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 & Spenser are so useful. M&S Financial Services 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 M&S Financial Services 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencers Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M+S, 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 Financial Services, you get more, and you pay less.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the MarksandSpencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S Home Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

Leaf Tapestry Pencil Pleat Curtains, at Marks & Spencer
Embroidered leaf design Pencil pleat Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Blue Harbour Long Sleeve V-Neck Fleece Top, at Marks & Spencers
Relaxed and cosy, this long sleeve v-neck fleece top is outstanding value!

Animal Sparkle Jacquard Scarf, at Marks and Spencers
Add some sheer glamorous sparkle to your look with this elegant animal print scarf. The perfect accessory to this season's styles

Liebfraumilch 2008 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Mixed White Country of origin: Germany Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 10.5% vol. Alcohol units per bottle: 7.9 Alcohol units per 125ml: 1.3 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

PlayStation®3 Batman™: The Videogame, at M&S
Fight for justice as Batman and Robin or create chaos as The Joker, Catwoman and other villains, as you save or wreak havoc in Gotham City Rocket through sewers and bound across rooftops as you take the fight to the criminals across classic locations in Gotham City Fight on land, sea and in the air using a number of powerful Batman, Robin and villain-controlled vehicles, including the rocket-powered Batmobile, sleek Batboat and stealthy Batwing Enhance the abilities of the Dynamic Duo by unlocking Batman's Demolition, Sonic and Glide suits and Robin's Gravity, Magnetic and Dive suits to help fight Gotham's villains Play through the game in Story Mode from both the hero and villain sides Replay any level in Freeplay Mode with any characters you've unlocked. Access previously hidden areas to find additional rewards and bonus content Collect LEGO studs and special LEGO bricks throughout the game to unlock tons of extra content including special power-ups and bonus levels 2007 Sony Computer Entertainment Europe You must be 7 years of age or over to purchase this product 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Pure Cotton Embroidered Scalloped Trim Vest, at Marks and Spenser
A wonderfully delicate scalloped trim adorns the top of this soft cotton cami whilst a sweet bow adds a pretty girly touch

Hand Finished Text Quote Mother's Day Card, at M&S
Cover text: To the most fabulous mum Inside message: Have the most wonderful Mother's Day Approx size: 150 x 150mm

California Zinfandel Rosé 2008 - Case of 12, at Marks and Spencers
Style: Medium dry Grape variety: Suitable for vegetarians Country of origin: USA Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 10.5% vol Alcohol units per bottle 7.9 Alcohol units per 125ml 1.3 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Extra Large August Bouquet, at Marks & Spencers
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. Includes 100% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

Autograph White Hungarian Goose Down Duvet - 10.5 Tog, at M+S
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating Highest quality class 1 Hungarian goose down Large down clusters within a multi-pocket construction - provides warmth without weight Each pocket is individually filled ensuring even down distribution 100% cotton outer cover - 300 thread count downproof cover Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Malabar Console Table, at Marks and Spencer
H80 x W120 x D50cm 2 drawers Hand crafted predominantly from solid mango wood Protective low-sheen lacquer finish for added durability Antique-brass effect handles Legs 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

Nostalgic Photo Great Grandad Birthday Card, at Marks and Spencer
Cover text: Have a truly Champion Birthday! Many Happy returns, Great Grandad Inside Message: With love Approx size: 215 mm x 150 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

North Coast Check Print Floral Swim Shorts, at M+S
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

A Friend Like You Book, at Marks & Spenser
Panda and Monkey are going on a special journey up into the mountains. Monkey is so excited about the beautiful surprise ahead, he just can't wait for Panda! 'Let's get going, Panda-plod!' he cries impatiently and rushes off. But soon Monkey finds he needs his friend much more than he though

Flat Front Eveningwear Trousers, at Marks and Spencer
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Rough Skin Shaver, at Marks & Spencer
Corn plane Pack of 10 replacement blades Corn rasp

Crystal Nail File, at M&S
The pattened design surface is ideal for gently shaping and smoothing nails Durable surface that is fully washable Perfect size for slipping into your handbag

Winnie The Pooh Slim Diary, at M&S
Approx size: 80 x 165mm Licensing details: Disney. Based on the "Winnie the Pooh" works by A. A. Milne and E. H. Shepard. www.disney.com

Welcome Reds & Whites - Case of 12, at M&S
1 Domaine Cambos Gros Manseng 2008 1 Miradou, Ctes de Provence Ros 2008 1 Domaine Lafage VdP des Ctes Catalanes 2007 1 Campo Bravo Rioja Vendimia Seleccionada 2007 2 Santa Gloria Chardonnay 2008 2 Ponticello, Pinot Grigio di Sicilia 2008 2 Santa Gloria Merlot 2008 2 Villagio, Negroamaro Puglia 2008 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Girlie Dress Up Compendium, at Mark & Spencers
1 carry case 18 felt pens 18 coloured pencils 2 pencils Eraser Pencil sharpener Ruler Protractor 45 degree set square 60 degree set square

Autograph Essentials Pure Silk Pintuck Blouse, at Marks and Spencer
Feminine and elegant, this sophisticated pure silk blouse is beautifully designed and cut for a flattering shape and features pintuck detail

5 Cotton Rich Thongs, at Mark & Spensers
These simply styled thongs are comfortable and flattering, perfect for avoiding visible lines under tight-fitting clothing. This multipack makes a great value way to stock up your underwear drawer

Younger Boys' Pure Cotton Thomas & Friends© Slippers, at M & S
Round toe Riptape fastening Contrast trim Thomas motif 2007 Gullane (Thomas) Limited

Autograph Pure Cotton Plain Stripe Dobby Shirt, at Marks and Spencer
Comfortable and versatile, this cotton long sleeve shirt is a classic style, perfect for smart dressing

Collezione Single Breasted 2 Button Self Stripe Suedette Jacket, at Marks & 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

Fairy Cakes Niece Birthday Card, at Marks & Spencers
Fairy cake design Cover text: Sweet birthday wishes... To a wonderful Niece! Inside message: Blank for your own message Approx size: 230 x 114mm

Autograph Mock Layer Crew Neck T-Shirt, at M&S
Whether you're heading for bed or relaxing at home, this comfortable t-shirt is great for chilling out in style. Mix and match with our pyjama bottoms

Per Una Speziale Cheek Colour, at Marks & Spenser
Soft powder Illuminating Embossed motif Hypoallergenic Comes in 2 colours

Portfolio Leather Almond Toe Court Shoes, at Marks & Spenser
Heel height: 60mm Almond toe Suede detail Strap fastening Mid heel Water resistant Comes in sizes 3-8, including half sizes

Blue Harbour Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spencer
Relaxed and stylish, this stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks and Spencer 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 Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Home 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 & Spenser insurance products in document format too.