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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days M & S, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

5 Cotton Lycra® Plain Shorts, at Marks and Spencer
These cotton shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Plain Flexilite Umbrella, at Marks & Spencer
Lightweight and easy to carry, this slimline umbrella is perfect for keeping at hand for effective protection from sudden downpours

Woven Silk Stripe Tie, at M & S
Add a luxurious finishing touch with this contemporary stripe tie in pure silk

Portfolio Open Collar Dress, at Marks and Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Barletta 2-Seater Sofa, at Mark's & Spencer
H85 x W200 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Includes 2 free matching bolsters All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

24 Fresh Fruit Tartlets, at Marks and Spencer
24 tartlets Serves 8 2 x 220g Suitable for vegetarians As featured on page 53 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

M&S Black Finish Flat Panel TV Stand up to 32'', at M&S
Supports flat panel LCD and plasma TVs up to 32" Clear tempered safety glass shelves Fits up to 4 audio video components and a center channel speaker Includes a cable management system to hide wires and interconnect cables Metallic black finish Scratch resistant, powder-coated steel framing Top shelf weight capacity: 45.3kg Lower shelves weight capacity: 22.7kg Overall dimensions: H76.2 xW81.3 x D46.7cm Top shelf dimensions: W81.3 x D33cm Middle shelf dimensions: H30.2 x W81.3 x D34.3cm Lower shelf dimensions: H30.2 x W81.3 x D40cm Boxed delivery - self-assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Metal Gem Bud Photo Frame 13 x 18cm (5 x 7"), at Marks and Spencers
Metal bud design Aperture 13 x 18cm (5 x 7 in), Manufacturer: Marks & Spencer

Petite Double Button Bootleg Trousers, at Mark & Spensers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit. Specially designed and perfectly proportioned for the petite frame

Artificial Teardrop Orchid in Mirror Glass Vase, at Marks & Spencer
Artificial orchid Oval shaped vase Height: 51cm, Manufacturer: Marks & Spencer

Bird Print Flexilite Umbrella, at Marks & Spencer
Brighten up rainy days with this stylish lightweight umbrella

Bubble Bullet Glass Vase, at Mark & Spencers
Bullet design Hand made Thick base Bubble base design H31cm, Manufacturer: Marks & Spencer

Autograph Essentials Vintage Rose High Leg Knickers, at Marks and Spencer
Elegant and feminine these flattering briefs feature rose design and bow detail. The modern high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Autograph Floral Diamanté Hat, at MarksandSpencer
Luxurious, fashionable and elegant, this feather and diamant trim hat is sure to turn heads at stylish summer events To receive your FREE hat box, simply click on the hat box below and add it to your basket

Die Cut Cross Christening Card, at Marks & Spencer
Cover text: On your christening Inside message: Blank for your own message Approx size: 178 x 126mm

Footglove™ Sporty Trouser Shoes, at M & S
Round toe Stitch detail Slip on Low wedge heel Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Collezione Pure Wool Single Pleat Stripe Trousers, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Champagne Flutes Engagement Card, at Marks & Spenser
Cover text: On Your Engagement Inside message: With Love Approx. size: 178 mm x 126 mm FSC: This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Artificial Cherry Blossom in Ceramic Vase, at Marks and Spencers
Artificial cherry blossom Ceramic oval pot Height: 80cm, Manufacturer: Marks & Spencer

Fudge the Dog Daddy Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Daddy Inside Message: With love x This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 176 x 126 mm

Perfect 3-Piece Aluminium Saucepan Set, at Mark & Spencers
Set contains 3 saucepans with lids Non stick aluminium Tempered glass lids for easy visibility Ergonomic handles for style and comfort Always use wooden or plastic utensils to prevent scratching the non stick surface, Manufacturer: Marks & Spencer

Rose Net Hold Ups, at Marks & Spenser
Treat your legs to a touch of style. These rose net hold ups have a durable reinforced design to keep them looking good, wear after wear

Per Una Assorted Button Longline Cardigan, at Marks n Spencer
A fashionable long sleeve cardigan in a soft cotton blend featuring front pockets and assorted button detail

Disney Winnie the Pooh Wrap Pack, at Marks & Spensers
2 sheets, 2 tags Each sheet: 495 x 695mm Tags: 80 x 55mm (folded) Disney

Ditsy Floral Stud Earrings, at Marks&Spencer
Butterfly clip fastening Floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Crocodile Derby Lace-Up Shoes, at Marks & Spencer
Luxurious and stylish, these leather shoes are part of our exclusive Autograph collection. Their superior quality, design and attention to detail make them modern classics

Maxim Large Mug, at Marks and Spencer
Height 12cm Pure white porcelain Suitable for everyday use, Manufacturer: Marks & Spencer

Signature Filled Glass Candle, at Marks and Spencer
One of these designer-inspired signature filled candles will look fantastic on your bedside table. A simple, tasteful addition to your decor in scented clove and orange, natural cotton or plum and rhubarb

His & Hers Pants - On Our Anniversary Card, at Marks & Spencers
Cover text: On our anniversary Inside message: With love Approx size: 176 x 126mm

TomTom GO 540 Live Satellite Navigation System with LIVE Services, at Marks and Spencers
Access TomTom LIVE services A real-time connection to the latest traffic information straight to your device. Automatic updates also provide real-time safety camera alerts, fuel prices, weather, and Google search for local shops and businesses. Updates are sent directly to the SIM card of your TomTom device - no need to activate anything or connect a mobile phone Maps: Full door to door maps of the UK & ROI are pre-loaded Display: 4.3" widescreen 16:9 format LCD (WQVGA: 480 x 272 pixels) LIVE Services: Your navigation experience got even smarter! You are connected to real-time information with premium services like HD Traffic, Safety Alerts, Local Search with Google and Fuel Prices so you always have access to useful and relevant information en route IQ Routes™ technology: Calculates your routes based on the real average speeds measured on roads. This will always provide you with the smartest route hour-by-hour, day-by-day, saving you time, money and fuel Voice command and control The latest in speech recognition technology lets you control your TomTom GO using voice commands. From planning a route to making a call, over 100 tasks are easily activated by voice, making your drive smoother and safe TomTom Map Share™ technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Latest map guarantee: Your device houses our best maps and our latest map guarantee makes you right up to date. If we release a new version of your device's map within 30 days of your purchase, you can download that map for free via TomTom HOME Active Dock: Gives you easy docking and charging to optimise your TomTom GO for daily use Plug & Go: No installation needed, works straight out of the box Battery: High quality lithium-polymer battery giving upto 3 hours autonomous battery life Sound: Echo cancellation and noise reduction give you excellent sound quality when calling hands-free. The high quality speaker Get voice instructions and enjoy songs and hands-free phone calls with remarkable sound quality at the volume that you want Extra Features: QuickGPSfix™, TomTom HOME desktop software, Bluetooth remote control (optional), 1GB internal flash memory and a microSD card socket compatible with microSD cards Dimensions: W127 x H85 x D23mm Weight: 224g 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 Please note: TomTom LIVE Services is a subscription service. A free 3 month trial is included TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

When you're shopping at Mark's & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from Marks & Spencer Money. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at M & S than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencer Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from Marks & Spencer Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencer Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."