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.

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

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 & 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 Motor Insurance from M&S Money, you get more, and you pay less.

Moon Marble Bead Necklace, at Marks and Spencers
Marble shaped beads Moon effect Adjustable length Lobster claw fastening Necklace length 72cm, extendable by 8cm

Autograph Pure Cotton Satin Stripe Pillowcase, at Marks and Spencer
Stripe design Bordered trim Supima 400 threadcount Co-ordinate with Satin stitch black, cream, white plain dye sheets and pillowcases strokes T356490F,T356490S,T356940P, Manufacturer: Marks & Spencer

Older Boys' Limited Knitted Beanie Hat, at Marks & Spenser
Warm and comfy, this knitted beanie hat is ideal for chilly days

Chunky Tyler Sunglasses, at Marks & Spencers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Per Una Pure Linen Wide Leg Trousers, at M+S
Casual wide leg trousers in pure cool linen featuring a double button fastening

3 Piece Cotton Rich Animal Print Outfit, at Mark & Spencers
Fun and practical, this cute 3-piece outfit features animal print lining. It's made from soft cotton rich fabric to keep him comfy

M&S Pure Cotton Pull On Bucket Hat, at M&S
This colored hat is ideal for all your summer activities this season. Whether you find yourself at a festival, in the garden or at the beach the wide brim will keep you feeling cool and well protected

Pure Wool Broadway Rug, at M & S
Rectangular Indented cross pattern Small: L150 x W100cm Medium: L180 x W120cm, Manufacturer: Marks & Spencer

Recycled Cool Comfort Waist Slip, at Mark's & Spencer
This innovative slip is cling resistant and designed to keep you feeling cool, dry and comfortable. It's made with polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

Younger Girls' Long Sleeve Tatty Teddy Nightdress, at Marks and Spencers
A must for fans of Tatty Teddy, this nightdress features a motif of the popular character and a spot print

Bold Floral Wallpaper, at Marks and Spencer
Printed wallpaper Straight pattern repeat 53cm - The pattern runs horizontally and matches at the seam of each adjoining roll across the wall. Every roll will be the same at the ceiling Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Printed wallpaper is not washable - sponge cleaning only Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Baroque Jacquard Quilt, at Marks & Spensers
L250 x W265cm Jacquard print Quilted design Padded quilting Cotton rich, Manufacturer: Marks & Spencer

3D Rosebud Cushion - Pink, at Marks and Spencer
Square shape 3D rose appliqu design L43 x W43cm, Manufacturer: Marks & Spencer

The Floral Collection Magnolia Anti-Perspirant Roll-On, at M&S
50ml Magnolia fragrance Roll-on Alcohol free

Emerald Pleated Wave Bedcover, at Marks & Spencer
L250 x W265cm Pleated design, Manufacturer: Marks & Spencer

Blue Harbour Welt Pocket Straight Leg Chinos, at Mark & Spencers
Soft, luxurious cotton makes these the smartest chinos around. Perfect with a polo shirt at weekends, or a jacket at work.

Winchester 2 Seater Sofa, at Marks and Spenser
H94 x W150 x D100cm Seat H49cm, arm H62cm, top back rail H81cm Solid birch frame Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions made from polyester fibre Fabric options have reversible cushions Fixed covers only Solid birch feet with a dark finish Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more We will contact you personally to arrange a delivery date, once your order is ready, Manufacturer: Marks & Spencer

Hand Crafted Stitched Guitar Son Birthday Card, at Marks and Spencer
Cover Text: Happy birthday son Inside Message: Blank for your own message Approx size: 178 x 126mm

White Pearl Damask Large Wedding Photograph Album, at Marks and Spencer
Pack contains: 1 album, 500 glue dots, Gift box, 700Mb CD-R Approx size: Album: H290 x W290 x D45mm, Box: H295 x W295 x D55mm

Mother of Pearl Square Photo Frame 7.5 x 7.5cm (3 x 3"), at Mark & Spensers
Mother of pearl border Aperature: 7.5 x 7.5cm (3 x 3"), Manufacturer: Marks & Spencer

3 Piece Cosmetic Bag Set, at Marks & Spensers
3 piece set Assorted sizes Transparent Contrast trim

Flowers by Post - 22 White Fairtrade Roses, at Marks and Spencer
Simply exquisite, order these white Fairtrade Roses and they'll be carefully wrapped and delivered by first-class post. Flowers by Post is a great value way to spoil someone you know - or yourself Fairtrade Certified Flowers

Little Heart Necklace & Bracelet Set, at Marks & Spencers
2 part set Stretch bracelet and necklace Little heart design

Cashmilon™ Crew Neck Knitted Jumper, at Marks & Spencers
Fashionable and flattering, this knitted jumper is made from supersoft cashmilon™ and features a crew neck

North Coast Pure Cotton Straight Leg Jeans with Belt, at Marks and Spencers
Relaxed and comfortable, these pure cotton straight leg jeans give a fashionable casual look

My First Opposites Puzzles, at Marks & Spensers
Suitable for ages 0-3 years 22 pieces, 10 puzzles in total Hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Ingredients Shea Nut Bath Cream, at Marks and Spencers
Moisturising 500ml

My First Activity Cube, at Marks and Spenser
Promotes hand eye coordination Suitable for ages 0-3 years This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Luxury Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spenser
Offering a timeless appeal, the soft twill finish of this pure cotton shirt provides easy to wear comfort, while the traditional cut makes it an essential part of any smart wardrobe

Autograph Bone China Cereal Bowl, at Mark's & Spencer
Plain Diameter: 23cm, Manufacturer: Marks & Spencer

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.