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 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 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 Mark & 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.

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 MarksandSpencer are so useful. M+S Money financial products are, of course, designed to make Marks & Spensers 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.

Beefwood Cabernet Sauvignon 2005 - Case of 6, at MarksandSpencer
Style: Full bodied Grape variety: Cabernet Sauvignon Country of origin: South Africa Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Classic Collection V-Neck Knitted Cardigan, at Mark & Spensers
Soft and comfortable, this knitted cardigan makes a versatile extra layer. Dress it up with smart skirts and trousers, or wear it with jeans for a casual modern look

Double Layer Longline Jersey Tunic, at Marks and Spenser
This fab double layered longer length tunic is a style essential this season. An great match for slim cut trousers or jeans

Toy Torch, at Marks and Spencer
Plastic Wide handle Bulb and LED lights Battery operated Suitable for ages 3-6 years H21 x L25 x W12cm, Manufacturer: Marks & Spencer

Autograph Berry Damask Pillowcase, at Marks and Spencer
Damask print Pure Cotton, Manufacturer: Marks & Spencer

Medium Jungle Monkey, at M+S
Suitable for ages 0-3yrs H23cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Body Solutions Smooth Multiway Camisole, at Mark & Spencers
Cool and comfortable, this modern camisole is made from soft fabric with added stretch for a great fit

Leather Case for ARCHOS 605 80GB & 160GB, at Marks & Spencer
Leather protective case Case allows access to all buttons Easily watch your videos with the convenient stand position Convenient belt clip ARCHOS player not included Suitable for the ARCHOS 605 80GB & 160GB 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

Classic Collection Seersucker Stripe Straight Leg Trousers, at Marks & Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

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

Autograph Plain Tie, at M+S
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

Hungarian Sauvignon Blanc 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Hungary Closure: Natural cork Suitable for vegetarians 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

Suede Deck Shoes, at Marks & Spensers
Round toe Slip on Flat sole

Hamilton 2 Seater Sofa, at Marks&Spencer
H95 x W202 x D99cm Seat H49cm, arm H66cm, top back rail H73cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Cushions are reversible on fabric upholstery options Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Kraft Text Medium Gift Bag, at Mark & Spencers
1 gift bag Approx size: H260 x W200 x D90mm

Natural Beauty Bath & Body Oil, at Marks & Spencer
Naturally fragranced 100ml

Classic Collection Floral Embroidered Nightdress, at Marks n Spencer
Fresh and feminine, this nightdress is comfortable to sleep in and features a pretty embroidered floral design

Collezione Luxury Wool Single Pleat Trousers, at Marks & Spencer
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Autograph Pure Cotton Henley Neck Top, at Marks and Spenser
Casual and contemporary, this short sleeve top is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Woven Silk Multi Stripe Tie with Stain Defence™, at Marks and Spencers
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Widefit Almond Toe Court Shoes, at Marks and Spenser
Almond toe Slip-on Lined Heel height 64mm Comes in sizes 3-8, including half sizes

Stainless Steel Steamer, at Marks & Spensers
Diam 20cm. 2.8 litre capacity 3 tiered Glass lid Riveted handles, Manufacturer: Marks & Spencer

Ultimate Pure Wool 3 Button Stripe Jacket, at Marks n Spencer
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Pure Cotton Ribbed Waistband Jeans, at Mark's & Spencer
Contrast stitch styling gives this jeans a modern twist. A practical and fashionable style

Autograph Hat Box, at Marks and Spenser
A smart and useful hat box from Autograph. Perfect for storing your hats when they're not needed, or carrying them in style

Scrapbook Style 30th Birthday Card, at Marks and Spenser
Cover text: 30 happy birthday Inside message: Have a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Maternity Full Length Leggings, at Marks and Spencer
Smart and stylish, these full length leggings are designed to flatter you and your bump. The stretch waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Classic Ceramic Circle Mirror, at Marks and Spencer
Circular shape H68 x W50cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Stripe Bowl, at Marks and Spencers
Stripe design Height: 6.5cm Diameter: 16cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Cable Knit Jumper, at Mark & Spensers
Relaxed and casual, this cable knit jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Besides Marks&Spencer Motor 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 M+S 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.