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 Household 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 Household 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 and Spencers are so useful. M&S Money financial products are, of course, designed to make Marks and Spenser 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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

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

Artificial Orchid in Round Mirror Vase, at Marks & Spencer
Round vase Mirrored design with clear centre Artificial orchid stem H36 x Diam 30cm, Manufacturer: Marks & Spencer

Autograph Essentials Vintage Rose Embroidered Thong, at Marks and Spenser
Elegant and feminine this modern thong features rose embroidered details. The modern, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Lego Fire Truck Toy, at Marks & Spencers
Suitable for ages 5+ This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Pintuck Top, at Marks and Spencer
Bring some casual elegance to your wardrobe, with this short sleeve top, that features a frill placket at the neckline giving it an extra stylish twist

2 Piece Pure Cotton Yee Ha Dungaree Outfit, at Marks and Spencers
Fun and practical, this cute 2 piece dungaree outfit features a cowboy motif and slogan. It's made from pure soft cotton to keep him comfy

2 Pure Cotton Assorted Tops, at Marks & Spencer
Cute and practical, this pack of two tops is outstanding value. The soft cotton fabric will keep her happy and comfy

2 Pure Cotton Assorted Sleepsuits & Socks, at Mark & Spensers
Cute and snuggly, these sleepsuits feature animal motifs and a slogan. The soft cotton fabric is perfect for comfy sleep

Ultimate Non-Iron Royal Oxford Short Sleeve Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

5 Pairs of Assorted Stripe & Block Socks, at Marks & Spencers
Comfortable, practical and fashionable, this 5 pack of socks makes a great way to stock up on style

Stainless Steel Meat Prong, at Marks & Spencer
Loop in the handle for hanging Stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Laser Cut Happy Birthday Text, at Marks and Spencer
Cover text: Happy Birthday Inside message: Happy Birthday Approx size: 150 x 150mm

Mini Limited Cotton Rich Skinny Jeans with Belt, at Marks & Spencers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering.

Los Molles Carménère 2007 - Case of 6, at M+S
Style: Medium bodied Grape variety: Carmenere Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Stripe Cropped Pyjamas, at Marks and Spencers
Pretty and feminine, these stripe cropped pyjamas are made from soft breathable cotton for a comfortable night's sleep

Stainless Steel Skimmer, at Marks & Spensers
Hanging loop Stainless steel design Slotted, Manufacturer: Marks & Spencer

Older Boys' Lace Up Ghillie Trainers, at Marks n Spencer
Round toe Lace-up fastening Contrast sitch detail Stud feature Flat sole

Medium Value Soft Leaf Print Rollercase, at Mark's & Spencer
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

Boneless Leg of Lamb with Rosemary & Garlic Butter, at Marks & Spencer
Serves 6-8 Ready to cook Suitable for freezing 1.6kg As featured on page 36 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

Limited Collection Etched Floral Bikini Knickers, at Marks and Spencers
Fabulous and modern, these comfortable bikinis are part of our Limited Collection lingerie. They're made from soft soft stretchy fabric, and the low rise style is perfect for wearing with hipsters. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Sonoma Triple Wardrobe, at Marks & Spencer
H200 x W130 x D65cm With 1 hanging rail 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen Delivered flatpack due to size 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 Click here to view the internal layout of this furniture This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio Basket Weave Dress with Belt, at Marks and Spencer
Pretty and feminine, this dress features a belt at the waist to define your figure. A fabulous, flattering look

2 Cotton Rich Woven Stripe Nursing Bras, at Marks & Spensers
Crafted from pure cotton to provide the essential comfort you need during and after your pregnancy. Wide adjustable straps and added stretch create a flattering shape while offering gentle support

Blue Harbour Pure Linen Chinos, at Marks & Spencer
Stylish, fresh and comfortable, these smart casual chinos are made from pure cool linen

In Bloom Honeysuckle & Jasmine Moisture Rich Body Wash, at Marks and Spencer
Body wash Moisturising 225ml This product is not available for international delivery. Find out more

Cotton Rich Double Button Skinny Jeans, at Marks & Spencers
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Autograph Milan Soap Dish, at Marks and Spencer
Dipped centre Wall mounted Approx size: W10.6 x L7 x D1.3cm, Manufacturer: Marks & Spencer

Portfolio Scoop Neck Plain Top, at Marks and Spenser
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Sun Formula Airbrush Propellant, at Marks & Spencer
For use with airbrush self-tan 300ml This product is not available for international delivery. Find out more

Large Tear Drop Glass Vase, at Mark's & Spencer
Narrow neck Teardrop design Mirrored effect Narrow base Hand made, Manufacturer: Marks & Spencer

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