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 Home 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 Home 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.

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

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 MarksandSpencer 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 Mark & Spencers, 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 Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Hamilton Armchair, at Marks & Spencers
H95 x W103 x D99cm Seat H49cm, arm H66cm, top back rail 73cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Cushions are reversible on fabric upholstery options Solid birch feet Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Knitted Sleeve Hooded Jacket, at Marks & Spenser
A casual hooded jacket featuring a zip fastening and knitted sleeve

Fresh Feet Riptape Boat Shoe, at Marks & Spencer
Round toe Stitch detail Riptape fastening Lace feature Flat sole Sanitised Silver technology effectively reduces bacteria that cause odours

Value Soft Luggage Suitcase, at Marks and Spencer
Free 3 year guarantee on Value Luggage This season, give the whole family their own space with our hardwearing value luggage, which expands for 20% extra room

3 Pairs of Cotton Rich Argyle Socks, at Marks & Spensers
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Per Una Long Sleeve Dotty Collar Cardigan, at Marks & Spencer
A feminine v-neck knitted cardigan in soft fabric featuring double layered collar with dotty trim

Perfect Autograph Weekend Modal Rich Pyjama Bottoms, at Mark's & Spencer
Modern and sophisticated, these drawstring pyjama bottoms are part of our exclusive Autograph Weekend collection. They're beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Autograph Short Sleeve Crew Neck Vest, at Marks & Spenser
Ideal for layering, lounging or sleeping in, these comfortable, easy to care for vests are an essential part of any modern man's wardrobe

Autoritas Chardonnay 2007 - Case of 6, at Marks and Spencer
Style: Dry, crisp and fresh Grape variety: Chardonnay Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Split Neck Short Sleeve Cover Up, at Marks and Spencer
Feminine and fashionable, this flattering cover up is designed in the latest shape. The ultimate in poolside glamour

Medium Kangaroo Soft Toy, at Marks and Spencer
Suitable for ages 0-3 years Sewn in baby joey This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Tyrrell's Fifth Generation Classic Dry White 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape Variety: Semillon, Chardonnay, Verdelho, Traminer, Sauvignon Blanc Country of origin: Australia Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cotton Rich Pyjama Top, at Marks & Spenser
Pretty and feminine, this scoop neck top is made from soft cotton rich fabric for a comfortable night's sleep

Classic Collection Pleated Neck Top, at Marks n Spencer
Ideal for everyday wear, this smart top is made from soft easycare fabric and the fit is comfortable and flattering. A fashionable and practical style

Perfect Fit Memory Foam Padded Balcony Bra, at Marks & Spencer
The amazing memory foam in this bra moulds to your shape to give the perfect fit, wash after wash. It's like having a bra made just for you

Sony AIR-SA20PK Wireless Speakers & Dock for iPod®, at Marks n Spencer
Transmit CD-quality audio from your iPod or iPhone to up to 10 separate, plug-and-play receiver/speaker systems (two supplied). Connect the dock to a home theater receiver to listen to stored music through your home audio system Connect the dock to a television to view video content stored on your iPod on a big screen Speakers: Total 8W RMS (4W x 2) iPod Docking Station included 2 x wireless speakers included Compatible with any iPod and /or iPhone AM/FM tuner Alarm clock Wireless remote controls for your Dock and each AIR-SA15R speaker 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

Sweet Bergamot Diffuser Plug-In Refill, at Marks & Spencers
Plug-in design 15ml of fragranced liquid Lasts up to 75 days This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Clocktower Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand 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

Pure Cotton Quick Iron Button Down Stripe Shirt, at Mark's & Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Woodland Scene Playmat and Mobile, at Marks and Spencer
Suitable from birth Padded woodland quilt and arch with 3 different activities For added safety, the stuffing in this product is incorporated in an extra layer This product conforms to the EN71 and the Toy Safety Directive W65 x D65cm, Manufacturer: Marks & Spencer

Autograph Cotton Rich Long Sleeve Fine Stripe Shirt, at Marks & Spensers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Pure Cotton Crew Neck Sweat Top, at M&S
Relaxed and comfortable, this cotton rich sweat top is outstanding value!

Limited Collection Round Toe Court Shoes, at Marks and Spencers
Heel height: 78mm Round toe Slip on Court style High heel Comes in sizes 3-8, including half sizes

Autograph Bone China Side Plate, at Marks and Spencer
Plain Diameter: 21cm, Manufacturer: Marks & Spencer

Ankle Length Thermal Leggings, at Marks & Spensers
Soft, warm and cosy, these ankle length thermal leggings are designed to give comfy insulation, perfect for chilly weather

Kitchen Tall Storage Unit, at Mark's & Spencer
H177 x W50 x D60cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

50/50 Panelled Bedset, at Mark & Spensers
Panelled Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Kingsize set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Clarendon 2-Seater Sofa, at Marks & Spencers
H91 x W202 x D103cm Seat H52cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 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 Feet are castors 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 This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Handcrafted Love Birds Fabric Valentine Card, at Marks & Spencers
Cover Text: Valentine Love Birds Together Forever Inside Message: Be my Valentine x Approx size: 178 x 127mm

Pure Linen Embroidered Ginko Cushion, at Marks and Spenser
Square shape Embroidered design Hand sequins linen cushion with feather inner Lined L50 x W50cm, Manufacturer: Marks & Spencer

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 Marks and Spencers 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, Sainsbury's, 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.