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 Property 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 Property 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 Marks&Spencer 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 Motor Insurance, M&S Property 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 and Spencer 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 & Spencers, 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 Direct, you get more, and you pay less.

Blue Harbour Funnel Neck Fleece Jacket, at Marks & Spenser
Relaxed and cosy, this long sleeve fleece jacket makes a warm and comfortable extra layer

DeLonghi EC270 Pump Espresso & Cappuccino Machine, at Mark's & Spencer
High performance 15 bar pump pressure - ensures best tasting espresso and cappuccino with no limit to the number of cups produced Traditional stainless steel cappuccino milk frother Professional 2 in 1 filter holder suitable for ground coffee or ESE pods Cappuccino System - it mixes steam, air and milk producing a rich, creamy froth for a great cappuccino 3 different buttons: on/off, coffee and cappuccino Separate coffee and steam boiler thermostats for faster use and optimum temperature control Adjustable steam emission Incorporated crema device Self-priming system means machine is always ready to use Removable 1 litre water tank Stainless Steel removable drip tray Measuring spoon Includes free Illy Pods Stylish retro design Built to accommodate either a full sized cappuccino cup or 2 espresso coffee cups Cup warmer Easy to use 3 button operation 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 Mosaic Seat Pads, at Marks and Spencers
Set of 2 Seat pads for Mosaic stackable chairs Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sun Formula Protect & Refine Sun Lotion, at Marks & Spencers
Helps to prevent the signs of aging Firming and toning Skin refining 12 hour moisturisation Australian formula SPF25 gives up to 25 times your natural skins protection 125ml This product is not available for international delivery. Find out more

Autograph Essentials Sleeveless Jersey Dress, at Marks & Spencer
Beautifully designed and luxurious, this exclusive wrap dress is detailed with rouched sleeve. A stunningly glamorous style statement, perfect for elegant occasions

Coin Detail Straw Holiday Bag, at Marks & Spensers
Stylish and useful, this shopping bag features a straw design. A practical and fashionable accessory

3 Crew Neck Short Sleeve Vests, at M&S
Keep warm and cosy with these comfortable vests, made in cool and breathable cotton. A great value set that's essential in the colder months

Pile Of Presents Thank You Card, at Marks & Spencer
Cover text: Thank you Inside message: Blank for your own message Approx size: 150 x 150mm

Portfolio Pure Linen Parisienne Skirt, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Easy Aussie Whites - Case of 12, at Marks & Spencer
Lost Sheep Chardonnay 2008: A wonderfully fruity Australian Chardonnay, relatively light in style with fresh, succulent flavours... Australian Chardonnay 2008: This is a ripe, fruity, golden-hued Australian Chardonnay with fresh flavours of pineapple and yellow plum and a soft, buttery richness... Burra Brook Sauvignon Blanc 2008: A fresh, aromatic dry white which has the distinctive crisp flavour of Sauvignon Blanc... Pheasant Gully Chardonnay Semillion 2007: A fresh and zesty wine with fruity flavours of lemon and oranges and a richer creamy note... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Younger Boys Pure Cotton Plain Vests, at Marks n Spencer
Comfortable, practical and fashionable, this 5 pack of vests is made from soft breathable cotton

Pure Cotton Short Sleeve Graphic T-Shirt, at Marks and Spenser
Chic and modern, this short sleeve t-shirt is made from cool comfortable cotton and features a graphic print

Metal Rim Tinted Sunglasses, at Mark's & Spencer
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Zebra Print Border Crook Umbrella, at Marks & Spenser
Brighten up rainy days with this stylish lightweight umbrella

Crackle Ceramic Table Lamp, at Marks & Spencer
Cracked effect Fabric shade Diam 23.5 x H33cm Bulb: GLS 822 60W & energy saving equivalent This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

New Lace Shorts, at Marks and Spencer
These pretty lace shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Anti Mist Sports Sunglasses, at Marks and Spencers
Practical and fashionable, these wraparound sunglasses are designed in a flattering modern style

Cotton Blend Drawstring Joggers, at MarksandSpencer
Relaxed and comfortable, these easycare joggers are made from cotton blend stretch fabric for ease of movement and great shape retention

2 Pure Cotton Assorted Tops, at Marks & Spencer
Cute and practical, this pack of 2 tops is outstanding value. The soft cotton fabric will keep him feeling comfy

Pure Cotton Boat Neck Stripe Top, at M+S
Smart and stylish, this boat neck top is made from cool comfortable cotton and features a stripe design.

Coupe Mug, at Marks & Spenser
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain H10cm, Manufacturer: Marks & Spencer

Per Una Short Sleeve Eccentric Lace Top Set, at Marks and Spenser
An elegant eccentric print lace top in soft stretch fabric featuring a camisole and necklace

Multi Strand Twist Necklace, at Marks and Spencers
Clasp fastening Adjustable length Multi strand style Twist design Assorted beads Necklace length 49cm, extendable by 8cm

Earth Spa Soothing Flower Milk Bath, at Mark & Spencers
250ml With elements from around the globe to restore, replenish and pamper With jasmine, lotus flowermilk ans essential oils of bergamont Rose & orange flower to moisturise and relax

Ellipse Collection - Table Lamp, at Mark's & Spencer
Suede shade Ellipse stand Rectangular base 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 , Manufacturer: Marks & Spencer

2 Cotton Rich Cropped Leggings, at Marks & Spenser
Fun and fashionable, these cotton rich leggings are outstanding value!

4 Terrace Mugs, at Marks & Spencers
H11cm Set of 4 Pure white porcelain Suitable for everyday use, Manufacturer: Marks & Spencer

Golf Lite Umbrella, at Marks & Spencer
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Autograph Luxury Leather Shoulder Bag, at Marks & Spenser
Stylish and contemporary, this luxury leather bag features an adjustable shoulder strap

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

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