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 M&S are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks & 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, 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 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&Spencer 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, 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 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.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Motor Insurance. With Marks & Spencer Money you can keep the cost of your Motor 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 Motor Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencer, 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 Motor Insurance from M&S Money, you get more, and you pay less.

Thelema Sutherland Chardonnay 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: 100% Chardonnay Country of origin: South Africa Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites This product is not available for international delivery. Find out more

Post Surgery Embroidered Non Wired Padded Bra, at Marks & Spencers
Pretty and feminine, this embroidered bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Autograph Small Rollercase, at Marks and Spenser
Free 5 year guarantee Take the hassle out of travel with the practical, easy to transport and stylish design of this spacious rollercase. Perfect for business travel, this case includes a garment carrier and shoe bag Includes free i-trak luggage ID service see details below

Big & Tall Autograph Pure Cotton Stripe Shirt, at Marks and Spenser
Stylish and contemporary, this Pure cotton stripe 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. Perfectly proportioned for big and tall men Only available in XXXL

Pure Cotton Deer All-in-One & Hat Set, at Mark & Spensers
Fun and practical, this cute 2-piece outfit features an all-in-one and matching hat. It's made from soft cotton to keep her comfy

Bialetti Aluminium Teapot, at Marks and Spencer
Attached lid 6 cup capacity, Manufacturer: Marks & Spencer

PlayStation® 2 Ben 10: Protector Of Earth, at Marks and Spencers
Take control of the Omnitrix and play as 5 different alien heroes from the show, including Four Arms, Heatblast, Cannonbolt, Wildvine and XLR8 Collect experience points to upgrade your characters and unlock over 80 combo moves Venture to 14 different levels and unlock 4 challenge locations Challenge your friends in battle mode or play together in 2-player co-op mode Unlock additional content including character skins, show clips and never-before-seen concept art 2007 Sony Computer Entertainment Europe This product is not available for international delivery. Find out more 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: Kids to Adults

Faceted Bead Ribbon Necklace, at Marks & Spensers
Faceted beads Ribbon necklace Tie fastening Necklace length 107cm

Ceriso Styled Floral Embroidered Thong, at Mark & Spencers
Elegant and stylish, this modern thong features floral embroidery and a lace trim. It fits and drapes beautifully and feels blissfully comfortable to wear. Feminine everyday lingerie

Limited Collection Full Length Leggings, at Mark & Spensers
Part of our fashionable and trend-led Limited Collection, these leggings will see you through the season in style

Peppa Pig's Little Library, at Mark's & Spencer
Six delightful mini Peppa storybooks in a slipcase. The six books together make a jigsaw.

8 Cup Cafetiere, at Marks and Spenser
8 cup capacity Clear jug Metallic frame Contrasting lid and handle, Manufacturer: Marks & Spencer

Bright Text Mum and Dad Anniversary Card, at Marks and Spencer
Cover text: Happy anniversary Mum & Dad Inside message: With lots of love Approx size: Unfolded: 178 x 126mm

Bear Collection - Cuddle Robe with Mitt, at Marks and Spencers
75 x 75cm Contrast trim Pure cotton Embroidered bear design, Manufacturer: Marks & Spencer

Blue Energy Shower Gel, at Marks n Spencer
200ml

Classic Collection 3/4 Sleeve Poly Print Blouse, at MarksandSpencer
Smart and stylish, this poly print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Divan on Legs & F400 Coolmax° Mattress - Medium, at Marks & Spencer
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 L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 25cm Divan Height: 31cm Individually pocketed springs Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Mattress Spring Count: 1225 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

Cafe Stripe Curtains, at M & S
Eyelet Cafe stripe design Lined Comes in standard 168cm/66in and wider 219cm/86in widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Elasticated School Plimsolls, at Marks and Spencers
Slip on Elasticated side band Thick ribbed sole Round toe

Pure Cotton Long Sleeve Bold Stripe Shirt, at Marks and Spencer
Smart and stylish, this long sleeve bold stripe shirt is made from pure cotton

Large Rectangle Face Watch, at Marks n Spencer
Buckle fastening Analogue Rectangle face

Dora The Explorer Follow The Music Piano Sound Book, at Marks & Spenser
Children will love pressing the buttons and singing along to this Dora The Explorer piano sound book which includes 9 beautiful songs

No VPL Animal Print Low Rise Shorts, at Marks and Spencers
For the ultimate no-show look, these stretchy seamfree shorts are perfectly smooth with bonded edges. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Age Defence Radiance Energising Mask, at Marks and Spencer
75ml Suitable for all skin types Hypoallergenic

2 Cotton Rich Cropped Leggings, at Marks and Spencer
Stock up on essentials for less! This great value pack of 2 cropped leggings is comfortable, practical, fashionable and easycare

Pure Cashmere Floral Embroidered Cardigan, at Marks and Spencers
Knitted in pure cashmere, this pretty embroidered cardigan will keep her warm and comfy. It looks cuddly too!

Pure Silk Lightweight Bold Abstract Border Paisley Scarf, at Marks & Spencer
This sophisticated multi spot scarf is the perfect accessory to this season's fashions. The abstract paisley border design a stylish finishing touch

Hellboy 2 Blu-ray DVD, at Marks and Spencer
Rating Suitable for 12 years and over,

Portfolio Wide Leg Tab Detail Trousers, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Pure Silk Ethnic Spot Print Tie with Stain Defence™, at Marks and Spencer
Add a luxurious finishing touch with this smart ethnic spot print tie in pure silk

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.