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 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.

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

There are lots of ways to save money using M+S Money. Not least of these is Marks n Spencer 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 & Spenser, 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.

Christening Church Card, at Marks & Spenser
Cover text: Christening with love on your special day Inside message: Wishing you lots of happiness This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future Approx size: 174 x 124mm

Flat Front Crease Resistant Stripe Trousers, at Marks n Spencer
Stay smarter for longer with these innovative crease resistant trousers

Per Una Short Sleeve Gathered Jersey Top, at Marks & Spencer
An elegant short sleeve jersey top featuring gathered front design and underbust seam

Pure Cotton Stripe Towel, at Marks & Spencer
Multi-stripe design Comes in 3 sizes Hand towel Bathsheet X-large bath towel, Manufacturer: Marks and Spencer

Autograph Long Sleeve Satin Stripe Shirt, at MarksandSpencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary satin stripe print

Polarised Sports Sunglasses, at Marks & Spencers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Blue Harbour Modal Blend Self Stripe Shirt, at Marks n Spencer
Stylishly smart casual, this self stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Classic Collection Pure Cotton Short Sleeve Top, at Marks & Spenser
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

M&S 15'' LCD TV with Built-in DVD Player - Silver, at Marks and Spenser
Display: 15 inch flat screen, 1280 x 800 pixels Contrast Ratio: 400:1 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: H34.5 x W38 x D17.5cm Sound: Nicam stereo Connectors:1 x HDMI input, 1 x Scart socket DVD Player: Built-in Dynamic Contrast Ratio: 2000:1 Use wall mount

Autograph Embroidered Short Sleeve Blouse, 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

2 Fairtrade Organic Cotton Elephant All-in-One Suits with Socks, at Marks & Spencers
These cute all-in-ones are made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Quiche Selection, at Marks and Spencer
18 pieces Serves 9 Ready to eat Suitable for freezing 1kg As featured on page 20 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

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

Plain Low Rise Bikini Bottoms, at Marks n Spencer
Sleek and stylish, these flattering tankini bottoms are designed in the latest shape.

Matching Shapes Puzzle, at Marks & Spencer
Suitable for ages 0-3 years 18 pieces Helps with hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

3 Cool & Fresh Pure Cotton Assorted Colour Trunks, at Marks & Spencers
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Per Una Pure Linen Katie Skirt, at Marks n Spencer
A stylish mid length skirt in pure cool linen featuring horizontal seam detail. Comes with the belt shown in the photograph

Velvet Soft Powder Blusher, at Marks & Spenser
Clear lid compact Available in 5 shades 8g

Painted Floral Mother's Day Sheet Wrap Pack, at Marks and Spencers
Contains: 2 sheets and 2 tags Approx size: Each sheet: 495 x 695mm

Assorted Charm Bracelet, at Marks & Spencer
Clasp fastening Adjustable length Assorted charms

Stripe & Ring Waist Tankini Bottoms, at Marks & Spensers
Gorgeous and glamorous, these stylish tankini bottoms feature stripe waist band with ring detail. Designed to fit and flatter

Airflex™ Stormwear™ Leather Gibson Shoes, at Mark & Spencers
Round toe Stitch detail Lace up 4 eyelets Block heel All upper seams treated with flexible sealant Expanding breathable and waterproof sole Stormwear™ technology repels water and stains Unique airflex™ airflow system for unbeatable comfort

Dan's Mouse Floral Wheelbarrow Birthday Card, at Marks & Spencer
Cover text: For you...from me...with love xxx Inside message: Blank for your own message Approx size: 150 x 215mm

Per Una Cape Cardigan with Wool, at Marks and Spencer
A stylish 3/4 sleeve cardigan in a soft knitted fabric featuring a wide cape style

M&S Create Your Own Greeting Card Software, at Marks and Spencer
Includes 10,000 pieces of clipart Full scaleable images This product is not available for international delivery. Find out more 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

Classic Collection Floral Embroidered Nightdress, at Marks and Spenser
Flattering and stylish, this nightdress is comfortable to sleep in and features a pretty floral embroidered design

Olympus FE-5000 Digital Camera, at Mark & Spensers
Effective pixels: 10 Megapixels Zoom: 5 x Optical zoom Digital Zoom: 4 x / 20 x combined with optical zoom LCD: 6.9 cm / 2.7", LCD backlight boost: Auto focus with contrast detection, Image Stabilisation Mode, Shadow Adjustment Technology, Advanced Face Detection Technology Number of scene modes: 11 Sensitivity: Auto: AUTO / High AUTO Automatically selected; Manual:ISO 80, 100, 200, 400, 800, 1600 Internal Flash: AUTO, Red-eye reduction, Fill-in, Off Image Processing, Function Processing, Image Editing, View Images, View Movie, Still Image Recording, Movie Recording System, Voice Appendage Memory: 48 MB for image data(Internal) Menu languages: 39 languages Speaker, Combined A/V & USB output, USB 2.0 High Speed, Mechanical Image Stabilizer, Advanced Face Detection Technology, Perfect Shot Preview Self timer: 12s Dimensions: W97 x H57 x D26cm Weight:137g (without battery and card)

Newborn Pure Cotton Reversible Jacket, at Marks & Spenser
He'll have two looks in one with this practical reversible jacket. It's warmly padded and made from soft comfortable fleece and cotton fabric

M&S 3m Gold Scart Cable, at Marks & Spensers
3 metre cable 24 carat gold connections Multiple shielding for minimum interference 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

Velvet Soft Mono Eyeshadow, at Marks and Spencer
Hypo-allergenic Available in 12 shades 3g

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 and 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 Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.