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 & Spencer 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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

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

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

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

Autograph Jewel Cufflinks, at M&S
Provide the perfect finish to your smart attire with the elegant design of these sophisticated cufflinks

Pure Cotton Long Sleeve Stripe Top, at Marks&Spencer
This fashionable top features a stylish button detail cuff for a fab contemporary look

Autograph Pure New Wool Dove Grey Waistcoat, at Marks & Spencers
For a thoroughly smart appearance, the traditional lines of this pure new wool waistcoat are handsomely complemented when paired with a silk cravat and formal shirt

Floral Hanging Cosmetics Organiser, at Mark's & Spencer
Single handle Floral design 3 compartments Matching mirror Hanging hook Lined

2 Embroidered Stripe Non-Wired Bras, at Marks & Spenser
Soft and comfortable, these stripe bras are structured for secure support and an enhanced natural shape. Ideal for everyday wear

MoDA Carriages Bamboo Paper Blank Card, at Marks & Spencer
Cover text: Blank Inside message: Blank for your own message Dimensions: 150 x 150mm Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet!

Rioja Campo Aldea Tempranillo 2008 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Older Girls' Permair™ Flower Bar School Shoes, at Marks and Spencers
Round toe Floral detail Single riptape fastening strap Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Autograph Pure Cotton V-Neck Cardigan, at Mark & Spencers
Contemporary and stylish, this pure cotton cardigan is detailed with a contrast trim for a modern look. Ideal for sixth form wear

2 Older Girls' Sport Santoni Bras, at M+S
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit

Petite Funnel Neck Water Repellent Belted Mac, at Marks n Spencer
Practical and fashionable, this water resistant mac is perfect for drizzly days. Specially designed and perfectly proportioned for the petite frame

Leaf & Buds Cushion, at Marks & Spencers
Square shape Leaf print L50 x W50cm, Manufacturer: Marks & Spencer

4 Beef Wellingtons, at Mark & Spencers
Serves 4 Ready to cook Suitable for freezing 980g As featured on page 35in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

18 Cocktails Birthday Card, at M & S
Cover text: Happy Eighteenth Inside message: Blank for your own message Approx size: 150 mm x 150 mm

Silver Plated Rameses Abalone Earrings, at Marks and Spencers
Hook fastening Drop style Abalone pendant For hygiene reasons, refunds will only be given in accordance with your legal rights

Square Buckle Leather Belt, at Marks and Spencer
Add a smart finishing touch with this leather square buckle belt

Abbot Chair, at Marks & Spencer
H78 x W76 x D78cm Seat H43cm, arm H71cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Solid birch feet with a medium dark finish 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

Square Print Pleated Shirt, at Mark & Spensers
This fab long sleeve shirt features a stunning pleated design. A sophisticated new look, perfect for this season

Woven Pure Silk Bold Stripe Tie, at Marks and Spencers
Add a luxurious finishing touch with this smart bold stripe tie in pure silk

2 DD-G Plain Padded T-shirt Bras, at Marks & Spencer
Providing great value and comfort for everyday wear, these plain and simple wired bras combine supportive full cups with convenient easy to care for fabric

2 Piece Multi Spot Dungaree Outfit, at Marks & Spencer
Practical and pretty, this cute dungaree and bodysuit 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Plain Lightweight Underwired Bra, at Mark & Spencers
Sleek and modern, this bra is so light and comfortable you will hardly know you're wearing it. Smooth moulded cups give no visible outlines under clothing. Designed for women who want a streamlined silhouette

Older Boys' Shark Embroidered Swim Shorts, at Marks and Spencers
Fun and fashionable, these lined shorts fit comfortably and securely. A shark embroidered design adds a fab finishing touch

Two Dozen Metre-Long Premium Freedom® Roses, at Mark & Spencers
The ultimate in romantic luxury, make an impression they'll never forget this Valentine's with two-dozen long-stem premium roses. In deep shades of vibrant red, these stunning Freedom roses are cut to approximately a metre in length to create a deluxe bouquet that's simply unforgettable

Fresh Rose Infusion Sticks, at Marks and Spencer
Glass container Long lasting infusion sticks Fresh rose scented, Manufacturer: Marks & Spencer

Sapporo Side Table, at Marks and Spenser
H45 x W45 x D45cm Made from solid bamboo and bamboo veneer Finished with a matt lacquer that provides the pieces with extra protection and durability Legs made from solid wood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. 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 , Manufacturer: Marks & Spencer

Per Una Cotton Rich Crochet Trim Padded Bra, at Marks and Spencer
Elegant and feminine, this stylish bra is made from soft stretch cotton. Soft padding and underwiring give support and a flattering natural shape. Pretty everyday fashion

F200 Pocket Sprung Memory Foam Mattress with Coolmax°, at Marks and Spencers
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Spring count: 930 Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel Anti-allergy protected for the life of the mattress Does not require turning 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

Domaine de la Clapière Jardin de Jules 2006 - Case of 12, at Marks & Spenser
Style: Full Bodied Country of origin: France Closure: Natural cork Bottle: 12 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

Non Iron Short Sleeve Check Shirt, at Marks & Spenser
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

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 & Spensers 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.