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

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

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

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the M&S Money website:

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

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

Per Una Speziale Long Wear Nail Polish, at Marks & Spensers
Long wear nail polish Chip resistant Up to 5 days wear 9ml This product is not available for international delivery. Find out more

Classic Collection Pure Cotton Frill Neck Top, at Marks and Spenser
Feminine and pretty, this versatile 3/4 length sleeve top is made from soft easycare fabric and features frill neck design. A fashionable style with a comfortable, flattering fit

Autoritas Shiraz 2006 - Case of 6, at Marks and Spencer
Style: Dry, rich and fruity Grape variety: Shiraz (Syrah) Country of origin: Chile Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 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

Autograph Open Face Date Watch, at Marks and Spencers
Stylish and contemporary, this analogue watch features a large time display with day indicator, fashionable and practical must-have

Autograph Leather Hooded Parka, at M&S
Beautifully designed and luxurious, this hooded parka is made from real leather. A sophisticated, contemporary look

4 Linen Mugs - Beige, at Marks & Spencers
Set of 4 Linen floral print Height: 11cm, Manufacturer: Marks & Spencer

Pure Cotton 3/4 Turn-Up Sleeve Check Shirt, at Marks and Spencer
Smart and stylish, this 3/4 turn-up sleeve shirt is made from cool comfortable cotton and features front pockets and check print

Signature Pot Pourri Box, at Mark's & Spencer
Beautifully presented in a box, this sweet scented potpourri selection will instantly freshen any room in your home

2 Big & Tall Autograph Mini Rib Hipsters, at Marks&Spencer
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Classic Collection Floral Print Skirt, at Marks & Spencers
Elegant and feminine, this floral print skirt is designed for a shapely silhouette. A smart modern look

Mini Limited Pure Cotton Short Sleeve Zebra Top, at MarksandSpencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Hand Made Spring Flowers Birthday Card, at Marks and Spenser
Cover text: Wishing you a lovely Birthday Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Footglove™ Cutout Pumps, at Marks & Spencers
Round toe Cut out design Slip on Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

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

Dogtooth Print Crook Umbrella, at Marks & Spencer
Brighten up rainy days with this stylish lightweight umbrella

5 Pure Cotton Assorted Monster Bodysuits, at Marks and Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines makes quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

5 Embroidered High Leg Knickers, at Marks & Spenser
These high leg knickers are perfect for everyday wear and this multipack makes a great way to stock up your underwear drawer

Rosso di Puglia 2008 - Case of 12, at M+S
Style: Full bodied Grape variety: Primitivo and Negroamaro Country of origin: Italy Closure: Screw cap Suitable for vegetarians 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

Bright Prints A4 Notebook, at Marks n Spencer
Contains: 1 A4 notebook Check design Approx size: 216 x 295mm (including spiral binding)

Portfolio Cotton Rich Bootleg Joggers, at Mark & Spencers
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

Autograph Weekend Cotton Rich Skinny Jeans, at Marks & Spensers
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

Boxed Mirror Photo Frame H29 x W24cm (4 x 6''), at Mark & Spencers
Boxed mirror glass design H29 x W24 x D3cm Aperature: 10 x 15cm (4x6'') 1.3kg, Manufacturer: Marks & Spencer

Artificial Small Willow Twigs with Lights, at Marks & Spenser
String tied base Ready Made arrangement that needs no after care H80cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Zephyr Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape Variety: Sauvignon Blanc Country: New Zealand Closure: Screwcap Suitable for vegetarians and vegans Bottle: 6 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

Medium Value Soft Leaf Print Rollercase, at Marks & Spensers
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

4 Maxim Wine Glasses, at Marks & Spencers
Pack of 4 Height 21.5cm 36cl, Manufacturer: Marks & Spencer

Malabar 2 Door Sideboard & Glass Top Unit Set, at Marks & Spencers
Glazed top unit: H114 x W124 x D47cm 6 shelf unit with 2 doors 2 drawer and 2 door sideboard, each cupboard with 1 adjustable shelf inside Side board: H90 x W130 x D50cm Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles Glass doors are made from safety-tested toughened glass All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Diamanté Square Face Watch, at Marks & Spenser
Clasp fastening Diamant detail Square face Analogue

Wisteria Luggage Weekend Rollercase, at Marks & Spencer
Free 5 year guarantee Supported by sturdy wheels and a stand-alone feature, this rollercase is the ideal option for short trips away. It has dual packing compartments and a big 37 litre capacity

Autograph Weave Print Tie, 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

Marks and Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but M & S 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 M&S Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money insurance products (Home Insurance, Car 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's & Spencer insurance products in document format too.