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 M & S are so useful. M&S 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, 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.

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 Marks and Spencer 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, Sainsburys, 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.

M+S may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks & Spensers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money insurance products (Property Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencer insurance products in document format too.

Long Beaded Necklace, at Marks & Spencers
Chunky bead design Necklace length: 42cm

Pure Cotton Short Sleeve Cymru Rugby Top, at Marks and Spencer
A fashionable smart-casual look, this comfortable cotton rugby shirt features block stripes and an embroidered Cymru motif. Stylish, practical and easycare

Autograph Funnel Neck Duffle Coat with Wool, at Marks and Spenser
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

M&S 2GB USB Memory Stick, at Marks and Spenser
Free 1 year guarantee This 2GB memory stick a hi-speed USB drive with a simple plug-and-play design that allows you to quickly and easily transfer and store data and multimedia files. This memory stick is the ideal solution for easily storing and protecting all your valuable files, photos, video, and more

Champagne Wishes Mum and Dad Anniversary Card, at Marks & Spenser
Cover text: Mum & Dad - Wishing you a day of love and happiness on your Anniversary Inside message: Blank for your own message Approx size: 175 mm x 125 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Girlie Dress Up Jotter Box, at Marks & Spenser
Contains: 1 jotter box and 1 pad of notepaper H11.3 x W11.2 x D9cm

All Over Lace Embroidered Underwired Bra, at Marks & Spensers
A pretty and practical bra for everyday use, adjustable straps and added stretch translate into a comfortably secure fit whilst lace embroidery provides a sophisticated finish

Petite Stitch Waistband Straight Leg Trousers, at Marks & Spencer
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style. Specially designed and perfectly proportioned for the petite frame

M&S DECT Cordless Phone with Large Buttons, at Marks & Spencers
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Talk time - up to 10 hours with 100 hours standby Speakerphone - talk hands-free Large display, big buttons and ultra-slim profile HD Sound - High Definition communication Large, white backlit inverse display Stores 100 names and numbers Up to 10 hours with 100 hours standby 5 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answering machine with up to 15 minutes recording time Access the answering machine on the base Message counter display on base 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

Spot Print Lace Back High Leg Knickers, at M&S
A great style for making your legs look longer, these lace knickers are designed with a flattering high cut

Easycare Stripe Short Sleeve Shirt, at Marks & Spensers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Birthday Cake Gift Card, at M&S
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Glow Bead Drop Earrings, at M&S
Drop style Hook fastening Mixed beads

M&S 10m Phone Extension Cable, at Marks and Spencer
10 mtrs Standard telephone fittings This product is not available for international delivery. Find out more 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

LED Light Collection Dragonfly, at Marks and Spencer
Ideal use for garden lighting Dragonfly design Batteries supplied H4 x W14cm This product is not available for international delivery. Find out more

Take That - The Circus CD, at Marks and Spencer
Audio CD, Marks & Spencer

100 Cotton Balls, at M&S
Pack of 100

Isis Shower Gel for Men, at Marks & Spencer
200ml

Long Sleeve Ribbed Trim Cardigan, at Marks & Spenser
Modern and stylish, this cardigan features delicate buttons. A versatile, easywear style

White Rattan Laundry Basket, at Marks & Spensers
Lid with handle Removable lining H58cm, Manufacturer: Marks & Spencer

Autograph Renzo Coffee Table, at Marks and Spenser
H33 x L90 x W90cm Shelf: H18.5cm Lacquered 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 *14 day delivery - This product is usually available within 14 days of placing the order. Subject to product and delivery slot availability. Not available during promotional events This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Gold Jewel Effect Roll Wrap, at Marks & Spenser
Includes 1 roll wrap Approx. size: 150 x 70cm

4 Oslo Champagne Flutes, at Marks & Spencers
Set of 4 V-shaped, Manufacturer: Marks & Spencer

Earth Spa Mineral Enriched Exfoliating Body Polish, at M & S
With extracts of mineral enriched seaweed, olive stone granules to gently exfoliate & shea butter to hydrate & smooth 200ml

Tear Drop Gemstone Photo Frame (4 x 6"), at Marks & Spencers
Rectangular frame Tear drop gemstone design Aperture: 10 x 15cm (4 x 6'') H12 x W17 x D2cm, Manufacturer: Marks & Spencer

Supima® Pure Cotton Non-Iron Deep Fitted Sheet, at Marks & Spencer
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

Battery Operated Light Ball, at Marks and Spencers
Ball design Light up feature Battery supplied Diam 7.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Wool Blend Pinstripe Suit Trousers, at Marks&Spencer
Perfect for smart occasions, these classic pinstripe suit trousers make a fashionable and practical choice

Autograph Wool Rich Straight Leg Trousers, at Marks and Spencer
Smart and stylish, these wool rich trousers give a well dressed look and feel comfortable to wear

Classic Fragrance Florentyna Soaps, at Marks & Spencer
3 x 75g soaps Round soaps with rose petal detail Rose petal detail Moisturising formula Box dimensions: W20.5 x D2.5x H7cm

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 Marks & 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 & Spencer Money, you get more, and you pay less.