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. Marks & Spencer Money 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, 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 Marks & Spencer 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 Marks & Spencer Money House Insurance than you will anywhere else, and you may even pay less with M&S.

Marks&Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Motor Insurance, but Marks & Spensers 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 Money 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 House 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 (House 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 and Spencer insurance products in document format too.

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

Perfect Blue Harbour Heritage Pure Cotton Rugby Shirt, at Marks & Spenser
The authentic styling and great fit of this rugby shirt will make it a wardrobe favourite for many seasons to come

Per Una 3/4 Sleeve Crochet Trim Top, at Marks n Spencer
A stylish scoop neck top featuring 3/4 sleeve and a crochet trim detail

Luxury Pure New Wool Rich Flat Front Trousers with Cashmere, at Marks and Spenser
Enjoy the timeless British tailoring of our Luxury range. Over 20 hours of hand stitching goes into every one of these beautifully tailored suits. The exceptional craftsmanship, careful attention to detail and luxurious wool and cashmere blend fabric creates a look of impeccable elegance

Footglove™ Leather Stitched Bow Pumps, at Marks & Spenser
Round toe Contrast stitched bow detail Slip on Low heel Heel height: 12mm Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

M&S Cordless Phone with Built-in Digital Photo Frame, at Marks and Spencers
Digital Photo Frame phone: 3.5'' high definition colour display on the base station Picture caller ID: link photo to the caller ID Talk time: up to 10 hours Standby time: up to 100 hours Phone book: 200 names and numbers Stunning blue backlit display Speakerphone: talk hands-free Caller display: identify your caller before answering Ringer melodies: 5 polyphonic ringer melodies Memory card slot: SD, MMC and MS memory. Review photos while you talk 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

Pure Cotton Long Sleeve Travel Shirt, at Marks & Spencer
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

Nos Riqueza Ribera del Duero 2006 - Case of 6, at M&S
Style: Full bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by 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

Autograph Handkerchief Collection Tall Vase, at Marks & Spensers
Fluted opening Handkerchief design top Round base Smoked glass H49 x Diam 21.5cm, Manufacturer: Marks & Spencer

HP Compaq Presario CQ61-120SA Notebook, at Marks & Spenser
Processor: Intel Pentium processor T4200 Processor speed: 2 GHz, Level 2 cache 1 MB RAM: 3072 MB (1 x 1024 MB + 1 x 2048 MB), Supports up to 8 GB DDR2 memory Screen: 15.6" Diagonal High Definition HP LED Brightview Operating System: Genuine Windows Vista Home Premium with Service (32-bit) Hard Drive: 250 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery DVD Drive: Lightscribe Super Multi DVD Writer (+/-R +/-RW) with Double Layer support Graphics card: Intel Graphics Media Accelerator 4500MHD Up to 1309 MB Total Available Graphics Memory Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards, MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 1 headphone-out, 1 mic in, 3 USB, 1 HDMI connector, 1 VGA port, 1 RJ45 ethernet connector Connectivity: Ethernet 10/100BT integrated network interface 802.11b/g WLAN Battery: 6-cell Lithium-Ion (Li-Ion) battery Media software: Windows Media Player, Windows Photo Gallery, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media Center Additional software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, Dimensions: L37.8 x W25.2 x H4.36cm Weight: 2.75kg

Easy Fast Food Cooking Book, at Marks and Spencer
Perfect too cook up after a hard day at work, these fast food recipes are not only simple and quick, but they're fresh, delicious and healthy. There are meals for on-the-move, chill-out sessions, quick fixes, snacks and sweets treats, all for you to enjoy

Handcrafted Religious Laser Cut Cross Easter Card, at Marks & Spenser
Cover text: An Easter prayer for peace and hope, especially for you - may all the joy that springtime brings, last for the whole year through Inside message: blank for your own message Approx size: 230 x 114mm

Collezione Leather Washbag, at Marks & Spencer
Stylish and practical, this washbag is a well designed travel essential

Autograph Linen Blend Short Sleeve Embroidered Shirt, at M & S
Stylish and contemporary, this embroidered shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Blue Harbour Pure Cotton Postage Print T-Shirt, at M & S
Fashionable and relaxed, this postage print t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

North Coast Check Print Floral Swim Shorts, at Marks & Spensers
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

2 Angel Cotton Rich Underwired First Bras, at Marks and Spenser
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit. The unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Autograph Tile Cushion with Silk, at Mark & Spencers
Rectangular shape Tile pattern Stitch detail Lined, Manufacturer: Marks & Spencer

Reversible Leather Belt, at Mark & Spencers
Add a smart finishing touch with this leather buckle fastening belt

Firm Control No VPL Floral Low Leg Shorts, at Mark & Spensers
Look slimmer in seconds! These firm control shorts gently flatten tummies for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

Luxury Pure Wool Single Breasted 2 Button Stripe Jacket, at Mark's & Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Clarendon Footstool, at Mark's & Spencer
H37 x W119 x D79cm (all dimensions are approximate) Cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 Feet are castors All of our fabrics are treated with Stain-Defence& trade; - 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 service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 08457 624 624 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

Linen Rich Single Breasted 1 Button Pinstripe Jacket, at Mark's & Spencer
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions

Plain Lightweight Umbrella, at MarksandSpencer
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours

Autograph Weekened Cotton Rich Floral Top with Silk, at MarksandSpencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Château de Clairefont Margaux 2005 - Case of 6, at Marks and Spencer
Style: Full Bodied Grape variety: Cabernet Sauvignon, Merlot & Petit Verdot Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Widefit Chunky Trim Square Toe Loafer, at Marks & Spencer
Contemporary, comfortable and practical, these leather mix shoes are designed in a fashionable style. A great choice for work or smart wear

3 Autograph Pure Cotton Trunks, at Marks and Spencers
Comfortable, practical and fashionable, this 3 pack of trunks is made from soft breathable cotton

New Encyclopedia Of Gardening Techniques, at Marks & Spencers
Whether you're a complete novice or looking to improve your existing skills, this is the complete indispensable illustrated practical guide to gardening techniques

Lightweight Butterfly Print Scarf, at Marks and Spencer
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The butterfly print details add a stylish finishing touch

Cotton Rich 3/4 Sleeve Floral Top with Silk, at Marks & Spencers
Pretty and feminine, this 3/4 length sleeve top is made from a luxurious blend of silk and cotton and features a floral print

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Motor Insurance is not like that at all, and when you compare M&S Motor 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 Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, 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 Motor 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.