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 & Spensers are so useful. Marks & Spencers 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, 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 Marks & Spencers 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 Marks & Spencers Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spensers, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks & Spencers 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 & Spencers 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 Marks & Spencers Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, Marks & Spencers 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 & Spencers Money insurance products (Buildings 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 Mark & Spencers insurance products in document format too.

Autograph Pinstripe Suit Jacket, 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

Older Girls' Diamanté Tortoiseshell Sunglasses, at Marks&Spencer
Fun and fashionable, these diamant tortoiseshell sunglasses give 100% UV protection for safer style in the sun

Footglove™ Widefit Round Toe Pumps, at Marks and Spencer
Round toe Stitch detail Slip-on Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Lilac Cherry Blossom Medium Gift Bag, at Mark & Spencers
1 gift bag Approx size: H260 x W180 (at base) x D120 mm

Pear Necklace and Earrings Set, at Marks and Spencer
2 part set Adjustable length pear design necklace with a clasp fastening Hook fastening pear style drop earrings

Autograph Weekend Cotton Blend Trench Coat, at M&S
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

Per Una Asymmetric Hem Check Coat with Wool, at Marks & Spencer
A fashionable check design coat featuring asymmetric hem and large jewel brooch.

Pure Cotton 3/4 Length Camouflage Belted Shorts, at Marks & Spencers
Relaxed and comfortable, these 3/4 length cotton shorts make a practical, fashionable choice

Light Up Mirror Compartment, at Marks and Spencer
Prop up compartment Internal double mirror Square shape

Pure Cotton Scoop Button Neck Jersey Top, at Marks & Spensers
Bring some casual elegance to your wardrobe with this 3/4 sleeve jersey top featuring button detailing at the neckline giving it an extra stylish twist

Younger Boys' Permair™ Triple Strap Trainers, at M&S
Scuff resistant Triple riptape straps Round toe Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe Stitch detail Grip sole

Flat Front Plain Trousers, at Marks & Spencer
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Cotton Rich Deep Lace Shorts, at Marks n Spencer
These pretty deep lace shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Playmobil Patrol Car Toy, at Marks & Spenser
Suitable for ages 4+ Flash light Hinged back seat Includes car, policemen, storage box with accesories This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cute Hedgehog Micromechanics Mother's Day Card, at Marks and Spencer
Cover text: Happy mother's day Inside message: Just for you Approx size: Unfolded: 150 x 150mm

Soft Grip Solid Spoon, at Marks and Spencer
Hanging loop Soft grip handle L34.5cm, Manufacturer: Marks & Spencer

Handcrafted Sex Bomb Valentine Card with Badge, at Marks & Spencers
Cover text: Sex bomb Inside message: With love on Valentine's Day Approx size: 150 x 150mm

Leather Camera Pouch, at Marks & Spensers
Use this durable leather pouch to keep your camera safe when you are out and about

Short Sleeve Frill Front Shirt, at Marks and Spencer
Smart and stylish, this spot print shirt features a stunning frill front design. A sophisticated new look, perfect for this season

Gold Plated Wave Ring, at Mark & Spencers
Gold plated Wave design

Granddaughter Tiny Fairies Cupcake, at Marks & Spencers
Cover Text: A Sweet Birthday Wishes for a very Sweet Granddaughter Here's a Birthday Greeting, To someone who is so sweet, Hope your very special day, Turns out to be a treat! Inside Message: have a lovely birthday Approx Size: 114mm x 228mm

The Dark Knight DVD, at MarksandSpencer
Release Date: 2008-12-08, Rating Suitable for 15 years and over,

Blue Harbour Pure Linen Fine Stripe Shirt, at Mark & Spensers
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

La Basca Uvas Tintas 2008 - Case of 12, at Marks n Spencer
Style: Full bodied Grape variety: Tempranillo Country of origin: Spain Closure: Synthetic closure Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Morroco Maxi Dress with Bag, at Marks and Spencer
Fun and casual, this easywear dress feels so comfy to wear. Bead detail keeps the look fabulously fashionable

Stormwear™ 3 in 1 Hooded Parka, at Marks and Spencers
Smart and modern, this 3 in 1 parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Multi Hanger Washing Line, at Marks and Spencer
Hanger design Multiple pegs

Thermal Performance Active Long Sleeve Top, at Mark's & Spencer
Innovative and high-performance, this top is made with moisture control and anti-odour technology. They're designed to keep you at a comfortable temperature so you feel warm, fresh and dry

Collezione Luxury Cotton Rich Flat Front Trousers with Cashmere, at Marks and Spenser
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Autograph Pure Linen Shell Button Cushion, at Mark & Spencers
Square shape Shell button feature L56 x W56cm, Manufacturer: Marks & Spencer

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