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. Marks & Spencers Money financial products are, of course, designed to make Marks and 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, 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 Marks & Spencers 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 Marks & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks & Spenser Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Property 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 Marks & Spencers 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 Marks and Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Property Insurance and Standard Property 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.

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Mark & Spencers Standard Car Insurance. With Marks & Spencers Money you can keep the cost of your Car 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 Car Insurance cover from Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spenser, 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 Car Insurance from M&S Finance, you get more, and you pay less.

Metal Rim Tinted Sunglasses, at Marks & Spencer
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

3 Piece Cotton Rich Animal Print Outfit, at Marks and Spencer
Fun and practical, this cute 3-piece outfit features animal print lining. It's made from soft cotton rich fabric to keep him comfy

M&S 32'' HD Ready LCD TV, at M & S
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch flatscreen display with 1366 x 768 pixels Contrast Ratio: 7500:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H58 x W80 x D24cm Sound: Nicam stereo Connectors 1 x HDMI input, 1 x Scart socket 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount

Black and Cream Floral Roll Wrap, at Mark's & Spencer
Pack contains: 1 roll wrap Approx size: 150 x 70cm

Schoolwear Plus Fit 3 Easycare Long Sleeve Blouses, at Marks and Spencer
This 3 pack of larger sized easycare long sleeve blouses is outstanding value. Reinforced seams give extra strength and durability View Plus Schoolwear Size Guide. Find out more

2 Pure Cotton Bath Time Motif Towels, at Marks & Spencers
Pack of 2 Bath Time motif Plain W40 x L60cm, Manufacturer: Marks & Spencer

Marble Collection Soap Dish, at Marks and Spencers
3 drain holes Curved edges H14 x W8.5cm, Manufacturer: Marks & Spencer

Gold Finish Wood Photo Frame 20 x 25cm (8 x 10"), at Marks n Spencer
Rectangular frame Pine wood border Gold finish Aperture: 20 x 25cm (8x10") Dimension: H30.5 x W38.1 x D2.7cm, Manufacturer: Marks & Spencer

Autograph Pure Wool Flat Front Trousers, at MarksandSpencer
Fashionable and contemporary, these stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Autograph Long Sleeve Stretch Cotton Fitted Shirt, at M&S
Modern and stylish, this shirt is cut closer for a contemporary look. It's made from comfortable cotton with added stretch for a great fit. Ideal for sixth form wear

5 Younger Girls' Funky Animal Print Ankle Socks, at M & S
Stock up on stylish essentials with this pack of 5 funky animal print socks

Older Boys' Pure Cotton Check Shorties, at Marks & Spencer
He'll love the fun 'Don't worry this is just my morning face' slogan on these comfy pure cotton shorties

3 Pairs of Collezione Cashmere Touch Socks, at Marks & Spensers
Inspired by Italy, these superior cotton rich socks are made with a touch of cashmere for the ultimate in softness and luxury. Exclusively designed for M&S

For Him Gift Card, at Marks & Spenser
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

Check Flat Cap, at Marks and Spenser
A traditional British classic, this is a versatile style that looks great worn smart or casual

3 Cool & Fresh Pure Cotton Assorted Boxers, at Marks & Spencer
Made from soft breathable cotton, these comfy cool and fresh stripe boxers are ideal for everyday wear

Hermits Hill Botrytis Semillon 2005 - Case of 12, at Marks and Spenser
Style: Sweet Grape variety: Semillon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 37.5cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 4.5 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Traditional Wedding Cake, at Marks and Spencer
Fruit cake: Vine fruits, nuts and cherries laced with brandy. Fruitcakes can be eaten up to 14 days after collection Sponge cake: All-butter sponge filled with buttercream and raspberry jam and covered in soft icing. Sponge cakes can be eaten up to 5 days after collection Medium cake (24 portions): Diam 15.5cm, Cakeboard Diam 20.5cm Large cake (54 portions): Diam 22.5cm, Cakeboard Diam 27.2cm Extra large cake (66 portions): Diam 27.5cm, Cakeboard Diam 31.2cm Fruit cake weights: Medium 1.46kg, Large 2.6kg, Extra large 3.85kg Sponge cake weights: Medium 650g, Large 1.35kg, Extra large 2.04kg Height of each cake: 5.5cm Choose from white or ivory soft icing Please note - You can tier sponge cakes on top of fruitcakes, but fruitcakes are too heavy to tier on top of sponges Please note - You will need to assemble this cake with dowels and pillars which are available to purchase in store. Please contact your collection store for details and ordering Silver cakeboard Comes in a box suitable for storing the cake before serving Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 61 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in participating M&S UK stores

The Floral Collection Magnolia Liliflora Fragranced Drawer Liners, at Marks & Spensers
Contains 5 sheets Fragranced

Orchid Floral Cushion, at Marks and Spencers
Multi-colour floral design L50 x W50cm, Manufacturer: Marks & Spencer

Sienna Table, at Marks & Spenser
Powder-coated steel frame Marble tabletop Individual marble characteristics Suitable for all-weather outdoor use H72 x Diam 110cm Please note that there is no hole for a parasol umbrella This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Open Season Blu-ray DVD, at Mark & Spencers
Rating Parental Guidance,

Short Sleeve Cardigan & Stripe Top Set, at Marks and Spencer
Cute and casual, these short sleeve cardigan and stripe top look fabulously fashionable worn together or separately

Short Sleeve Multi Stripe Wave Polo Shirt, at Mark's & Spencer
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a multi stripe design and embroidered wave motif. Practical, comfortable and easycare

Handheld Parmesan Grater, at Marks & Spencers
Grip handle Wide plate, Manufacturer: Marks & Spencer

Wedding Planner File, at Marks and Spenser
Wedding dress printed cover Ribbon tie Pack contains: 1 planner with various page inserts Approx size: H218 x W165 x D35mm

Cotton Blend Fairy Print Bedset, at Marks & Spencer
3 part set Set includes single duvet cover, pillowcase and printed bag Fairy print, Manufacturer: Marks & Spencer

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

Party Cocktail Invitations - Pack of 10, at M & S
Cover text: Party.....Celebrate Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120 mm

Fuzzy Teddy Grandpa Card, at Marks & Spenser
Cover text: Grandpa... ... down tools on your birthday! Inside message: Blank for your own message Approx. size: 150 mm x 150 mm

Marks & Spencers 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 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.