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

Marks & Spencer 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 Marks & Spencer 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

Dora the Explorer Watch, at M&S
Buckle fastening Round face Butterfly design on straps Analogue Dora the explorer design 2007 Viacom International Inc

3 Wooden Spoons, at M+S
3 piece set Non-stick surface L35cm (largest), Manufacturer: Marks & Spencer

Velour Hooded Stripe Zip-Up Top, at Marks and Spenser
Stylish and practical, this great looking hooded top is comfortable, easycare and easy to move around in

Linen Blend Leaf Print Blouse, at Mark & Spensers
This fab short sleeve blouse features a stunning leaf print design. A sophisticated new look, perfect for this season

Beaded Cushion, at Marks & Spenser
Rectangular shape Beaded design Dimensions: H30 x L40cm, Manufacturer: Marks & Spencer

5 Younger Girls' Pure Cotton Tatty Teddy Shorts, at Marks & Spencers
A must for fans of Tatty Teddy, these pure cotton shorts feature cute motifs of the popular character

Cotton Rich Velour Hello Kitty Hooded Top, at M & S
Fashionable and pretty, this cotton rich velour hooded top features a studded Hello Kitty motif

Per Una Pure Cotton Appliqué Heart Minishirt, at M+S
Modern and feminine, this stylish minishirt features an appliqu heart design. It's made from soft breathable cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Autograph Milan Glass Shelf, at Mark's & Spencer
Wall mounted H7 x W45.6 x D7cm, Manufacturer: Marks & Spencer

Autograph Leather Pleated Pumps, at MarksandSpencer
Pointed toe Pleated design Slip on Low heel Heel height: 15mm

Per Una Lily Print Pleated Dress, at Mark's & Spencer
A fashionable knee-length dress featuring pleat detail and loose fit

3 Pairs of 10 Denier Matt Ladder Resist Ankle Highs, at Marks and Spencer
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top will keep them in place without leaving marks

Autograph Essentials Short Sleeve Top, at Marks and Spencer
Part of Autograph collection this short puff sleeve top will make a useful addition to your wardrobe. It features a scoop neck for a stylish casual look

Cowhide Rug, at Marks and Spenser
Cowhide print Irregular shape, Manufacturer: Marks & Spencer

Glass Vase, at Marks and Spencers
This large glass vase is suitable for all but the largest and shortest bouquets in our range

3 Pack of 40 Denier Opaque Tights, at M+S
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

Dress Up Best Friends Activity Book, at Marks and Spenser
Open this book and find four new friends inside, all waiting to meet you. Choose stickers to dress them in gorgeous clothes and fun accessories and join in with plenty of giggly, girly fun! With over 300 stickers and extra activities, little girls will love this Dolly dressing sticker book

Ceriso Cupcake Bikini Knickers, at Marks & Spencer
Fashionable and flirty, these modern bikinis feature contrast trim. The low rise, high leg bikini style gives a fabulous body-conscious fit. Designed for women who want the latest look

Per Una Lash Extension Mascara, at Marks and Spencer
Lash lengthening mascara Hypo-allergenic

DD-G Floral Embroidered Non-Padded Bra, at Marks & Spenser
Flattering and comfortable, this embroidered bra is specially designed for fuller busts. The full cup style gives gentle support and a flattering enhanced cleavage

Ditsy Floral Print Flexilite Umbrella, at Mark & Spencers
Brighten up rainy days with this stylish lightweight umbrella

Paris (Eyewitness Travel Guide), at Marks and Spencer
Paris has a seemingly limitless variety of attractions to tempt the visitor. Whether you are interested in a romantic stroll along the Seine or the medieval treasures of the Cluny, or just want to seek out the shopping along les grands boulevards, the "Eyewitness Travel Guide to Paris" has everything you need. Using the unique cutaway maps, floor-plans and 3D models explore state of the art museums, places of worship and architecture, from Gothic Notre Dame majestic Sacre Coeur to the Arc de Triomphe and contemporary Centre Pompidou

Per Una Roma Bootleg Belted Jeans, at Marks and Spencer
A stylish bootleg pair of jeans in stretch cotton featuring an on the waist design. Comes with a silver plated belt, making it extra stylish

Pure Cotton 3/4 Sleeve Geo Print Top, at Marks and Spencer
This 3/4 sleeve top will make a useful addition to your wardrobe. It features pretty geo print for a stylish casual look

2 Machine Washable Mickey Ties, at Marks & Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Classic Non-Wired Built-Up Shoulder Bra, at Marks & Spenser
Non-wired to provide you with a more natural silhouette. This great bra offers superior support thanks to adjustable straps and added stretch, while the easycare design guarantees convenient comfort

Diamond Weave Straw Trilby, at Marks and Spencer
Made from 100% natural straw, this hat is vented and has a wide brim, with, naturally a turned up backside. Finished off with a stiped band around the crown to give this hat a vintage look with an update sense of fashion and comfort

Sonoma Office Dark Brown Leather Chair, at M&S
H117 x W63 x D72cm Adjustable seat: H36 - 42cm Metal base Leather seat Gas lift function Delivered flatpack due to size. Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Cardigan, at Marks and Spencer
Soft and comfy, this lightweight knitted pure cotton cardigan is outstanding value. A fashionable easycare style

Blue Harbour 3/4 Length Shorts, at Marks & Spencers
Relaxed and casual, these fashionable shorts are made from comfortable cotton and feature characteristic cargo style pockets

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. Marks & Spencer Money financial products are, of course, designed to make Marks & Spenser 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 Marks & Spencer 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 Marks & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.