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

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 and 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 Direct, you get more, and you pay less.

Photo Frame with Mount 20 x 25cm (8 x 10"), at Marks & Spensers
Plain photoframe Removeable mount card Aperture: 8 x 10'' H38 x W33cm, Manufacturer: Marks & Spencer

Meccano Road Monsters Mini Buggy, at Marks & Spencer
Suitable for ages 3+ Imaginative play 2 fun models to build and play with Over 50 parts Tools included This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Leather Beaded Sandals, at Marks & Spenser
Open toe Gladiator design Beaded feature Buckle fastening Flat sole

Autograph Essentials Rose Embroidered Non-Padded Balcony Bra, at Marks and Spencers
Glamorous and sophisticated, this elegant bra is made from soft fabric trimmed with fine lace. The flattering balcony style gives maximum uplift and a fuller shape. Beautiful exclusive lingerie

Chunky Mixed Bead Necklace, at M&S
Rope necklace Chunky mixed beads Clasp fastening Necklace length: 97cm

Pure Cotton Waffle Dressing Gown, at Marks & Spencers
Pretty and feminine, this dressing gown is made from pure cotton. Relax in style and comfort

Beaded Rope Necklace & Earring Set, at Mark & Spencers
2 part set Mixed beads Drop earrings with hook fastening Rope design necklace with clasp fastening and adjustable length Necklace length: 102cm, extendable by 8cm

40th Birthday Cocktail Card, at Marks and Spencer
Cover Text: fabulously 40 Inside Message: happy birthday Approx size: 125 x 177mm

Panasonic DMP BD60 Blu-ray Disc™ Player, at M&S
PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs Accessories: Remote control Dimensions: 43 x 4.9 x 24.9cm

Nutcracker, at Marks and Spencers
Metallic finish Hinged, Manufacturer: Marks & Spencer

Cotton Square Panel Shade, at Marks & Spencer
Angled flat sides Fitted with reversible carrier to allow use as a pendant or table lamp shade Fits to your existing bulbholder No wiring necessary H30 x W31 x Depth 31cm Bulb: 100W GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Philips 5000 series 47" Full HD 1080p LCD TV, at Marks & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 47 inch LCD Full HD W-UXGA Act. matrix Screen enhancement Anti-Reflection coated screen Audio: Nicam Stereo, Incredible Surround, Treble and Bass Control Connectors: HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0, Audio L/R, CVBS in, RGB, YPbPr, Audio L/R in, Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Child Protection: Child Lock+Parental Control Ease of Installation: Auto Programme Naming, Automatic Channel Install (ACI), Automatic Tuning System (ATS), Autostore, Fine Tuning, PLL Digital Tuning, Plug and Play Ease of Use: Auto Volume Leveller (AVL), Delta Volume per preset, Programme List, Settings assistant Wizard, One-stop Home button, Favourite programme selection Power consumption: 250 W Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries Dimensions: H71 x W115 x D9cm (without stand) H77 x W115 x D30cm (with stand) Weight: 22.1kg (without stand) 26.1kg (with stand) Use wall mount T042104 to perfectly mount this TV 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

Pleated Spot Print Scoop Neck Jersey Top, at Marks & Spencer
This pleated scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Silver-Plated Photoframe 20 x 25cm (8 x 10''), at M+S
Rectangle shape Ridge design Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

Perfect 7 Pairs of FreshFeet Contrast Socks with Silver Technology, at Marks and Spencers
The original and best. The silver technology in these socks keeps them fresh and odour-free for the lifetime of the sock (which is quite a while, thanks to their reinforced heel and toe)

Pure Cotton Belted Cargo Trousers, at Marks & Spenser
Casual and relaxed, these stylish pure cotton cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Mirrored Sink Unit, at Marks & Spencer
H80 x W59 x D42cm Sink and tap sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Care & Cleaning - Wipe with a soft, clean cloth This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich Thermal Opaque Tights with Wool, at Marks and Spencer
These cotton rich thermal tights will keep you feeling warm during the cold months. Added stretch gives a great fit and shape retention

Watercolour Floral 80th Birthday Card, at Marks & Spencer
Cover text: Happy 80th Birthday Inside message: Congratulations on your special day Approx size: 150 x 150mm

Traditional Shed 80th Birthday Card, at Marks and Spencer
Cover text: 80, Happy Birthday Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Petite Single Breasted 3 Button Ribbed Jacket, at Marks & Spencers
Fashionable and modern, this tailored single breasted jacket features ribbed detail. A smart and stylish choice. Specially designed and perfectly proportioned for the petite frame

Pure Cotton Henley Neck Stripe Top, at Mark's & Spencer
Soft and comfortable, this cotton pyjama top can be worn with a number of our pyjama bottoms and shorts to create your own style

Pure Merino Wool Mock Layer Jumper, at Marks and Spencer
Smart and stylish, this mock layer jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

Cotton Rich Velour Bootleg Joggers, at Marks & Spencers
Flattering and practical, these comfy joggers are made from soft velour. An easycare essential with a stylish look.

Cotton Rich Padded Bra, at Marks & Spencer
Modern and stylish, this soft stretch cotton rich bra is perfectly smooth, so there are no visible outlines under clothes. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Floral Bouquet Gift Card, at Marks & Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Older Girls' Star Print Ruck Sack, at Marks & Spencer
Fashionable and practical, this ruck sack features a stunning star print design. It's easy to carry and there's lots of room for all the essentials

Classic Ceramic Toilet Brush, at Marks & Spencer
Ceramic base Chrome handle H36 x D10cm, Manufacturer: Marks & Spencer

Enamel Diamanté Photo Frame 25 x 20cm (8 x 10"), at Marks n Spencer
Diamant flower detail Metallic trim Aperature 20 x 25cm (8 x 10 in), Manufacturer: Marks & Spencer

Top Hat and Tiara Wedding Card, at Marks & Spencer
Cover message: Bride and Groom Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx. size: 230 x 114mm

M+S may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Motor Insurance, but Marks & Spencers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M+S Money website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or House Insurance - besides a number of other insurance products, M+S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M+S Money insurance products (House Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spencer insurance products in document format too.