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.

Besides Marks & Spencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Buildings & Contents Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencer purchases are also protected while you take them home.

Also, on both M&S Money Premier Buildings & Contents Insurance and Standard Buildings & Contents Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

There are lots of ways to save money using M&S Money. Not least of these is M & S 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, you get more, and you pay less.

Cut Flowers Scented Filled Candle, at Mark & Spensers
Cut flowers scented Glass holder Frosted glass design, Manufacturer: Marks & Spencer

T397718, at M & S
Manufacturer: Marks & Spencer

2 Cotton Rich Cropped Leggings, at Mark & Spensers
Stock up on essentials for less! This great value pack of 2 cropped leggings is comfortable, practical, fashionable and easycare

Andante Square Dinner Plate, at Marks and Spencer
Ideal for everyday use, durable Square edge design Plain, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Straight Leg Chinos, at M&S
A stylish smart casual look, these straight leg chinos are made from soft cotton and designed for a fashionable and comfortable relaxed fit

10 Party Time Drinks Invitations, at Marks and Spencer
Cover text: Party time! Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Per Una 3/4 Sleeve Dandelion Cardigan, at M & S
A casual 3/4 sleeve cardigan featuring a floral and bead embellishment on the neckline and large 3 button fastening

Classic Selection Platter, at Marks & Spencer
30 quarters Serves 6-8 Ready to eat 5 different sandwich fillings As featured on page 6 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Sony RDR-HXD995 250GB HDD DVD Recorder & Set Top Box, at M+S
250GB capacity for a max recording of 710 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner BRAVIA Sync HDMI output with 1080p upscaling USB Port for Digital Camera USB Port for PictBridge Printer Electronic Programme Guide (8 Day on digital) i.LINK (DV) input for Camcorder Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product 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

Per Una Floral Shadow Bikini Bottoms, at Marks and Spenser
A colourful bikini featuring floral shadow design. Give your look the Per Una twist

Fairtrade Organic Cotton Tiger Romper & Hat, at Marks n Spencer
Look below to see a video clip about Fairtrade This cute romper is made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Limited Collection Single Breasted Bound Edge Jacket, at Marks and Spencer
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Formal Square Buckle Leather Belt, at MarksandSpencer
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Per Una 3/4 Sleeve Knitted Top with Scarf, at Marks and Spencer
A relaxed 3/4 sleeve knitted top featuring a thin frill neckline detail and matching scarf

Sterling Silver Mother of Pearl Ring, at Marks and Spencer
Broad design Mother of Pearl feature

Bare Cooling Slip Resist 7 Denier Tights, at Marks and Spenser
These clever 7 denier tights are so sheer that it's almost as if you're not wearing tights at all. They're uniquely designed to release cooling bubbles as you move, leaving you feeling fresh all day. Silicon bands keep them from slipping out of place

Per Una Eau De Toilette Limited Edition Purse Spray, at Marks & Spencers
Clear bottle with Per Una floral print Floral and fruity fragrance 25ml This product is not available for international delivery. Find out more

T345623S, at Marks & Spenser
Manufacturer: Marks & Spencer

Pure Merino Wool Mock Layer Jumper, at Marks & 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

Formula Skincare For Men Eye Reviver, at Mark & Spensers
Firms Moisturises Fragrance free 15ml

Dressing up Butterfly Age 3 Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. Approx size: 150 x 150mm

Floral Cosmetic Purse, at Marks & Spencer
Matching mirror Floral detail

Floral Pendant Necklace, at Marks and Spencer
Clasp fastening 3 strand necklace Mixed bead design Floral pendant Necklace length: 41cm, extendable by 8cm

Pile of Presents Sister Card, at Marks & Spencer
Cover Text: Gorgeous gifts for a glamorous sister Inside: Blank for your own message Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Luxury Mattress - Firm, at Mark & Spensers
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Spring count: 2200 Independently pocketed springs in two layers Lambs wool, cotton and loose hair filling Cotton-felt provides a soft-surface with wool holds fillings in place Hand-stitched sides support mattress wall and extend sleeping area Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Per Una Cap Sleeve Stripe Top, at Marks & Spencers
A fashionable mandarian collar top. Curved neckline gives it Per Una touch

Formula Age Restructure™ Contouring Neck Cream & Calcium Complex, at M & S
Calcium complex to firm and improve the structure of the sagging skin Collageneer a lupin extract to strengthen and improve skin elasticity Ovaliss ™ to contour the double chin effect and Pullulan to immediately tighten and Creatine to energise boosting fatigued skin Suitable for all skin types Hypoallergenic 50ml This product is not available for international delivery. Find out more

AUTO DELIVERY - MCS FEB INTRO WHT, at Marks and Spenser
This product is not available for international delivery. Find out more

Dainty Handbag Large Gift Bag, at Marks and Spencer
1 gift bag Approx size: H270 x W360 x D100 mm

Pure Evoke 1S Luxury DAB & FM Portable Radio, at Marks n Spencer
Program up to 30 DAB or FM station presets Organic LED display for superior contrast and improved readability from any angle Scrolling text can be paused or stored for browsing at a later date RDS for FM station name display and RDS scrolling text Connect an iPod or MiniDisc and play it directly through the EVOKE-1S speaker Light sensor adjusts the display brightness to suit the ambient light in your room Dedicated kitchen timer button, ideal for timing your eggs to perfection Add new features as they become available via USB Environmentally friendly - standby power consumption of less than 1W and made from 70% recycled material 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

M&S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor 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 n Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tescos Direct:

• 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 Motor 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.