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

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the M&S 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 House 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 Mark's & 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.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Car Insurance, but Marks&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 Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers 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 House 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 (House 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 Mark & Spensers insurance products in document format too.

Animal Print Marl Tights, at Marks and Spencer
Treat your legs to a touch of style. These animal print tights have a durable reinforced design to keep them looking good, wear after wear

Autograph 3 Piece Pure Cotton Jeans Outfit, at Marks and Spencer
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

Low Rise Spot Swirl Shorts, at MarksandSpencer
Low rise shorts are perfect for wearing with hipster styles and these pretty spot swirl print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Big & Tall Single Breasted 2 Button Jacket, at Marks & Spencer
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Autograph Best Pure Silk Contrast Stripe Tie, at Marks & Spensers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Little Heart Necklace & Bracelet Set, at Marks and Spencer
2 part set Stretch bracelet and necklace Little heart design

Pure Wool Fine Stripe Rug, at Marks and Spencer
Rectangle shape Stripe design, Manufacturer: Marks & Spencer

Per Una Short Sleeve Eccentric Lace Top Set, at Marks and Spencers
An elegant eccentric print lace top in soft stretch fabric featuring a camisole and necklace

3 Younger Boys' Cotton Rich Monster Trunks, at Marks n Spencer
Comfortable, practical and fashionable, this pack of 3 trunks is made with soft breathable cotton.

Per Una 3/4 Sleeve Stripe Zip Cardigan, at Marks and Spencer
A colourful 3/4 sleeve cardigan in a soft knitted fabric featuring a stripe design and zip fastening

5 Cotton Rich Assorted Bikini Briefs, at Marks & Spencers
These assorted print cotton rich bikini briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pure Cotton Premium Basic Straight Leg Jeans, at Marks & Spensers
Jeans are a wardrobe essential and this straight leg pair make a fashionable and practical choice

Autograph Zip Shoulder Bag, at Marks and Spencer
Luxurious and beautiful, this leather handbag is part of our exclusive Autograph collection. It's front pocket make it practical as well as being a highly desirable fashion accessory

Ultimate Pure Wool Single Breasted 2 Button Plain Jacket, at Marks and Spenser
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Evening Dress Birthday Girl Card, at Marks n Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 150 x 150mm

Wide Fit Leather Apron Loafers, at Marks & Spencer
Round toe Contrast apron stitch Twin gusset Slip-on Wide fit

Blue Harbour Real Cool & Fresh Polo Shirt, at Marks & Spencer
Innovative and comfortable, this polo shirt is made from natural cotton with moisture absorbing technology. The fabric draws moisture away from your skin for rapid evaporation, leaving you fresh and dry

5 Pairs of Cotton Rich Week Days Trainer Liner Socks, at Mark & Spencers
Comfy and practical, these soft cotton rich socks are designed to hide neatly inside trainers

Autograph Pure Cotton Straight Leg Coated Jeans, at Mark & Spensers
Fashionable and contemporary, these straight leg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Disney Princess Activity Pack, at Marks & Spencer
This cool activity case provides hours of fun. Packed full of activities, a posters, pens, she'll have loads of fun with her favourite Disney Princesses

Trackers Trail Sauvignon Blanc 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

National Geographic Kids - Magazine Gift Subscription, at Mark's & Spencer
National Geographic Kids is the monthly edu-tainment magazine for boys and girls. Jam-packed with the amazing images you'd expect from the National Geographic brand, National Geographic Kids is everything an inquisitive young mind needs

Sony Bravia 37'' KDL-37W5500 HD Ready LCD TV, at Marks & Spenser
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 37 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 50000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W91.7 x H64.9 x D30.3cm, Without Table Stand: W91.7 x H60.2 x D9.1cm Weight: Weight inc. stand: 18.5kg, weight without stand: 15.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Embossed Puff Jacket, at Marks and Spencers
A fashionable single breasted jacket featuring embossed design and gathered stitch detail.

Running Book, at M&S
Running is one of the most popular forms of exercise that you can choose. Aimed at those who are new to running, this book advises you on what you need to get started and how to continue in order to improve.

Autograph Faux Fur Coat, at Marks and Spencer
Cute and cosy, this warmly padded coat is made from soft fabric to keep her feeling comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Performance Pure Wool Twin Pleat Plain Trousers, at Marks and Spencer
aspirational copy

PlayStation®2 SmackDown Vs Raw 2008 Game, at Marks and Spencer
Eight megastar fighting styles Brand new struggle submission system Encompasses a variety of megastars, arenas and weapons Includes significant updates requested by fans Enhanced online community support 2007 Sony Computer Entertainment Europe You must be 16 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, ESRB Rating: Teen

Cotton Rich Welt Pocket Bootleg Jeans, at Mark & Spencers
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

2 Fairtrade Cotton Rich Thin Strap Vests, at Marks & Spencer
Look below to see a video clip about Fairtrade Stylish and practical, these strappy vests make an ideal choice for everyday wear. The soft cotton fabric gives a comfortable flattering fit. They're made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

M&S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Car Insurance is not like that at all, and when you compare M&S Car 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 Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.