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

Besides Marks & Spencers Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Buildings & Contents 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 Marks and Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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 & Spencer Money. Not least of these is Marks & Spenser Standard Motor Insurance. With Marks & Spencer Money you can keep the cost of your Motor 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 Motor Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Money Direct, you get more, and you pay less.

Per Una Stripe Print Chiffon Dress, at Marks and Spencer
An elegant sleeveless chiffon dress, featuring empire line and stripe design

High Impact Non-Wired Sports Bra, at Marks and Spencers
Comfortable and secure, this high impact sports bra gives firm, gentle support for active wear

Pure Cotton Long Sleeve Stripe Hooded Top, at Marks & Spencer
Cute and fun, the stripe design makes this practical hooded top extra special. It's made from soft pure cotton and feels comfy to wear.

Footglove™ Widefit Heeled Moccasin, at Marks and Spencer
Round toe Stitch detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight

Per Una Lip Colour, at Marks & Spencer
Moisturising Hypoallergenic

M&S USB Cable, at Marks and Spencer
1.8 metre cable 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

2 Sea Creature Swim Shorts, at MarksandSpencer
Fun and fashionable, these lined shorts fit comfortably and securely. Sea creature designs add a fab finishing touch

Rainbow Stretch Bracelet, at Marks n Spencer
Mixed bead design Stretch style

Autograph Short Sleeve Dobby Stripe Shirt, at Marks & Spensers
Casual and contemporary, this stripe shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Secano Estate Sauvignon Blanc 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Pure Cotton Stripe Shorts, at Marks and Spencer
Create your own look by mixing and matching these pure pima cotton pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

LED Light Collection Flower, at Marks & Spensers
Ideal use for garden lighting Flower design Batteries supplied H5.5 x D9cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cut Flowers Refresher & Burner Oil, at Marks and Spencer
Floral scent 15ml, Manufacturer: Marks & Spencer

Sprung-Edge Non-Storage Divan & Autograph M500 Mattress - Firm, at Marks & Spencers
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Rollover Band Joggers, at Marks and Spencer
With added stretch for essential ease of movement, these comfy and practical rollover band joggers are great for active workouts or relaxing in style

3 Button Chunky Knit Swing Cardigan, at Marks & Spencer
Fashionable and flattering, this cardigan features a chunky knit for a smart modern look

Classic Collection Ruffle Front Crinkle Blouse, at Marks and Spencer
Feminine and pretty, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

9 Bright Baby Farmyard Chunky Books, at Marks and Spencer
The 9 Chunky Board books in this all new set will help your child learn new words and find out more about farm animals, machines and more. Keep the 9 books in the handy tray and use to learn about animals and the farm whenever you desire

2 Cotton Rich High Leg Lace Knickers, at Marks and Spenser
Look slimmer in seconds! These knickers gently flatten tummies for a sleeker, slimmer silhouette. Soft cotton blend fabric makes them comfortable to wear

Textured Tankini Top, at Marks and Spencer
Feminine and pretty, this flattering tankini is designed in the latest shape. Make a splash!

Cross Dye Quilted Bedcover, at Mark & Spensers
Stitch detail Contains padded quilting Available in 2 sizes 150 x 200cm and 260 x 265cm, Manufacturer: Marks & Spencer

Wistful Thinking Humour Uncle Birthday Card, at Marks and Spencer
Cover text: Uncle - remember, inside every older person is a younger person too lazy to get out Inside message: Happy birthday Approx size: 215 x 150mm

Blue Harbour Real Cool & Fresh Polo Shirt, at Marks and Spencers
Our pure cotton polo shirts make summer dressing a breeze. Wear them with shorts and sandals for a perfect warm weather look

Older Girls' Patent Strap School Shoes, at Marks and Spenser
Round toe Patent design Single strap with buckle fastening Plain Flat sole Easy clean

2 Pure Cotton Joggers, at Marks & Spensers
Comfortable enough for crawling or napping in, these soft cotton joggers are a practical and fashionable choice

M&S High Gloss Black Flat Panel TV Stand up to 52'', at M&S
Supports flat panel LCD and plasma TVs up to 52" Clear, tempered safety glass shelves Fits up to 4 audio video components and a center channel speaker Includes a cable management system to hide wires and interconnect cables Metallic black finish Scratch resistant, powder-coated steel framing Top shelf weight capacity: 56.7kg Lower shelves weight capacity: 22.7kg Overall dimensions: H61 x W127 x D53.3cm Top shelf dimensions: W127 x D40.6cm Middle shelf dimensions: H25.4 x W106.7 x D38.1cm Lower shelf dimensions: W106.7 x D45.7cm Boxed delivery - self-assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

7 Pairs of Freshfeet Stripe Socks with Silver Technology, at Marks and Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Per Una Wooden Trim Thong Sandals, at Marks and Spencer
T shape Wooden detail Buckle fastening

Collezione Luxury Wool Rich Flat Front Trousers, at Marks & Spenser
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

Per Una Blush Spot Print Sleeveless Dress, at Marks and Spencer
A fashionable scoop neck dress featuring a blush spot print and detachable tape belt

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