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

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

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

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

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spencer Standard Car Insurance. With Marks & Spencer 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 & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from Marks & Spencer Money, you get more, and you pay less.

Ceriso Floral Print Brazilian Knickers, at MarksandSpencer
Flirty and feminine, these modern brazilians feature a floral print and centre bow. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Gold Plated Catseye Tear Drop Earrings, at Marks & Spencers
Drop style Hook fastening Catseye tear drop design For hygiene reasons, refunds will only be given in accordance with your legal rights

Chrome Collection Mirror, at Marks & Spenser
Rectangular Wall mounted H50 x W35cm, Manufacturer: Marks & Spencer

Abbey Storage Footstool, at Marks and Spencers
H51 x W76 x D76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Top cushion lifts to reveal storage space inside the stool. Click here to view the storage space 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 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 samples: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Stripe Broderie Trim Top, at Marks n Spencer
This short sleeved top will make a useful addition to your wardrobe. It features pretty broderie trim details for a stylish casual look

Single Breasted Wool Blend 3 Button Slim Fit Pinstripe Jacket, at MarksandSpencer
Slim fit suits are cut closer for a cleaner sharper silhouette. Designed in a contemporary style, they give a longer, leaner appearance and a flattering fit

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks & Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Limited Collection Zebra Print Tunic, at Marks & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Nostalgic Photo Our Anniversary Card, at Marks & Spencer
Cover text: Happy anniversary since always, till forever... Inside message: With lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx Size: 175 x 125mm

Wavy Embellished Skirt, at Marks and Spencer
Long and lovely, this panelled skirt features embellishment detail. Stylish, practical and fashionable

Machine Washable Diagonal Multi Stripe Tie, at Marks and Spenser
Combining machine washable convenience with a contemporary design, this stunning tie will make a valuable and versatile addition to your smart wardrobe

Long Sleeve Frill Front Cardigan, at Marks & Spensers
Soft and cosy, this cardigan features frilled front. A contemporary look that will take you through the season in style

Earth Spa Himalayan Rock Salt Body Scrub, at Marks and Spencer
350ml To replenish and pamper

Per Una Pleated Handbag with Charm, at Marks and Spencer
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

Mix Bubble Tumbler Glass, at Marks and Spencers
Bubble design Chunky plain base H10cm 34cl, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Hooded Coat, at Marks&Spencer
Fashionable and practical, this coat is fully lined and features a hood. A comfortable, easycare style

Photo Frame with Mount 13 x 18cm (5 x 7"), at Marks and Spencers
Rectangular shape Removeable mount card Wood stand Frame dimensions: H29 x W24cm Aperture: 5 x 7in, Manufacturer: Marks & Spencer

2 Piece Cotton Rich Racoon Dungaree & T-Shirt Outfit, at Marks&Spencer
It's the racoon motif that makes this 2 piece outfit fun and fashionable. Soft cotton and velour fabric makes it comfy and practical

125 Years Luxury Wool Rich Single Breasted 2 Button Jacket with Cashmere, at Marks & Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Per Una Open Front Asymmetric Drape Cardigan, at Marks & Spencer
A stylish open front asymmetric cardigan in soft fabric featuring angular ribbed trim

Autograph Copper Base 3-Tier Steamer, at Marks n Spencer
Stainless steel for maximum durability and shine Glass straining lid Riveted handles with silicone inserts for comfort and safety High performance copper base for even heat distribution Diam: 20cm Capacity: 3.8 litre Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Pearl & Silver Type Sister-In-Law Birthday Card, at Marks & Spensers
Cover text: To my sister-in-law happy birthday Inside message: Blank for your own message Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pure Cotton Floral Embroidered Top, at Marks and Spencer
Pretty embroidery detail makes this soft cotton top extra special

PlayStation®3 Sonic the Hedgehog Game, at Marks and Spencers
3 playable characters Run through stages with Sonic's trademark speed 10 action packed stages Customise and personalise your abilities Multiplayer modes Suitable for 12 years and over 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Funky Faux Snakeskin Watch, at Marks & Spenser
Round face Analogue Faux snakeskin print strap Adjustable strap

Autograph Pure Cotton Plain Poplin Long Sleeve Shirt, at Marks and Spenser
This luxurious shirt is in fine quality, superior cotton and careful attention to detail make it a stylish modern classic

Floral Body Sponge, at MarksandSpencer
Suction cup Hanging rope Flower design

Autograph Pure Cotton Slim Fit Poplin Shirt, at M+S
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Autograph Loretto 2 Right-Hand Chaise & Coffee Table/Footstool Set, at M & S
3 piece set - 2 chaise longue and 1 combination Coffee Table/Footstool Coffee Table/Footstool has a removeable top cushion. Can be used as a footstool or a coffee table All-weather synthetic rattan Silver-effect rattan Quick drying seat pads in 100% polyester Chaise dimensions: H62 x W200 x D97.5cm, seat H30.5cm Coffee table/Footstool dimensions: H30.5 x W80.5 x L80.5cm Suitable for indoor or outdoor use *Save 30% when you buy this set. Individually 2047. Save 648. Cannot be used in conjunction with any other offer This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Hooded Denim Jacket, at Marks and Spencer
Practical and fashionable, this pure cotton jacket is fully lined and features a hood . A comfortable, easycare style, machine washable for added convenience

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

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

Free insurance quotes are available online for all of Marks & Spencer Money insurance products (Household Insurance, Car 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 M & S insurance products in document format too.