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

Besides Marks & Spencer Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With Marks & Spencers Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spencers Standard Car Insurance. With Marks & Spencers 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 Marks & Spencers 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&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 Car Insurance from M&S Money, you get more, and you pay less.

Road Monsters Police Vehicle Set, at M&S
Suitable for ages 3+ 5 police vehicles Die cast police car, van, 4x4 vehicles and a helicopter Imaginative play This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton 3/4 Sleeve Stripe Parka, at Marks and Spencer
The stripe print parka is a must-have item this season. This version, made from a soft easycare fabric, features a modern 3/4 length sleeve turn up design

Beaded Capri Twist Necklace, at Marks and Spenser
Clasp fastening Chunky bead design Necklace length 45cm, extendable by 8cm

Blue Harbour Luxury Pure Cotton Check Shirt, at M&S
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

Schoolwear Plus Fit Double Button Bootleg Trousers, at Marks & Spenser
Easycare and crease resistant, these practical larger sized trousers are great value View Plus Schoolwear Size Guide. Find out more

Pure Cotton Tear Drop Spot Pyjamas, at Mark & Spensers
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Classic Collection Wide Leg Jersey Trousers, at Marks & Spencers
An ideal choice for casual everyday wear, these wide leg trousers are finished with a flattering cut. They look stylish worn with knitwear or casual tops in complementary colours

Super Husband Anniversary Card, at Marks & Spencer
Cover text: To my super husband Inside message: On our anniversary xx Approx size: 230 x 114 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Soft Vanilla Pillar Candle, at Marks and Spencer
Vanilla fragrance Chunky design Ribbed detail Includes shallow holder H7 x D2.5cm, Manufacturer: Marks & Spencer

Per Una Face Palette, at Mark & Spencers
Hypoallergenic Includes: 18 eyeshadows, 12 lip colours, a bronzer and 3 cheek colours

Cotton Rich Chunky Cardigan, at Mark's & Spencer
Contemporary and casual, this long sleeve cardigan is made with comfortable breathable cotton. A fabulous fashionable look

5 Cotton Rich Assorted Low Leg Knickers, at Marks and Spenser
These heart design cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

3 Authentic Pure Cotton Assorted Design Boxers, at Marks & Spensers
Add colour to your underwear drawer with these comfy pure cotton assorted boxers

Animal Print Trim Bodyshaper Swimsuit, at Marks & Spensers
Modern and stylish, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Designed to fit and flatter

Natural Duvets - 9.0 COOL COT DVT, at Marks & Spencer
Manufacturer: Marks & Spencer

Blue Harbour Pure Lambswool Zip Neck Argyle Jumper, at Marks & Spencer
An extremely comfortable zip neck argyle jumper. It's made from extra fine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

First Readers Jack and the Beanstalk, at M&S
This popular story is part of the First Readers range. Jack thinks he's clever to sell their old cow for five magic beans. But Jack's in trouble as his mother thinks the beans are worthless and throws them away. Find out what happens next!

Pure Cotton Sleeveless Heart Print Vest, at M & S
A heart print adds a fashionable touch to this soft cotton sleeveless vest

Nostalgic Photo Great Grandad Birthday Card, at Marks and Spencers
Cover text: Have a truly Champion Birthday! Many Happy returns, Great Grandad Inside Message: With love Approx size: 215 mm x 150 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Autograph Pure Cotton Damask Duvet Cover, at Marks and Spencer
Berry damask print Reversible Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Sony Cyber-shot™ DSC-W210S Digital Camera, at M&S
Pixels: 12.1 Megapixels Zoom: 4x optical zoom lens, 25x smart zoom(with VGA), 8x precision digital zoom Screen: 2.7'' screen with wide viewing angle ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: W95.2 x H56.5 x D21.8cm Weight: 117g BIONZ processor for enhanced image quality, reduced image noise and fast shooting response HD output for display on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV D-Range Optimizer with new Plus mode adjusts exposure and contrast in high-contrast and backlit scenes Fun in-camera retouching functions including trim, red-eye correction and artistic filters Picture Motion Browser software simplifies image management, searches and viewing on PC Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes 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

4 Lemon Soufflés, at Marks & Spencer
Order by 5pm to collect in 5 days 4 Souffls Serves 4 Not suitable for nut allergy sufferers 4 x 80g Available for collection in the majority of our UK mainland stores As featured on page 47 in the food to order brochure

Per Una Pure Linen Safari Shorts with Belt, at Marks & Spenser
Comes with belt shown in imageCasual metallic shorts in pure cool linen featuring a turn up hem with side tab detail

Per Una Asymmetric Hem Check Coat with Wool, at Marks&Spencer
A fashionable check design coat featuring asymmetric hem and large jewel brooch.

Short Sleeve Front Circle Detail Top, at Marks and Spenser
This scoop neck top makes a perfect way of getting the smart casual look this season. It has a circle and pintuck detail for an extra touch of stylish chic

Gold Plated Simple Twist Pendant Necklace, at Marks & Spencer
Fine chain Clasp fastening Simple twist pendant Length: 40cm Extender: 7.5cm

Pure Cotton Robot Fun Joggers, at Marks & Spencer
Relaxed and comfortable, these casual joggers are made from pure cotton and feature a pull tie fastening waist. A practical easycare choice

Indian Summer Pure Cotton Embroidered Runner, at Mark & Spencers
Dimensions: L230 x W33cm Leaf embroidered design, Manufacturer: Marks & Spencer

Classic Collection Assorted Floral Print Mesh Skirt, at Marks n Spencer
Elegant, stylish and comfortable, this mesh skirt features an assorted print. The ideal match for blouses and fine knits in coordinating colours

Per Una Roma Pure Cotton Wide Leg Belted Trousers, at M&S
A fashionable pair of wide leg trousers in pure soft cotton featuring front pockets making it extra stylish

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 Car 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; Car Insurance and Household 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 Household 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.