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

Besides Marks and Spencer Car Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money House 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 & Spencer 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 Mark & Spensers purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier House Insurance and Standard House 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.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Car Insurance, but Mark & Spensers 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 Financial Services 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 House 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 (House 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 & Spensers insurance products in document format too.

Cotton Rich Bootleg Jeans with Belt, at Marks&Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits below the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit.

Autograph Leather Round Toe Zebra Print Pumps, at Marks & Spenser
Round toe Zebra print Slip-on Low heel Heel height: 15mm Comes in sizes 3-8, including half sizes

Dr Dog Book, at Marks & Spenser
Feeling dizzy? Feeling sick? You need the expert attention of Dr Dog! Both pet and personal physician to the Gumboyle family, Dr Dog is always on hand with the perfect diagnosis and remedy for every complaint. So, whether it's tickly tonsils, itchy nits or unspeakable tummy troubles, hear some common sense advice from Dr Dog - the canine consultant that no home should be without

Younger Boys' Bump Toe Lace-Up Boots, at Marks & Spencer
Round bump toe feature Stitch detail Lace-up Flat sole Comes in sizes 4-13

Duvet Vacuum Storage Bag, at Marks & Spencer
Fits all duvet sizes Reduces the space needed for storage by up to 60% Works with a conventional vacuum cleaner Keeps your duvet clean Suitable for storing clothes, Manufacturer: Marks & Spencer

Autograph Sweet Avalanche+ Roses - Dozen, at Marks & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

Silver Plated Interlocking Wave Necklace & Earring Set, at M & S
2 part set Hook fastening drop style earrings Clasp fastening necklace with pendant Interlocking wave design

Autograph 3 Piece Floral Embroidered Dress Outfit, at M & S
Practical and pretty, this cute long sleeve top, dress and tights 3-piece outfit is made from soft fabric to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Pago Real Rioja 2006 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Tempranillo and Garnacha Country of origin: Spain Closure: Natural Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per 125ml: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

Limited Collection Pure Cotton 3/4 Sleeve Top, at Marks & Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Maxim Egg Cup, at M+S
Egg cup Versatile fine dining range Plain porcelain Suitable for everyday use H6.5 x diam 5cm, Manufacturer: Marks & Spencer

Parisian Chic Calendar, at Marks n Spencer
Approx. size: 225 x 390mm

5 Pairs of Older Boys' Cotton Rich Assorted Socks, at M+S
Brighten up his underwear drawer with these fashionable assorted designs socks made with soft breathable cotton

Small Curl Edge Glass Bowl, at Marks & Spensers
Hand decorated Curl edge design, Manufacturer: Marks & Spencer

Divan Sets - F400 ZIPL/NON STO, at Marks & Spenser
Manufacturer: Marks & Spencer

Mixed Bead Necklace & Earrings Set, at M&S
2 part set Adjustable length mixed bead necklace with clasp fastening Hook fastening drop earrings with mixed bead design

Dragon Fly Gift Card, at Marks and Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Floral Design Push Up Multiway Bra, at Marks & Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Short Sleeve Thermal Vest, at Marks and Spencer
Soft, warm and cosy, this short sleeve thermal vest is designed to give comfy insulation, perfect for chilly weather

Floral Pegs Birthday Card, at Marks and Spencer
Cover text: Happy 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: 150 x 150mm

Ultimate Stormwear™ Pure New Wool Single Breasted 2 Button Jacket, at M&S
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Autograph Diagonal Stripe Cufflinks, at Marks and Spencer
Fashionable and contemporary, these cufflinks add a stylish finishing touch

Per Una Multi Strand Acid Slice Pendant Necklace, at Mark & Spensers
Acid slice round pendant Mixed bead design Multi strand Length: 50cm

2 Easycare Long Sleeve Microstripe Shirts, at Marks & Spenser
Smart and stylish, this pack of 2 microstripe easycare shirts is great value. An ideal choice for everyday wear

Anthony the Bear Best Mummy Birthday Card, at M&S
Cover text: To the best Mummy in the world! 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: 150 x 215mm

Footglove™ Leather Ruched Shoes, at Marks & Spencer
Pointed toe Ruched design Slip on Mid heel Heel height: 67mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

12 Piece Albany Dinner Set, at MarksandSpencer
12 piece set Includes 4 dinner plates, 4 side plates and 4 cereal bowls Dinner plates: Diam27cm Side plates: Diam23cm Bowls: H5.5 x Diam18cm Fine china, Manufacturer: Marks & Spencer

Stormwear™ Hooded Block Panel Padded Jacket, at Marks & Spencer
Practical and fashionable, this padded jacket is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Ultimate Non-Iron Pure Cotton Stripe Shirt, at Marks & Spenser
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Classic Collection Swirl Neck Top, at Marks & Spencers
Modern and stylish, this versatile top is made from soft easycare fabric and features swirl neck detail. A fashionable style with a comfortable, flattering fit

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