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 & Contents 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 & Contents 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 & 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 Buildings & Contents 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&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.

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 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Sun Formula Self Tan Body Applicator Mitt, at Marks and Spencer
Self-tan products will glide over your body with the smooth side of the mitt to give an even, streak free application Whether your choice is cream, lotion, mousse or spray, the mitt will produce great results time after time The mitt provides a water-resistant barrier to protect your hands from possible staining This product is not available for international delivery. Find out more

Blue Harbour Cotton Rich Straight Leg Jeans, at Marks & Spenser
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Helenka Lace Vest, at Marks and Spencers
Feel oh-so-pretty from the inside out. Lace is everywhere this season, so why not wear it next to your skin?

Short Sleeve Roll Neck Top, at MarksandSpencer
Chic and modern, this roll neck top is made from softly draping stretch viscose for a fluid look. The stripe design adds a fashionable finishing touch

Pure Cotton Long Sleeve Mr Bump Hooded Top, at Marks & Spenser
Fans of Mr Men will love this hooded top featuring the Mr Bump. A practical, easycare style

Garmin® nüvi® 1340 Satellite Navigation System, at Marks and Spenser
Maps: Preloaded with street maps for Western Europe, including the UK and Ireland Directions: Lane Assist to show you to the correct lane for upcoming junctions Display: 9.7 x 5.7cm, 480 x 272 pixels Display type: WQVGA color TFT with white backlight Accepts data cards: microSD™ card (not included) Battery life: up to 4 hours Battery Rechargeable lithium-ion Dimensions: W12.2 x H7.5 x D1.6cm Weight: 161.6g Compatible with Windows 2000 or later and Mac OS X 10.4 or later Only 15mm thick ideal for use in and out of the car Premium, subscription-free traffic alerts Public Transport & Pedestrian mode with optional cityXplorer™ download New optional AA City Guides for restaurant listings, attractions and more Garmin's unique speed camera warnings (database updated daily)

Handmade Character 30th Card, at Mark & Spencers
Cover text: You're 30 Inside message: Happy Birthday! 178 x 125mm

Platinum Plated Diamanté Detail Floral Earrings, at Marks & Spensers
Hook fastening Floral design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

2 Pairs of Cotton Blend Knee High Socks, at Mark & Spencers
These cotton blend knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Limited Collection Dogtooth Design Cardigan, at MarksandSpencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Girls' Limited Ruffle Skirt & Leggings Set, at Mark & Spencers
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Blue Harbour Pure Cotton Stripe Polo Shirt, at M&S
Smart and casual, this stripe polo shirt is made from pure cotton, so it's soft, breathable and comfortable to wear

Blue Harbour Cotton Rich Denim Jeans, at M&S
Relaxed and casual, these cotton rich jeans are made with stretch for comfort and ease of movement

Collezione Luxury Linen Blend Flat Front Trousers, at Marks & Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Pure Cotton Long Sleeve Mock Layer Hooded Top, at Marks and Spencer
Soft and comfy, this long sleeve mock layered hooded top is made from pure cotton and features a 'mischief' motif. A fashionable easycare style

Classic Collection Wool Rich Mouflon Coat, at Marks & Spencer
Wrap up in style! This warm, soft coat in wool-rich mouflon will keep you feeling cosy and looking chic. Lined and smartly finished with side pockets, it's the perfect blend of fashion and comfort

36 Indian Selection with a Tomato & Chilli Dip, at Marks and Spencer
Contains 36 pieces Serves 8 Ready to cook Suitable for freezing Suitable for vegetarians 880g As featured on page 15 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

Tiga Side Table, at Marks n Spencer
H45 x W46 x D46cm Cube design Made from sheesam wood Finished with a protective matt lacquer for added durability Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

Zebra Mannequin Jewellery Holder, at Marks and Spencer
Mannequin design Multiple hooks H18"

Bright Flowers 30th Card, at M&S
Cover text: 30 Happy Birthday Inner message: Blank for your own message Approx size: 178 x 125mm

Parisian Chic Desk Calendar, at Mark & Spencers
Approx. size: 155 x 180mm

Hand Made House New Home Card, at Marks and Spenser
Cover text: A new home! Inside message: Blank for your own message Approx size: 175 mm x 127 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Large Square Jewellery Box, at Marks and Spencers
3 drawers Square design

Pure Silk Plain Tie with Stain Defence™, at M & S
This silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Pocket Size Sticker Book, at Marks and Spencer
This pocket sized book will keep them busy as they look for an incredible 1000 stickers inside! Locate the 1000 stickers and fit into the right slots on various different themes

Blue Harbour Cotton Rich Zip Fastening Hoodie, at Marks and Spenser
A casual essential, this cotton rich hoodie is extremely comfortable and can be worn layered for a contemporary look

Cotton Rich Straight Leg Jeans, at Marks and Spencer
Simple and stylish, straight leg jeans are a modern classic. This pair sits on the waist and are cut to give a sleek flattering shape that's always in style. Added stretch gives the perfect fit and adds a fashionable update

Limited Collection Bow Clutch Bag, at Marks & Spencers
Fashionable and fabulous, this bow clutch bag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Autograph Pomegranate Infusion Sticks, at Marks and Spencer
Pomegranate scented Long lasting infusion sticks, Manufacturer: Marks & Spencer

Blossom Tree Embroidered Pillowcase, at Marks and Spencer
Fits standard pillows Embroidered blossom tree design Frill detail, Manufacturer: Marks & Spencer

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, you get more, and you pay less.