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 Car 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; Car 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.

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

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

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

Florentyna Body Powder, at Marks & Spensers
Lightly dust over body after a bath or shower to leave skin feeling silky smooth and delicately fragranced 150g

Ceriso Essentials Embroidered Non-Padded DD-G Bra, at Marks and Spenser
Feminine and fashionable, this modern bra is beautifully detailed with floral embroidery. It's underwired and structured to give fuller busts great support and a flattering uplifted shape. Designed for women who want the latest look

Autograph Occasions Pure Silk Cape Bolero, at Marks & Spencers
Beautifully designed and luxurious, this semi sheer silk bolero features a layered design and a single button fastening. An exclusive, luxurious look from Autograph for your wedding day

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

Chunky Bead Collar Necklace, at Marks and Spencer
Clasp fastening Adjustable length Assorted chunky beads Necklace length 41cm, extendable by 8cm

Blue Harbour Linen Blend Check Shirt, at Marks & Spencer
Relaxed and stylish, this check shirt is made from a blend of linen and cotton so it feels cool and comfortable to wear

Classic Collection 3/4 Sleeve Cardigan, at Marks&Spencer
Soft and comfortable, this 3/4 length sleeve cardigan makes a versatile extra layer. Dress it up with smart skirts and trousers, or wear it with jeans for a casual modern look

Younger Boys' Lace-Up Lights Trainers, at Marks and Spencer
Round toe Mesh panel design Lace-up

Isis Body Spray, at Marks and Spencer
Scented body spray 100ml This product is not available for international delivery. Find out more

Rectangle Frame Amber Reading Glasses, at M & S
Rectangle lens Amber frame For near vision and reading use only Not suitable for persons under 16 years of age Marks and Spencer reading glasses conform to British Standard BS: EN 14 139:2002

Construction Set, at Marks & Spencers
Suitable for ages 3-6 years 5 construction vehicles Includes a die cast dumper truck, excavator, crane, bulldozer and a digger Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Girls' Limited Pure Cotton Sleeveless Button Top, at Marks and Spencer
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

The Floral Collection Moisture Rich Rose Handwash, at Marks & Spencers
Rose fragrance Moisture rich Handwash 250ml

M&S Wi-Fi Portable Splashproof Internet Radio, at Marks & Spencers
Easy access to over 1100 internet radio stations from around the globe Rechargeable NiMH battery pack Media streaming of MP3/WMA/Real Audio files from mac or PC Podcast and 'listen again' service compatible Connect to internet via built-in Wi-Fi Splashproof for bathroom and garden use Mains or 6 hour internal battery power Firmware upgrades via internet AUX-IN for MP3 player connection Compact remote control Frequency ranges: 802.11b/g. Band III 174-240 Mhz FM 87.5-108.5 Wi-Fi audio files format support: MP3, WMA, Real Audio, WAV, AIFF, AU and AAC-MPEG 4 Speaker: full range 2'' neodymium drive unit, 6 watt class D amplifier Connectors: 3.5mm headphone, 3.5mm AUX IN Presets: 5 internet radio, 10 FM radio presets LCD display: 2 x 16 character LCD display Power supply: 240V AC to 12V DC external power adaptor Dimensions: H167 x W103 x 97mm 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

Pure Linen Short Sleeve Embroidered Shirt, at Marks & Spencers
This short sleeved shirt will make a useful addition to your wardrobe. It features pretty floral embroidered details for a stylish casual look

Pure Cotton Retro Spot Pyjamas, at Marks & Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

3 Non-Iron Long Sleeve Shirts, at Marks&Spencer
This pack of 3 shirts is great value. A practical and convenient choice, they're easycare and non-iron to save you time. Elasticated cuffs are a feature on shirts up to age 8 to make it easier for young children to dress

Collezione Silk Blend Single Breasted Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Pure Wool Izmir Rug, at Mark's & Spencer
Made from New Zealand wool Traditional pattern Fringed design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Classic Collection 3/4 Sleeve Paisley Print Blouse, at Marks and Spencer
Feminine and pretty, this 3/4 sleeve paisley print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic Collection

Cotton Rich 2 Piece Bunny Dungaree Outfit, at Marks & Spencers
Fun and practical, this cute 2-piece dungaree outfit features embroidered detail. It's made from soft cotton to keep her comfy

Gold Burst Spots Roll Wrap, at M&S
Gold burst design 200 x 70cm

Autograph Open Face Date Watch, at Marks and Spencer
Stylish and contemporary, this analogue watch features a large time display with day indicator, fashionable and practical must-have

Per Una Pintuck Pocket Jacket, at Marks & Spencer
A sophisticated single breasted jacket with pocket detailing gives it the Per Una touch

Blue Harbour Cashmilon™ Mock V-Neck Jumper, at M & S
This soft and comfortable mock V-neck jumper is outstanding value and an essential part of any wardrobe

Patent Shopper Bag, at Marks and Spencer
Fashionable and practical, this shopper bag is a useful accessory with bags of style!

Pure Cotton Pintuck Jersy Bedset, at M&S
Pintuck detail Includes 1 duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

3 Heart Hair Bands, at Mark's & Spencer
Tie back those tresses in style with these colourful heart hair bands

Boys' Fun Icons Multipack of Cards, at Marks and Spencers
Cover text: Design 1: for you, Design 2: hi, Design 3: just to say Inside message: blank for your own message Pack contains: 8 cards, 3 designs Approx size: Design 1 & 2: 95 x 80mm, Design 3: 200 x 80mm

Travel Shoe Bag, at Marks and Spenser
Prevent scuffs and marks on your favourite shoes, by placing them in this funky shoe bag

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer Standard Car Insurance. With M&S Money you can keep the cost of your Car 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 Car Insurance cover from M&S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M & S, 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 Car Insurance from M&S Finance, you get more, and you pay less.