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 MarksandSpencer 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 Tesco:

• 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.

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, 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 M+S 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 M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Ben 10™ Fluffy Dressing Gown, at Marks n Spencer
A must for fans of Ben 10, this soft fluffy dressing gown features the popular character

Ruby Single Wardrobe, at Marks and Spencer
H190 x W70 x D55cm 2 drawers Hanging rail and shelf Clean white finish Made from solid wood 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Airflex™ Leather Lace Up Shoes, at Marks & Spencer
Square toe Eyelets Lace up Stitch detail Block heel Unique Airflex™ airflow system for unbeatable comfort

4 Floral Detail Glass Coasters, at Marks and Spencers
Pack of 4 Floral Detail Square shape Solid glass, Manufacturer: Marks & Spencer

Tyrrell's Fifth Generation Classic Dry White 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape Variety: Semillon, Chardonnay, Verdelho, Traminer, Sauvignon Blanc Country of origin: Australia Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 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 Mock Layer Stripe Tank Top, at Marks and Spencer
Cute and comfy, this mock layered tank top is made from pure cotton and features a pirate and shark motif. A practical easycare style

Pocket Swiss Ball, at Marks & Spensers
This pocket size Swiss Ball book is jam packed with fun tips to help you improve how your body looks, feels and works, giving both your mind and body a good workout

Blue Harbour Luxury Plain Shirt with Silk, at Marks & Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Duvet Vacuum Storage Bag, at Marks and Spenser
Fits all duvet sizes Reduces the space needed for storage by up to 60% Works with a conventional vacuum cleaner Keeps your duvet clean Suitable for storing clothes, Manufacturer: Marks & Spencer

Ceriso Styled French Maid Stripe Underwired Bra, at Marks and Spencer
Feminine and fashionable, this modern bra is beautifully detailed with lace trim and rose feature. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

Boy Washing Line with Teddy New Baby Card, at Marks and Spenser
Cover text: Baby boy Congratulations Inside message: With love Approx size: Unfolded: 178 x 126mm

Ceriso Styled Floral Embroidered Shorts, at Marks and Spencer
Feminine and fashionable, these modern shorts feature intricate floral embroidery.The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Autograph Leather Double Front Pocket Hobo Bag, at Marks and Spencer
Luxurious and beautiful, this hobo bag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Quiche Selection, at Marks & Spencers
18 pieces Serves 9 Ready to eat Suitable for freezing 1kg As featured on page 20 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

Ultimate Non-Iron Pure Cotton Pleat Wing Collar Shirt, at Marks and Spencers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Collezione Classic Trim Leather Moccasin Shoes, at Marks & Spencer
Slip on Round toe Small square block heel Stitch detail

Small Kangaroo Soft Toy, at Marks & Spencers
Suitable for ages 0-3 years Approx 21cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

3 Pure Cotton Waffle Tea Towels, at Mark & Spencers
Set of 3 Assorted colours Waffle design, Manufacturer: Marks & Spencer

Utensil Pot, at MarksandSpencer
Plain Groove detail H20 x Diam 17.5cm, Manufacturer: Marks & Spencer

Autograph Copper Base 3-Tier Steamer, at Marks & Spencer
Stainless steel for maximum durability and shine Glass straining lid Riveted handles with silicone inserts for comfort and safety High performance copper base for even heat distribution Diam: 20cm Capacity: 3.8 litre Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

8-Piece Aurora Fish Knife & Fork Set, at Marks and Spencer
Includes 4 knives and 4 forks 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Panelled Cord Skirt, at Marks & Spencer
A sophisticated mid-calf length skirt in a soft cotton blend featuring a panelled design

Autograph Addison Display Unit, at Mark & Spencers
H179 x W120 x D35cm With 5 shelves Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Foot Survival Pack, at Marks and Spencer
For instantly comfier feet, whatever shoes you're wearing

Collezione Pure Wool Single Pleat Trousers, at Marks n Spencer
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

Côtes du Rhône Les Closiers 2007 - Case of 6, at Marks&Spencer
Grape variety: 65% Grenache, 35% syrah Country of origin: France Closure: Natural Cork Suitable for vegetarians and vegans 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

Cotton Rich Spot Print Scoop Neck Vest with Modal, at M+S
Pretty and feminine, this ribbed vest is made from soft cotton rich fabric for a comfortable night's sleep

XBOX 360® Crash of the Titans Game, at Marks & Spencers
For XBOX 360 Crash now has a powerful acrobatic fighting system Crash can now interact with his world in totally new ways 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, Platforms: Xbox 360, ESRB Rating: Kids to Adults

Côtes du Ventoux St Gabriel 2006 - Case of 12, at Marks and Spencers
Style: Dry, medium bodied Grape variety: Carignan, Grenache, Syrah Country of origin: France Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Older Girls' Pure Cotton Shopping Bag, at Marks and Spencer
Stylish girls need to keep all their essentials to hand, so this heart print shopping bag is a must have!

Besides Marks and Spencers Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Home 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 Mark's & Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Home Insurance and Standard Home 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.