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 & Spencers Money financial products are, of course, designed to make Marks and 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.

Shopping for financial products at Marks & Spencers 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 Marks & Spencers Money website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings 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 and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Marks and Spencer 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 & Spenser 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 M&S Money Direct 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 Marks & Spencers insurance products in document format too.

Couple Dancing Wedding Card, at Marks and Spencers
Cover text: To a special couple with all out Love On your Wedding Day Inside message: Blank for your own message Approx size: Unfolded: 178 x 126mm

Per Una Floral Lace Underwired DD-G Bra, at Marks and Spenser
Flattering and comfortable, this bra is specially designed for fuller busts. The push up style gives gentle support and a flattering enhanced cleavage

Panasonic Lumix DMC-FX550 Digital Camera, at Marks and Spenser
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Screen: 3.0" TFT Touch Screen LCD Display (230K dots) / Field of View : approx. 100%, Wide Viewing Angle / AUTO Power LCD mode, Power LCD mode ISO: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: 9.4 x 5.7 x 2.1cm Weight: Approx. 167g (with Battery and SD Memory Card), Approx. 145g (without) Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV

Ceriso Silk Rich Lace Trim Bikini Knickers, at Marks and Spencers
Fashionable and flirty, these lace trim bikinis are fantastic value for luxurious silk and they're machine washable too!

Blue Harbour Luxury Short Sleeve Birdseye Polo Shirt, at Marks & Spencer
Stylishly smart casual, this polo shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Autograph Leather Dispatch Shoulder Bag, at Mark's & Spencer
Fashionable and practical, this leather dispatch bag features a single adjustable strap and fold over style front

Chunky Sparkle Bead Necklace, at Marks & Spenser
Mixed bead feature Chunky style Sparkle detail Intermittent design Necklace length 45cm, extendable by 8cm

Cotton Rich Straight Leg Jeans, at M+S
Simple and stylish, straight leg jeans are a modern classic. This pair sits on the waist and are cut to give a sleek flattering shape that's always in style. Added stretch gives the perfect fit

Cotton Blend 3/4 Sleeve Stripe Longline Top, at Marks and Spenser
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Stormwear™ Pure Cotton Single Breasted Mac, at MarksandSpencer
Fashionable and practical, the mid length single breasted mac is a wardrobe essential this season. This version in a water resistant easycare fabric features a modern large button detail

Autograph Wool Rich Flat Front Trousers, at MarksandSpencer
Fashionable and contemporary, these flat front trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Cotton Blend Fairy Print Bedset, at Marks & Spenser
3 part set Set includes single duvet cover, pillowcase and printed bag Fairy print, Manufacturer: Marks & Spencer

5 Cotton Rich Seamfree Full Briefs, at Marks n Spencer
These seamfree cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Clear Crook Umbrella, at Marks & Spencer
This stylish umbrella features a wide canopy for extra protection from the elements, keeping you drier

Ditsy Floral Print Flexilite Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

Clear Glass Lantern, at M&S
Hanging feature Circular glass holder H 7.5 x Diam 7.5cm, Manufacturer: Marks & Spencer

2 Older Girls' Snoopy™ Crop Tops, at Marks & Spenser
A must for fans of Peanuts, these crop tops feature Snoopy™

Hearts on a String Stripy Husband Anniversary Card, at Marks n Spencer
Cover text: With Love, To my wonderful Husband Inside message: Love from This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125mm

Sterling Silver Mother of Pearl Ring, at Marks and Spencer
Broad design Mother of Pearl feature

Gold Plated Sparkle Hoop Necklace & Earring Set, at Marks&Spencer
Butterfly stud fastening earrings Clasp fastening necklace with adjustable length Hoop and sparkle design

Chuggington Sound Book, at Marks & Spencer
Wake up, chuggers.. Its training time! Help me, Wilson and Brewster find shapes, hunt for colours and learn to count as we roll around Chuggington town. Press the sound button to hear our theme tune and sing along as you go!

Heritage Collection - Chandelier, at Marks and Spenser
Candle effect shades 5 arms Interlinked ball design 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 , Manufacturer: Marks & Spencer

Very Wacky Jokes, at MarksandSpencer
This wacky book is jam packed with hundreds of side-splitting jokes! You'll laugh out loud at the crazy, gross and stupidly stupid jokes!

Baroque Opaque Tights, at Marks and Spencer
Treat your legs to a touch of style. These baroque tights have a durable reinforced design to keep them looking good, wear after wear.

Handcrafted Tea Cups Mother's Day Card, at Marks and Spencer
Cover Text: Take it easy on Mother's Day! Inside Message: With lots of love Approx size: 178 x 126mm

Hello Kitty Necklace & Bracelet Set, at Marks & Spensers
2 part set Clasp fastening fine chain necklace Clasp fastening link bracelet with adjustable length Hell Kitty pendant Necklace: 41 cm Bracelet: 17cm 1976-2009 SANRIO CO., LTD

5 Pure Cotton Assorted Bodysuits, at M&S
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Per Una Lash Extension Mascara, at Marks and Spencers
Lash lengthening mascara Hypo-allergenic

Per Una 3/4 Sleeve Knitted Top with Angora, at Marks and Spencer
An elegant 3/4 sleeve top with fluffy angora featuring chiffon neckline panel

Per Una Organic Cotton Broderie Shorts, at Marks and Spenser
Elegant and feminine, these stylish shorts feature a floral broderie design. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Marks & Spencers 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 & Spencers 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 Spenser 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 & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.