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.

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 Marks and Spencer 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.

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

Charcoal Block Towels, at Marks and Spencer
Block design Comes in 3 sizes, Manufacturer: Marks & Spencer

2 Older Boys' Pure Cotton Woven Pyjama Bottoms, at Marks and Spenser
Soft and comfy, this pack of 2 pure cotton pyjamas feature assorted designs

Heart Mesh Lace Trim Hipster Knickers, at Marks & Spenser
Pretty and feminine, these hipster briefs are extremely comfortable to wear and give good coverage at the front and back

Classic Collection Paisley Print Skirt, at Marks and Spencer
Elegant, stylish and comfortable, this ankle length pull-on skirt is finished with a paisley print. The ideal match for blouses and fine knits in coordinating colours.

Soft Poly Flat Front Slim Leg Trousers, at Marks & Spensers
Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. The flat front design adds a fashionable update

Wide Stripe Padded Bra, at Marks and Spencer
Feminine and pretty, this wide stripe bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

2 Pure Cotton STAIN-AWAY™ Polo Shirts, at Marks & Spencer
A great value 2-pack treated with STAIN-AWAY™, our unique high performance finish which helps prevent everyday stains, and makes them easy to wash out clean. It even works with ink blots!

Autograph Weekend Belted Denim Dress, at MarksandSpencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Perfect Scorpius Hard Medium Rollercase, at Marks & Spencer
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

Handheld Grater, at Marks & Spencers
Grip handle Wide plate, Manufacturer: Marks & Spencer

Pure Cotton Ireland Rugby Top, at Marks & Spensers
A must for rugby fans! This official Ireland rugby top features the Irish motif. A modern easycare style in soft comfortable cotton

Classic Collection Cotton Rich Centre Crease Jeans, at Marks & Spenser
Fashionable and flattering, these straight leg cotton rich jeans are made with added stretch for improved comfort, fit and shape retention.

Portfolio Wrap Tie Cardigan, at M & S
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

iPod® Camera Connector, at Marks & Spensers
Compatible with colour display iPod and iPod video Requires iPod photo software v1.1 or later 2 year guarantee 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

Autograph Essentials Sleeveless All-In-One, at Marks and Spencer
Beautifully designed and luxurious, this exclusive all-in-one is detailed with a tie fastening belt. A stunningly glamorous style statement, perfect for elegant occasions

Rockridge Merlot 2008 - Case of 12, at Marks & Spencers
Style: Medium bodied Grape variety: Merlot Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Barton Large 2 Seater Sofa, at Marks & Spenser
Manufacturer: Marks & Spencer

Water Sign Bracelet, at Marks and Spencer
Stretch style Beaded design Water sign charm

Faux Pearl Collar Necklace, at M & S
Adjustable length Clasp fastening Multi strand Faux pearl design Necklace length: 30cm, extendable by 8cm

Headboard - King Size (5ft), at Marks and Spencers
H77cm (without struts) x W163cm (all dimensions are approximate) Upholstered in your choice of fabrics or leathers Designed to fit most standard divans Mattress and divan sold separately Detailed care instructions are included 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 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 samples: 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, Manufacturer: Marks & Spencer

Ceriso Rio Push Up Padded Bra with Silk, at Marks & Spencers
Sassy and glamorous, this modern bra is beautifully detailed with a lace trim. Soft padding and underwiring give great support and a flattering enhanced shape. Designed for women who want the latest look

Stainless Steel Ice Cream Scoop, at M+S
Chunky handle Hanging loop, Manufacturer: Marks & Spencer

Freshfeet Contrast Lined Velour Slippers, at Marks & Spensers
Round toe Slip on Flat sole Contrast lined With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours Comes in sizes 6-12

Older Girls' Lace-Up Basic Trainers, at Marks and Spencer
Sporty and stylish, these comfortable trainers feature mesh detail and lace-up fastening

Large Meat Platter, at M&S
Contains 25 slices Serves 6 Ready to eat 700g As featured on page 18 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

Per Una Square Button Jacket, at M+S
A fashionable notch lapel jacket featuring a single breasted design and square button fastening

Pure Cotton Short Sleeve Assorted Face T-Shirt, at M+S
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Younger Girls' Dora The Explorer Trolley Bag, at Marks and Spencer
Fans of Dora the Explorer will love this extendable grip handle trolley bag featuring the popular character

Autograph Suede Punch Stitch Slip-On Shoes by Jeffery-West, at Marks & Spenser
Square toe Slip-on Punch stitch detail Block heel

Pure Cotton Reversible Hooded Jacket, at M & S
He'll have two looks in one with this practical reversible hooded jacket. It's made from soft comfortable cotton

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 Marks and 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 Motor Insurance from Marks & Spencer Money, you get more, and you pay less.