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 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.

M&S 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 M&S 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 Spencers 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:

• 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 M&S Money UK and European Breakdown Cover, since it covers you as a passenger too.

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 & Spencer are so useful. M&S Money financial products are, of course, designed to make Marks and Spencers 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

Pure Silk Cravat & Handkerchief Set, at Marks & Spencer
Add a traditionally stylish finishing touch with this pure silk cravat. Ideal for weddings and elegant occasions

3 Modal Blend Long Sleeve Assorted Tops, at Marks and Spenser
Stock up on essentials for less! This great value pack of 3 tops is comfortable, practical, fashionable and easycare

Apple iPod Shuffle 4GB, at M & S
Smallest iPod shuffle ever 4GB of storage (up to 1,000 songs) Easy access controls VoiceOver - tells you song titles, artists, and playlist titles through your headphones Durable, anodised aluminium case with stainless steel clip Playback time: Up to 10 hours when fully charged Built-in rechargeable lithium polymer battery Skip-free playback Dimensions: H45.2 x W17.5 x D7.8mm Weight: 10.7 grams For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional (service pack 3 or later) or Mac OS X v10.4.11 or later In the box: iPod shuffle, earphones, USB cable TM and 2008 Apple Inc. All rights reserved 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

Younger Boys' Pure Cotton Assorted Slips, at Marks & Spencer
An outstanding value 5 pack of Slips in natural breathable cotton

Dotty Aunty Bubbly Birthday Card, at Marks and Spencers
Cover text: Have a Bubbly Birthday Aunty x Inside message: Blank for your own message Approx size: 215 x 150mm

Rosina Corner Group, at Marks & Spencer
H82 x W252 x D97cm (actual length 252cm from end to back) Seat H45cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Fabric options feature reversible cushions 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 Solid birch feet with a medium finish Can be arranged to fit both left and right room corners 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 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

Country Bunch Goodbye Card, at Mark's & Spencer
Cover text: Goodbye Inside message: Blank for your own message Approx size: 150 x 150mm

Autograph Reversible Leather Belt, at Marks and Spencer
Add a smart finishing touch with this leather belt

Footglove™ Leather Loafers, at Marks & Spensers
Round toe Stitch detail Flat sole Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

12 Cup Muffin Tray, at Marks and Spencer
Ideal for baking sweet or savoury muffins Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles L18 x W26.5cm, Manufacturer: Marks & Spencer

Thin Frame Tinted Reading Glasses, at M & S
Marks and Spencer reading glasses have optical quality magnifying lenses to aid close work and reading

Daughter and Son-in-Law Large Wedding Card, at Marks & Spencer
Cover text: To a Special Daughter and Son-in-Law Inside message: With love on your wedding day Approx. size: 220 x 220mm

Autograph 1 Button Plain Jacket, at Marks and Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Baron de Pocé Sauvignon Blanc 2007 - Case of 12, at Marks & Spencer
Style: Dry, Medium bodied Grape Variety: Sauvignon Blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 12.5% Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Murphy's Contemporary Selection Red Mix - Case of 12, at Marks & Spencers
2 Domaine du Donjon des Dames, Plan de Dieu 2007: A full-bodied and densely textured red from the Southern Rhne which combines rich, plum fruit flavours with an attractive note of savoury spice... 2 Castello d'Alba Red 2007: Ripe and velvety, this is a lightly oaked Douro red that is beautifully crafted and offers superb value for money... 4 De Bortoli Willowbank Shiraz 2007: warm-fruited, creamy-textured Shiraz from Australia. This wine is all about soft, rounded flavours of cherry, mint and chocolate, together with a gently warming finish... 4 Beau Moulin Rouge 2008: An intensely fruity, unoaked red wine that is bursting with flavours of black cherry, blueberry and wild herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Holiday Sandals, at Marks & Spencers
Slip on style Contrast stitching Open toe Flat sole

Sony Cyber-shot™ DSC-W275 Digital Camera, at Mark's & Spencer
Pixels: 12.1 megapixels Zoom: 5x optical zoom lens, 31x smart zoom, 10x precision digital zoom Screen: 2.7 inches ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: H56.6 x W97.6 x D22.6mm Weight: 135g Weight with accessories: 164g Video: Motion JPEG and MPEG4 movie recording at approximately 30 frames per second PictBridge Enabled: Yes Jacks: Multi use Terminal with HD, USB 2.0 Hi-Speed Face Detection optimizes focus and exposure for clearer portraits HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV SteadyShot image stabilization reduces image blur during handheld shooting Fun in-camera retouching functions: image trim and red-eye correction Picture Motion Browser software simplifies image management, searches and viewing on PC Comes with a free camera case 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

2 Pairs of Frill Trim Assorted Tights, at Marks and Spencers
Stock up on stylish essentials with this pack of 2 assorted design tights

Classic Non Wired Support Bra, at Marks & Spencers
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Per Una Sleeveless Sketch Swirl Dress with Belt, at Mark's & Spencer
A beautiful V-neck dress with belt. The pleat detail makes it extra stylish

Autograph Satin Stitch Fitted Sheet, at Marks & Spencers
Plain Comes in Single (3ft), Double (4ft 6in), King Size (5ft) and Super King Size (6ft), Manufacturer: Marks & Spencer

Sleeveless Shadow Floral Print Dress with Bolero, at Marks and Spencers
Feminine and pretty, this sleeveless tie neck dress features a floral print and comes with a bolero. A fabulous fashionable look

Nostalgic Photo Great Grandad Birthday Card, at Marks and Spenser
Cover text: Have a truly Champion Birthday! Many Happy returns, Great Grandad Inside Message: With love Approx size: 215 mm x 150 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Baron de Pocé Sauvignon Blanc 2007 - Case of 12, at Marks & Spenser
Style: Dry, Medium bodied Grape Variety: Sauvignon Blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 12.5% Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blossom Tree Embroidered Quilt, at Marks & Spenser
L150 x W200cm Quilted Embroidered blossom tree design, Manufacturer: Marks & Spencer

Stainless Steel Apple Corer, at Mark & Spencers
Hanging loop This product is not available for international delivery. Find out more Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18, Manufacturer: Marks & Spencer

The Dangerous Book for Boys Paper Plane Birthday Card, at Marks and Spencers
Cover text: The Dangerous Book for Boys...Dangerous birthday plan: Reach for the sky!...World's best paper plane - dangerous blueprints inside Inside message: Have a dangerous birthday! Approx size: 150 x 150mm

Body Solutions Tummy Control Pencil Slip, at MarksandSpencer
Designed to enhance the look of your dresses, this tummy control slip gives a smooth silhouette so it can be worn conventionally

Pure Cotton Stripe T-Shirt & Shorts Set, at Mark's & Spencer
Soft and breathable, pure cotton shortie pyjamas are the natural choice for a comfortable night's sleep

Blue Harbour Drawstring Swim Shorts, at Marks and Spencer
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

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