, at M&S
H90.5 x W116.5 x D50cm With three small and two wide drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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 this chest as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Piece Stainless Steel Pan Set, at M&S
5 pan set Glass lids Riveted handles Encapsulated base for even heat distribution Non stick coating Includes 16, 18 and 20cm saucepans 0.9 litre capacity milk pan 25cm diameter frying pan, Manufacturer: Marks & Spencer

Frill Trim Floral Print Swimsuit, at Marks and Spencer
Fresh and pretty, this fashionable swimsuit is specially designed to give great support and a flattering, comfortable fit. A sleek, shapely look

Stud Detail Ankle Leggings, at Marks and Spenser
Complete with a cropped stud detail length these great leggings are the perfect partner for this season's trendy tunics and denim minis

Girlie Dress Up Compendium, at Marks and Spenser
1 carry case 18 felt pens 18 coloured pencils 2 pencils Eraser Pencil sharpener Ruler Protractor 45 degree set square 60 degree set square

Heart Pointelle Thermal Leggings, at Marks & Spenser
Keep warm and comfortable in these soft thermal leggings. Cosy without being bulky, they make the perfect extra layer for cold weather

Contino Estate Rioja 2004 - Case of 6, at Mark's & Spencer
Style: Full bodied Grape variety: Tempranillo, Graciano & Mazuelo Country of origin: Spain Closure: Natural cork Suitable for vegetarians 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

PS3™ 80GB with Pure & Tomb Raider Games Bundle, at Marks & Spencers
Bundle includes PS3 80GB console and 2 games: Pure & Tomb Raider Game 1: Pure - Thrill seekers will be racing against skilled rivals and performing gravity defying aerial tricks in Pure, an extreme sports off-road racing video. Pure takes off-road racing to a new level. Featuring vertigo-inducing massive aerial jumps and spectacular airborne tricks in photo-realistic real-world locations all over the globe, Pure delivers heart-pounding experiences unique to the genre Game 2: Tomb Raider - The first lady of gaming returns in Tomb Raider - Underworld with her deepest and darkest adventure yet. Ostensibly searching for the mythical hammer of the Norse god Thor, the real draw of the game is exploring the underworlds of multiple different cultures 80GB HDD for storing games, music, videos and photos High-Definition Blu-ray player for the best movie experience Internet ready with built-in Wi-Fi Two USB ports HDMI output for 1080p resolution (cable sold separately) Plays DVDs and CDs Cell Broadband Engine advanced microprocessor DUALSHOCK3 wireless controller Free PlayStationNetwork membership AC power cord AV cable USB cable Console dimensions: W32.5 x H9.6 x L27.4cm Please note: User responsible for all applicable Internet fees. Some services or features may require additional fees. Video output in HD requires cables and an HD-compatible display, both sold separately. Copy-protected Blu-ray video discs can only output at 1080p using an HDMI cable connected to a device that is compatible with the HDCP standard. HDMI cable not included

Autograph™ Contemporary Chic Bouquet, at Mark & Spencers
A glamorous mix of sumptuous coolwater roses and lilac alstroemeria, interspersed with mdramatic eryngium blooms and beautifully framed by large leaf eucalyptus Available for delivery from 1st April to 30th September 2009

Per Una Folk Print Border Skirt, at Marks & Spenser
A stylish high waist skirt featuring a folk print border and pleated design

Easy Vegetarian Baking, at Marks and Spencers
Perfect too cook up after a hard day at work, these easy bake vegetarian recipes are not only simple and quick, but they're fresh, delicious and healthy. There are meals for on-the-move, chill-out sessions and snacks for you to enjoy

2 Plain Non-Padded T-Shirt Bras, at Marks and Spencers
Soft and comfortable, these non-padded t-shirt bras are outstanding value

2 Per Una Clover Embroidered GG-J Bras, at Marks & Spenser
Fresh and feminine, these bras are beautifully embellished with clover embroidery. They're underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Divan On Legs & Autograph M500 Zip & Link Mattress, at Marks and Spencers
No turn mattress: medium / firm tension Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 31cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

WALL-E DVD, at Marks & Spensers
Rating Universal, suitable for all,

Limited Collection Darling Bow Necklace, at Marks & Spenser
Clasp fastening Adjustable length Snake design chain Bow feature Necklace length 40cm, extendable by 8cm

Per Una Speziale Long Wear Pressed Powder, at Marks and Spenser
Long wear, light diffusing pressed powder Lasts for up to 16 hours Hypoallergenic 11g

Cotton Rich Ribbed Waist Trousers, at Marks and Spencer
Casual and comfortable, these easycare cotton rich trousers make a fashionable and practical choice

Silver Plated Cat's Eye Barrel Necklace & Bracelet Set, at Marks and Spenser
2 part set Cat's eye barrel stretch bracelet Clasp fastening cat's eye barrel necklace Necklace length 40cm, extendable by 8cm

Hamilton Large 2-Seater Sofa, at Mark & Spensers
50% reduction on Dakota Leather Espresso applied 21 May - 1 June 2009. 30% reduction on all fabrics applied 9 April - 20 May 2009. Higher prices applied between at least 25 February - 8 April 2009. H95 x W220 x D99cm Seat H49cm, arm H66cm, top back rail H73cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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 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 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wide Band Toe Post Wedges, at Marks & Spencers
Contrast wide band Thong style Heel height 55mm Comes in sizes 3-8, including half sizes

Perfect Autograph Weekend Modal Rich Pyjama Top, at Marks & Spencer
Modern and sophisticated, this short sleeve pyjama top is part of our exclusive Autograph Weekend collection. It's beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Per Una Long Sleeve Bouncy Frill Cardigan, at Mark & Spencers
A casual long sleeve open cardigan in a soft cotton blend. Bouncy frill trim details give it the Per Una touch

Pure Cotton Spongebob Squarepants Crew Neck T-Shirt, at Marks and Spencer
Fans of Spongebob Squarepants will love this crew neck cotton t-shirt featuring the popular character. A practical, easycare style

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks and Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Castello d'Alba White 2008 - Case of 12, at Marks & Spenser
Grape variety: Blend of traditional Douro varieties Country of origin: Portugal Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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 Marks n Spencer, 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 Marks & Spencers Money, you get more, and you pay less.