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 Marks & Spencer 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, 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.

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 and Spencers 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, Sainsbury's, or Tesco 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.

Cecily's Garden Silhouette Floral Grandma Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Grandma Inside message: With love on your special day Approx size: 114 x 230mm

Silicone Pot Holder, at Marks and Spencer
L17.5 x W17.5cm Hole for hanging Can also be used to rest hot pans on Heat resistant to protect surfaces and pans from hot pots Embossed design, Manufacturer: Marks & Spencer

Ruby Teapot - Red, at Marks & Spencers
Suitable for everyday use Stripe design Detachable lid H15cm 6 cup capacity, Manufacturer: Marks & Spencer

Sweet Bergamot Pot Pourri Box, at Marks and Spenser
Sweet bergamot fragrance Presented in a box, Manufacturer: Marks & Spencer

Sony Bravia 40'' KDL-40EX1 HD Ready LCD TV, at Marks and 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: LCD Sony Bravia Engine 2 with a 40 inch viewable screen and a display resolution of 1920 x 1080 pixels Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 2: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 2 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 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 Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Hand Finished Metallic Floral Mother's Day Card, at M & S
Cover text: Mum Inside message: Happy Mother's Day Approx size: Unfolded: 150 x 150mm

Per Una Pure Cotton Double Breasted Funnel Neck Coat, at Marks and Spencers
A fashionable double breasted coat in pure soft cotton featuring a funnel neck

Petite Chevron Dart Straight Leg Trousers, at Marks & Spencer
Smart and stylish, these straight leg trousers make a great choice for work or formal occasions and they're machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

Lace Trim Midi Knickers, at Marks & Spencers
Characterised by a wonderfully flattering low leg, a lace design sets a smart tone for the soft, easy to care for comfort of these lovely midi briefs

50/50 Floral Ribbon Embroidered Bedset, at M&S
Floral ribbon embroidered Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Comes in single (3ft), double (4ft 6') and king size (6ft), Manufacturer: Marks & Spencer

3 Pairs of Spot Trainer Liner Socks, at Marks and Spencer
Comfy and practical, these socks are designed to hide neatly inside trainers

Autograph Copper Base Frying Pan, at Marks and Spencer
Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles with silicone inserts for comfort and safety Diam: 24cm Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Kapersky Internet Security 2009 1 User 1 Year License, at Marks and Spencer
Extended Protection: Two-way personal firewall; secure Wi-Fi and VPN connections, Application rules configured automatically, Security rating assigned to unknown applications, Access to users resources and data is restricted for unknown applications, Improved antispam protection Content Filtering: Parental control Data & Identity Theft Protection: Virtual keyboard for safe entry of logins and passwords, Prevents theft of data exchanged via secure connections (HTTPS / SSL), Disables links to phishing websites Essential Protection: Protects from viruses, Trojans and worms, Protects from spyware and adware, Scans files, email messages and Internet traffic, Protects instant messengers (ICQ, MSN), Proactive protection from unknown threats Preventive Protection: Scans operating system and installed applications for vulnerabilities, Disables links to malware sites Usability: Automatic configuration, Wizards for common tasks, Automatic or interactive mode, Round-the-clock technical support, Automatic database updates, Global threat monitoring (Kaspersky Security Network) Advanced Protection & Recovery: Program can be installed on infected computers, Self-protection from malware, Restores correct system settings after removing malicious software Suitable for 1 user for 1 year

Limited Collection Turn-Up Cropped Trousers, at Marks & Spenser
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

3/4 Sleeve Ruched V-Neck Jumper, at Mark & Spensers
Modern and stylish, this 3/4 sleeve jumper is a wardrobe essential

Oval Beads Stretch Bracelet, at Marks & Spencer
Chunky style Oval beads

Sunflower Jug, at Marks&Spencer
A bold and beautiful display of 10 cheery sunflowers interspersed with wisps of panicum grass and arranged in an attractive, country-style galvanised jug Available for delivery from 1st July to 30th September 2009

Orvieto Single Estate 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Mixed White Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Square Neck Abstract Print Top, at Marks and Spencer
This fab short sleeve top features a stunning abstract print. A sophisticated new look, perfect for this season

True Red Eau De Toilette Purse Spray 25ml, at Marks&Spencer
25ml eau de toilette This product is not available for international delivery. Find out more

Nail Polish Remover Pads, at Marks and Spencer
Pack of 6 Non acetone formulation can be on either natural or With conditioning glycerine to help prevent nails drying Ideal for travel or carrying in your handbag

White Ceramic Collection Soap Dish, at M&S
Plain Oval shape L13 x W9cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Pocket Top, at M&S
This short sleeved top will make a useful addition to your wardrobe. It features a classic collar for a stylish casual look

Pure Stripe Mug, at Marks & Spenser
Stripe design H10cm, Manufacturer: Marks & Spencer

PlayStation®3 Sonic the Hedgehog Game, at Mark & Spencers
3 playable characters Run through stages with Sonic's trademark speed 10 action packed stages Customise and personalise your abilities Multiplayer modes Suitable for 12 years and over 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Autograph Pure Cotton Short Sleeve Polo Shirt, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

2 Classic Underwired Bra, at Marks & Spencer
Soft and comfortable Feminine and prettY Smooth and versatile, this pack of 2 underwired bras are great value. They're designed to give gentle support and a flattering fit

Long Sleeve Mock Layer Stripe Top, at Marks and Spencer
Want style and comfort? Brushed cotton gives this fashionable top an irresistibly soft touch

2 Glitter Hair Clips, at Marks and Spencer
Dress up those tresses in fabulous style with these stylish glitter design hair clips

Collezione Leather Washbag, at Marks and Spencer
Stylish and practical, this washbag is a well designed travel essential

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 House 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 and Spencers, 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.