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 Property 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 Property 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.

When you're shopping at Marks n 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 M&S Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S 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 M&S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S 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."

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

Double Layer Beaded Tie Tunic, at Marks & Spencers
Modern and stylish, this cardigan features a single button fastening. A versatile, easywear style

Sonoma Dark 3-Drawer Bedside Chest, at Marks & Spenser
H60 x W45 x D45cm 3 drawers Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid hardwood 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Extending Table Lamp & Lampshade, at Marks & Spencer
Fabric shade Adjustable height Round base Diameter: 28cm Hieght: 64cm Bulb: 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Per Una Short Sleeve Ditsy Lace Top with Camisole, at M+S
A fashionable floral print top featuring a plain camisole, the crinkle design makes it extra stylish

Ultimate All Season Stormwear™ Mac, at MarksandSpencer
Stylish and contemporary, this mac is treated with Stormwear™ technology, a breathable finish that repels water and stains

Supima® Pure Cotton Non-Iron Deep Fitted Sheet, at Marks & Spenser
Deep fit 30cm Internationally recognised as the world's finest cotton Supima is renowned for its superior strength, enhanced durability and sumptuous feel High performance non iron finish offering the ultimate in easy care Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Philips HP6379 Bikini Trimmer, at M&S
Wet and dry use: In and out of the shower Hygienic protection: Silver ion comb for hygienic protection Rechargable Charge lasts up to 60 minutes Precise and gentle trimmer Hygienic trimming comb Extra smooth and safe shaver Epilator removes hair for weeks Eyebrow and detail trimmer Eyebrow and detail comb

Per Una 3/4 Sleeve Fluffy Cardigan, at Marks & Spencers
A fashionable 3/4 sleeve fluffy cardigan in textured fabric featuring a mixed style button fastening

Patent Ankle High Kitten Heel Boots, at M&S
Pointed toe Centre stitch detail Patent finish Zip fastening Ankle high Kitten heel Heel hight: 54mm Comes in sizes 3-8, including half sizes

Earth Spa Indulgent Body Cream, at Marks & Spensers
Soothes Nourishes 300ml Ingredients: Aqua, C12-15 Alkyl Benzoate, Cetearyl Alcohol, Glycerin, Glyceryl Stearate, Prunus Amygdalus Dulcis Oil, Polyacrylamide, Bassia Latifolia, Cetearyl Glucoside, Shorea Stenoptera Butter, PEG-100 Stearate, Dimethicone, Mel, Phenoxyethanol, Limonene, Benzyl Alcohol, Tocopheryl Acetate, Methylparaben, Laureth-7, Polydecene, Citrus Aurantium Dulcis Oil, Disodium

Fenton Large 2-Seater Everyday Sofa Bed, at Marks & Spencers
H90 x W218 x D103cm (opens to L235cm) Seat: H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Mattress: L178 x W132 x D5cm Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa bed will support a maximum combined weight of 160kg 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

Pure Leather Patent Oval Buckle Belt, at Marks & Spencer
Add a smart finishing touch with this leather patent finish oval buckle belt

Pure Cotton Long Sleeve Hooded Top & Check Shirt, at Marks and Spenser
Cute and fun, hood and check design makes this practical top extra special. It's made from soft cotton fabric and feels comfy to wear

3 Pairs of Cotton Rich Block Stripe Socks, at Marks & Spensers
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

7 Pure Cotton Assorted Heart Print Bodysuits, at Marks and Spencers
Cute and practical, this pack of 7 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Single Sprung-Edge Divan with 2 Large + 2 Small Drawers & M300 Mattress, at Marks and Spencer
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large Drawer: 14 x 78 x 52cm Small Drawer: 14 x 40 x 52cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 896 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Pure Cotton Broiderie Vest Top, at Mark & Spensers
This sleeveless vest top will make a useful addition to your wardrobe. It features a pretty lace trim for a stylish casual look

Single Breasted One Button Pinstripe Jacket, at Marks & Spensers
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Footglove™ Leather Whip Stitch Detail Ankle Boots, at Marks & Spensers
Round toe Whipstitch detail Zip fastening Ankle high Block mid heel Heel height: 47mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Craft Text Brother Birthday Card, at Marks & Spensers
Cover Text: happy birthday brother Inside Message: Blank for your own message Approx size: 178 x 126mm

Autograph Flock Stripe Lace Padded Bra, at Marks & Spencer
Luxurious and elegant, this underwired bra features flock stripe design. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

El Tidon Sauvignon Blanc 2008 - Case of 12, at Marks and Spencer
Grape Variety: 100% Sauvignon Blanc Country of origin: Spain Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Catarratto Inzolia 2008 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: 50% Catarratto and 50% Inzolia Country of origin: Italy Closure: Synthetic closure Alcohol by volume: 12.5% vol. You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Lexington Flight Bag, at Marks&Spencer
Whether you're heading to the gym or a quick weekend jaunt away, keep your belongings safe and secure with the zip fastening design of this roomy flight bag

Plain Jogging Bottoms, at Marks and Spencer
With added stretch for essential ease of movement, these comfy and practical joggers feature a decorative drawstring and are great for active workouts or relaxing in style

Cotton Rich Fairy Work Pyjamas, at Marks & Spencers
Fun and fashionable, these comfy cotton rich pyjamas feature a fairy design

Per Una Ditsy Flower Wire Necklace, at Marks and Spencers
Clasp fastening Adjustable length Ditsy flower wire design Necklace length 41cm, extendable by 8cm

Perfect Scorpius Hard Medium Rollercase, at Marks & Spencer
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

Autograph Large Rollercase, at Marks&Spencer
Free 5 year guarantee Take the hassle out of travel with the practical, easy to transport and stylish design of this spacious rollercase. Perfect for business travel, this case includes a garment carrier and shoe bag Includes free i-trak luggage ID service see details below

Medium Impact Non-Wired Sports Bra, at Marks n Spencer
Comfortable and secure, this medium impact sports bra gives firm, gentle support for active wear

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