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 Money financial products are, of course, designed to make Marks and Spenser 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, Buildings Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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 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 Buildings 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 Buildings 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.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks n Spencer online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Car Insurance, M&S Buildings 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 & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

6 Lilac Hand Finished Floral Multipack of Cards, at Marks & Spensers
Cover Text: Both designs blank Inside Message: Blank for your own message 6 cards, 2 designs Approx size: 200 x 80 mm

Ultimate Non Iron Long Sleeve Satin Stripe Shirt, at Marks and Spenser
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Portfolio Lightweight Paint Splash Design Scarf, at Marks & Spensers
Add a luxurious finishing touch to your look with this elegant paint splash design scarf. The perfect accessory to this season's styles

Canoe Boat Shoes, at Marks & Spencers
Round toe Stitch detail Strap style feature Lined

Per Una Jersey Pencil Skirt with Belt, at Marks and Spencer
A modern pencil skirt featuring stitch detailing, the belt makes it extra stylish

Autograph Long Sleeve Satin Stripe Shirt, at Marks & Spencers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary satin stripe print

Perfect Autograph Weekend Satin Honeycomb Print Chemise, at Marks and Spencer
Luxurious and sophisticated, this modern chemise is part of our exclusive Autograph Weekend collection. It's beautifully designed and detailed with honeycomb print and made from the softest fabrics for the ultimate in comfort

Hibiscus Floral Swim Shorts, at Marks and Spencer
Colourful and modern, these drawstring shorts fit comfortably and securely. A practical and stylish choice

Stripe Seat Pad, at Marks and Spencer
Tie fastening Stripe design Padded, Manufacturer: Marks & Spencer

Limited Pure Cotton Skull T-Shirt, at Marks & Spencer
A casual contemporary street style, this t-shirt features a skull motif. The soft cotton fabric makes it comfortable, practical and easycare

Small Pillar Candle, at Marks & Spencer
Plain pillar candle 60 x 13mm, Manufacturer: Marks & Spencer

Autograph Stainless Steel Turner, at Mark & Spensers
Hanging loop Approx size: 26.3 x 9 x 9cm Dishwasher safe, Manufacturer: Marks & Spencer

Stormwear™ Padded Coat with Reflective Trim, at Marks & Spenser
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. It features inside pockets and a reflective trim. Storm cuffs help keep arms warm and hold on gloves

Lilac Allium 70th Birthday Card, at Marks and Spencers
Approx. size: 178 x 126mm Cover text: Happy 70th birthday Inside message: With love on your 70th birthday

Blue Harbour Pure Cotton Single Breasted Hairline Jacket, at Marks and Spencer
A style classic at a great value price, updated with a modern cut and contemporary detailing

Long Sleeve Tie Waist Dressing Gown, at Marks and Spencer
Soft and stylish, this cosy dressing gown is made from soft fleece so you can snuggle up in style and comfort. Available in 2 lengths

M&S Luxury Stripe Panama Hat, at Marks & Spencer
A luxury straw panama hat, it is the perfect addition to any man's summer wardrobe, perfect for any occasion this beautifully woven summer hat has the classic diamond crown with pinch front and is accented by a contrast stripe band trim

16GB Apple iPod nano - Latest Generation, at Marks & Spencer
Holds up to 4,000 songs, 16 hours of video, 14,000 photos, or some of each Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Shake iPod nano to shuffle your music Cover Flow - turn it on its side to flip through album art Watch movies, TV shows, and video Curved, anodized aluminum and curved glass design Large, bright display with 320-by-240 resolution Tilt, move, and play accelerometer-inspired games (games available separately) 2-inch (diagonal) color LCD display with LED backlight. 320 by 240 pixels at 204 ppi Dimensions: H9 x W3.9 x D0.6cm Weight: 36.8g In the box: iPod nano, earphones, USB 2.0 cable, dock adaptor, Quick Start guide Built-in rechargeable lithium ion battery capable of up to 24 hours of audio playback and up to 4 hours of video playback For Mac and Windows. Requirements: Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later TM and 2008 Apple Inc. All rights reserved 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

Autograph Double Strand Faceted Long Necklace, at Marks & Spensers
Clasp fastening Adjustable length Faceted bead design Necklace length 94cm, extendable by 8cm

Boy Images Multipack of Card, at Marks & Spencers
Cover text: Design 1 - happy birthday Design 2 - blank Design 3 - happy birthday Pack contains: 9 cards, 3 designs Approx side: 120 x 120mm

Cashmilon™ Long Sleeve Cardigan, at Marks and Spencer
Fashionable and flattering, this long sleeve cardigan is made from supersoft cashmilon™ and features a button fastening

Autograph Leather Buckle Trim Slim Belt, at Marks & Spencer
Dress up your fashionable outfits with this smart leather hip belt

Girls' Limited Ruffle Skirt & Leggings Set, at Marks & Spencers
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Saint-Aubin 1er Cru Le Charmois 2005 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Long Sleeve Funnel Neck Zip-Up Tracksuit Jacket, at Marks & Spencer
Stylish and practical, this warm and cosy zip-up tracksuit jacket is ideal for workouts or relaxed casualwear

Pure Cotton Hooded Reversible Cardigan, at Marks n Spencer
Soft and comfy, this reversible cardigan is made from pure cotton and features a stripe design. A practical easycare style

Divan Sets - F400 ZIPL/NON STO, at Marks and Spencers
Manufacturer: Marks & Spencer

Roberts RD-45 FM RDS/DAB Portable Digital Radio in Silver, at Mark's & Spencer
FM/DAB wavebands 9 station presets including favourite station button Easy to read 16 x 2 character LCD display Menu display/selection of all major functions Amber display backlight Line output, headphone and DC input socket Battery or mains operation via AC adaptor included Batteries 6 x LR14 (not included) W231 x H141 x D75mm, weight 780g 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

Sprung-Edge Non-Storage Divan & M200 Mattress, at Marks & Spencers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm 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 L90cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): w180 x l200cm Mattress depth: 24cm Divan Height: 41cm Mattress has a soft pillowtop layer Mattress Spring Count: 522 Sprung-Edge divan - 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

Autograph Mineral Powder Eyeshadow, at Marks and Spenser
Hypoallergenic Fragrance and preservative free

Besides Marks n Spencer Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Buildings 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 Marks and Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Buildings Insurance and Standard Buildings 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.