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

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

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spencers 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 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 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.

Mirrored Tallboy, at Marks n Spencer
H165 x W40 x D36cm With 3 shelves Mirrored glass Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more SAVE ON SETS Save at least 30% when you buy this tallboy as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Older Boys' Short Sleeve Paradise T-shirt, at Marks and Spencers
A practical, casual top in pure cotton featuring a fun paradise slogan and motif. A great value easycare style

Stormwear™ Padded Coat with Reflective Trim, at Marks & Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. It features inside pockets and a reflective trim. Storm cuffs help keep arms warm and hold on gloves

Formula Instant Fix Tinted Moisturiser, at Marks & Spencers
Hypoallergenic Suitable for all skin types 50ml

Autograph Pure Wool Single Breasted 2 Button Jacket, at Marks n Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Latte Ceramic Table Lamp, at Marks and Spenser
Faux silk shade Cylinder stand Two tone reactive glaze base H49.5 x Diam 28cm Bulb: 60W GLS B22 GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Active Urban Leisure Roll Up Sleeve Jacket, at Marks and Spencer
Stylish and practical, this fashionable jecket is ideal for workouts or relaxed casualwear.

Older Boys' Cotton Rich Transformers Vest & Trunks Set, at Marks and Spencers
A must for fans of Transformers, this cotton rich vest and trunks set features Bumblebee

Pure Wool Ankara Rug, at Marks & Spencers
Made from New Zealand wool Traditional pattern Fringed design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Mantle Clocks - TIN MANTLE CLOCK, at Marks & Spencers
Manufacturer: Marks & Spencer

PlayStation®2 Singstar Abba, at Mark & Spensers
For ages 3+ Sing along to Abba Download new songs via the SingStore Upload your video performances with My SingStar Online 2007 Sony Computer Entertainment Europe 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

Autograph Long Sleeve Stretch Cotton Fitted Shirt, at Marks and Spencer
Modern and stylish, this shirt is cut closer for a contemporary look. It's made from comfortable cotton with added stretch for a great fit. Ideal for sixth form wear

Lace Trim Midi Knickers, at Mark & Spencers
Characterised by a wonderfully flattering low leg, a lace design sets a smart tone for the soft, easy to care for comfort of these lovely midi briefs

Cashmilon™ Long Sleeve Polo Neck Jumper, at M&S
Fashionable and flattering, this long sleeve jumper is made from supersoft cashmilon™ and features a polo neck

Lego™ City Dump Truck Toy, at Marks & Spencers
Suitable for ages 5+ Tilt the bed and dump the load Includes 1 construction worker, barrier, rocks and road sign Measures 8''(20cm) long and 3''(7cm) high This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Detachable Clear Bra Straps, at Marks & Spenser
These clear straps attach to our multiway bras to give you a more discreet option

Fern Large 2 Seater Sofa, at Mark & Spencers
H98 x W220 x D98cm Seat: H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining Ecoflex™ foam - superior quality foam with a high density for added comfort and support, made with 80% recycled plastic bottles Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Available with loose cushion covers 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 glides Includes 2 free matching cushions Available in Fairtrade certified cotton (cream coloured) 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 0845 603 1 603 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Pintuck Shirt, at Marks & Spencer
This fashionable long sleeve shirt is made from pure soft cotton that looks and feels great. Modern styling pintuck front detail gives it a cool contemporary edge

Pure Cotton Embroidered All In One with Hat, at Marks & Spensers
A great choice for active babies, this soft cotton romper suit is comfortable and practical. A striped hat adds a cute finishing touch

2 Angel Cotton Rich Underwired First Bras, at Marks and Spencer
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

Pure Cotton Thomas & Friends© Stripe Hooded Cardigan, at Marks & Spencer
Fans of Thomas & Friends will love this pure cotton cardigan featuring Thomas. A practical, easycare style

Autograph Opaque Tights with Cashmere, at Marks & Spenser
These comfortable opaque tights are made with added stretch and a reinforced toe for durability

Summer Manor Side Plate, at Mark & Spensers
Floral design Fine china Diameter 21.5cm, Manufacturer: Marks & Spencer

Limited Collection Faux Crocodile Skin Leggings, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Roberts RD-21 FM RDS/DAB Portable Digital Radio in Black, at Marks & Spencers
FM/DAB wavebands FM RDS station name display and easy read 16 x 2 character LCD display Menu display/selection of all major functions Search/manual tuning Rotary tuning, volume, bass and treble controls Line output, headphones and AC mains socket Uses 6 x LR20 (D size) batteries (Not included) with up to 150 hours battery life W300 x H180 x D95mm Weight 2kg 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

Limited Collection Modal Blend Lace Trim Shorts, at Marks and Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from modal blend and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Autograph Leather Miami Scoop Bag, at Marks and Spencers
Stylish and luxurious, this chic leather handbag is designed in a classic shape that will never date. It's strong, practical and highly desirable

5 Pairs of Cotton Rich Assorted Socks, at Marks & Spencer
Cute and comfy, these soft cotton rich socks feature assorted designs

5 Pairs of Younger Girls' Assorted Design Socks, at Marks and Spencers
Stock up on stylish essentials with this pack of 5 pairs of assorted design socks

Per Una Chiffon Neckline Knitted Top with Angora, at Mark's & Spencer
An elegant 3/4 sleeve top with fluffy angora featuring chiffon neckline panel

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks & Spencers Standard Motor Insurance. With Marks & Spencers 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 & Spencers 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 & Spenser, 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 Financial Services, you get more, and you pay less.