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. Marks & Spencer Money financial products are, of course, designed to make Mark & 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, Buildings Insurance policies. Usually, UK Buildings 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 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 Insurance than you will anywhere else, and you may even pay less with M&S.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Mark's & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days M+S, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser 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 Car Insurance, M&S Buildings 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&Spencer, 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.

Per Una Leather Notched Belt, at Marks & Spencer
A bold buckle makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Per Una Rib Knit Belted Dress, at Marks & Spencers
A sophisticated rib knit dress in a cotton blend fabric featuring a button detail neckline and scallop trim

Light-up Groovy Grandad Birthday Card, at Marks and Spencer
Cover text: Grandad Happy Birthday Inside message: Have a great day! Approx size: 215 x 150mm

Meccano Road Monsters Mini Buggy, at M&S
Suitable for ages 3+ Imaginative play 2 fun models to build and play with Over 50 parts Tools included This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Round Face Faux Crocodile Print Watch, at M+S
Round face Metallic rim Analouge Large numerals Faux crocodile print strap

Autograph New York Body Cream, at Mark's & Spencer
Moisturising 200ml

Happy Birthday Special Sister Card, at Marks and Spencer
Cover text: Dear Sister... With warmest wishes for all of life's nicest things... Because it's your birthday and because you're someone who's very special Inside message: Have a wonderful birthday Approx size: 215 x 150mm

Pure Cotton Loop Bathmats, at Marks & Spenser
Block colour design Bathmat: L80 x W50cm Pedestal:: L55 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Reggiano Rosso Single Estate 2008 - Case of 12, at Marks n Spencer
Style: Light bodied Grape variety: Lambrusco Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sony Stamina Plus AAA Alkaline Batteries - Pack of 4, at Marks and Spencer
Voltage (V): 1.5 Cells per pack: 4 Size: AAA / LR03 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

Sicilian Pinot Grigio Blush Rosé 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Pinot Grigio 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

Glass Crackle Mirror Photo Frame 7.5 x 7.5cm (3 x 3"), at Marks & Spencers
Plain trim Crackle mirror effect Square shape Aperture: 7.5 x 7.5cm (3 x 3''), Manufacturer: Marks & Spencer

Autograph 3 Piece Pure Cotton Corsage Cardigan Outfit, at Marks&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

Autograph Tinted Moisturiser, at Marks & Spencer
Firming tinted moisturiser Matt finish With ceramides SPF 15 Hypo-allergenic Oil free 30ml

Sun Formula Self Tan Facial Applicator Mitt, at Marks and Spencers
Water resistant barrier protects your hands from staining Hand wash for repeated optimum results This product is not available for international delivery. Find out more

Barrel Arm Sunglasses, at Marks & Spensers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Blue Harbour Pure Linen Chinos, at M & S
Stylish, fresh and comfortable, these smart casual chinos are made from pure cool linen

Radcot Headboard, at Marks & Spenser
Headboard H132.5cm Dbl: W158.5cm 5ft: W173.5cm 6ft: W203.5cm Made from solid oak Supplied with all fittings Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself 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

St Hallett Unearthed Shiraz Durif Tempranillo 2006 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Shiraz, Durif, Tempranillo Country of origin: Australia Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Cotton Rich Padded Underwired Bras, at Marks & Spencer
Soft and comfortable, this pack of 2 bras is great value. They're designed to give gentle support and a flattering fit

Autograph Pure Cashmere Knitted Scarf, at Marks & Spencer
Indulge in a touch of luxury with this pure cashmere knitted scarf. It looks and feels gorgeous and comes in a range of beautiful colours so you'll be able to accessorise every outfit

Large Woven Straw Holiday Bag, at Marks and Spencer
Functional and stylish, this spacious holiday bag is ideal for carefree days on the beach or shopping at home

Per Una Empire Line Check Blouse, at Marks & Spenser
A fashionable 3/4 sleeve blouse featuring a check print and empire line

Long Sleeve Bold Stripe Knitted Dress, at Marks and Spencer
Soft and comfy, this long sleeve dress is made from cotton blend fabric and features bold stripe print. A fashionable easycare style

Easy Iron Pure Cotton Short Sleeve Satin Stripe Shirt, at Marks & Spenser
Stylish and innovative, this long sleeve stripe easycare shirt is quick and easy to iron for a smart crisp look

5 Cotton Rich Floral Print Bikini Knickers, at Marks and Spenser
These flower print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Turn-Up Shorts with Tights, at M&S
Casual and comfortable, these stripe shorts with tights make a fashionable and practical choice

Valdemadera Grand Reserva 2002 - Case of 12, at Marks and Spencer
Style: Full bodied Country of origin: Spain Closure: Natural Cork Suitable for vegetarians and vegans 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

Portfolio Overlapped Disc Collar Necklace, at Marks and Spencers
Adjustable length Clasp fastening Overlapped disc design Necklace length 45cm

Autograph M500 Mattress - Medium, at Marks & Spenser
Single 3ft: W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Depth: 28cm Entirely handmade Individually pocketed springs Deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop Double row of hand side-stitching to add support to the edges Spring count: 1225 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

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but MarksandSpencer 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 Finance 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 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 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 Marks and Spencer insurance products in document format too.