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 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 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 Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark's & Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencers 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 & Spensers, 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 Financial Services, you get more, and you pay less.

Strappy Lace Front Vest, at M&S
Pretty and feminine, this strappy vest features a lace front design. The soft fabric gives a comfortable flattering fit

Portfolio Frill Front Cardigan, at Marks and Spenser
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Long Sleeve Tie Waist Dressing Gown, at Marks and Spenser
Soft and stylish, this cosy dressing gown is made from soft fleece so you can snuggle up in style and comfort. Available in 2 lengths

Portfolio Short Sleeve Swirl Print Blouse with Camisole, at Mark's & Spencer
Chic and contemporary, this cowl neck blouse gives a stylish modern look and features an integrated camisole

Pure Cotton Short Sleeve Love Music T-Shirt, at M & S
A motif design adds a fashionable touch to this pure soft cotton top

Ben 10 Wrap Pack, at Mark & Spensers
2 sheets, 2 tags Each sheet: 495 x 695mm Tags: 80 x 55mm (folded) TM & 2008 Cartoon Network. A Time Warner Company. All Rights Reserved

Limited Collection Etched Floral Lace Brazilian Knickers, at Marks and Spencer
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

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

Blue Harbour Stormwear™ 3 in 1 Hooded Fleece Jacket, at M+S
Stylish and innovative, this Blue Harbour 3 in 1 fleece jacket is treated with Stormwear™ technology, a breathable finish that repels water and stains

Sonoma 3 Drawer Bedside Table, at MarksandSpencer
H60 x W45 x D45cm 3 drawer Elongated wooden handles Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer 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 sheen10. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Short Sleeve Lace Blouse, at Marks n Spencer
A feminine short sleeve blouse featuring chiffon and lace trim neckline

Pink Bouquet Special Nan Birthday Card, at Marks and Spencers
Cover text: To a special Nan Inside message: With love on your birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125mm

Autograph Weekend Modal Rich Nightdress, at Marks & Spencer
Modern and sophisticated, this v-neck nightdress 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

2 Mosaic Seat Pads, at Marks & Spensers
Set of 2 Seat pads for Mosaic stackable chairs Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Golf Lite Umbrella, at Marks and Spenser
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Autograph Essentials Funnel Neck Coat, at Marks & Spencer
A stylish mid-length coat is perfect for a modern look you can wear every day. This machine washable version features a flattering, single breasted design and funnel neck

Classic Collection 3/4 Sleeve Cardigan, at Marks & Spencer
Soft and comfortable, this 3/4 length sleeve cardigan makes a versatile extra layer. Dress it up with smart skirts and trousers, or wear it with jeans for a casual modern look

Single Breasted 3 Button Crop Jacket, at Marks & Spencer
Update your look with this fashionable crop jacket. A contemporary style that will bring a fresh twist to smart and casual looks

Ruby Cot Bed & Pocket Sprung Mattress Set, at M & S
Cot Bed: H100 x L147 x W82cm Cot under bed drawer: H12.5 x W132 x D65.5cm Cot converts into a junior bed suitable for children up to age 5 Cot has fixed sides with 3 optional height positions for the base Mattress: Spring count 264 - L140 x W70 x D15cm Mattress has hygienic, moisture-resistant covering and fully conforms to current safety standards Dual sided mattress cover features a waterproof surface on one side and a comforting cotton blend on the other Made from solid wood 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Sleeveless Ruffle Top, at M&S
A fashionable sleeveless top featuring front ruffle detail

Ceriso Floral Print Padded DD-G Bra with Silk, at Marks & Spencer
Gorgeously feminine, this modern bra features a rose print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a fabulous uplifted shape. Designed for women who want the latest look

3 Water Hyacinth Round Storage Baskets, at Marks and Spencers
Set of 3 Double contrast handles Woven design Large basket: H35 x 42cm diam Medium basket: H32 x 37cm diam Small basket: H28 x 32cm diam, Manufacturer: Marks & Spencer

Support Pillows - BED WEDGE PILLOW, at Marks & Spencer
Manufacturer: Marks & Spencer

Bamboo Teapot Stand, at MarksandSpencer
Wooden lattice design H2.5 x W19 x D19cm, Manufacturer: Marks & Spencer

Blue Harbour Heritage Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spencers
These heritage inspired shirts are a wardrobe staple. The contrasting trims and button-down collar create a stylish, authentic look that's great for any occasion

Cosmetic Floral Weekender & Purse Set, at Marks & Spenser
2 part set Floral print weekender bag with double handles and zip fastening Floral trim purse with zip fastening Lined

A Touch of Class, at M&S
Veuve Hennerick Champagne (75cl, 12% alc vol) Belgian chocolates (155g) Presented in blue satin lined box with a pull-out tray for chocolates Price includes delivery Licensing Act 2003: it is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Sterling Silver Loop Bangle Bracelet, at Marks and Spenser
Loop fastening Plain Sterling silver This product is not available for international delivery. Find out more

Scoop Neck Lace Vest, at Marks & Spensers
Stylish and practical, this lace vest makes an ideal choice for everyday wear

Maternity Long Sleeve Empire Cardigan, at Marks and Spencers
Fashionable and modern, this long sleeve cardigan is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. A practical, versatile choice

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser 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 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 & Spencers, 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.