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

M+S 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 Property 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 Property 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, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

Walkmates Sporty Riptape Trainers, at Marks and Spenser
Click here for more information on Walkmates shoes Double riptape fastening Round toe Contrast stitch detail

Adored Pansy Lace Non-Padded Bra, at Marks and Spencer
Soft and stylish, this gently supportive bra is made from the softest fabric and lace, so it's blissfully comfortable to wear. It's structured for secure support and a natural uplifted shape. Feminine everyday lingerie

Double Bridge Sunglasses, at Marks and Spencers
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Collezione Luxury Wool Rich Trousers with Cashmere, at Marks and Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

Chuggington Actions Book, at Mark's & Spencer
Chuggington fans will love this fun book. It's filled with great stories featuring Chuggington Action

Younger Girls' Buckle Pull-On Boots, at Marks & Spencer
Round toe Pleat design Buckle detail Pull-on Block heel

Ties Gift Card, at Mark & Spensers
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

Silver Finish Wood Photo Frame 20 x 25cm (8 x 10"), at Mark's & Spencer
Rectangle shape Pine wood border Silver finish Aperture: 20 x 25cm (8 x 10") Dimensions: H30.5 x W38.1 x D2.7cm, Manufacturer: Marks & Spencer

2 Autograph Stripe Hipsters, at Marks n Spencer
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Glass Vase, at Marks and Spenser
This large glass vase is suitable for all but the largest and shortest bouquets in our range

PlayStation®2 The Sims™ 2 Castaway Game, at Marks & Spensers
Explore caves, beaches, jungles and even a volcano Design and create items from the island's natural materials Discover the island's many secrets You must be 12 years of age or over to purchase this product 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

The Floral Collection Rose Hand & Nail Cream, at Marks and Spencer
Rose fragrance Moisturising 100ml

Autograph Leather Laced Desert Boots, at Marks & Spencers
Round toe Lace-up Stitch detail Block heel Contrast sole

Bootleg Jersey Trousers, at Marks & Spencers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Blue Harbour Pure Cotton Crew Neck T-shirt, at Marks & Spenser
Fashionable and relaxed, this crew neck t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Oval Nugget Drop Earrings, at Marks and Spencers
Hook fastening Drop style earrings For hygiene reasons, refunds will only be given in accordance with your legal rights

Jacquard Front Floral Full Briefs, at Marks & Spencers
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

Best Of British Trivia Card Game, at Marks & Spencers
Number of players: 2+ Suitable for ages 14+ Contains: 150 question cards, score pad, pencil and instructions Approx. card size: 58 x 88mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Olive Tree, at Marks and Spencer
A small olive tree, great for patio or doorstep. Ready for re-planting into a terracotta or ceramic potAvailable for delivery from 1st April to 30th September 2009

125 Years Gift Card, at M&S
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online 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

Leather Formal Square Buckle Belt, at M+S
Add a smart finishing touch with this leather square buckle belt

Portfolio Petite Lace Ponte Dress, at M&S
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.

Detroit Extending Dining Table & 6 Alton Damask Chairs Set, at Marks n Spencer
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H99 x W46 x D55cm Table seats 6-8 Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Skinny Jeans, at Marks & Spencer
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

Autograph Essentials Double Breasted Trench Coat with Belt, at Marks and Spencer
Modern and stylish, this double breasted trench coat features a waist tie belt. A contemporary style in superior fabric, it will instantly update your wardrobe

5 Assorted Design Rings, at M&S
Pack of 5 Assorted designs Gift boxed

Classic Lila Lace Trim Full Briefs, at Marks and Spencer
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

Girls' Limited 3/4 Length Harem Jogging Bottoms, at Marks & Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Malabar 3-Door Sideboard & Glazed Top Unit Set, at Marks and Spencer
Top unit: H114 x W174 x D47cm Top unit has 6 adjustable shelves and toughened glass doors Sideboard has 3 drawers, 3 cupboards and an adjustable shelf in each cupboard Sideboard: H90 x W180 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

Limited Collection Double Buckle Strap Shoes, at Marks n Spencer
Round toe Double buckle strap fastening Stitch detail Mid heel Heel height: 35mm Comes in sizes 3-8, including half sizes

Besides Marks and Spencer Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Property 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 M+S 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 M+S Money Premier Property Insurance and Standard Property 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.