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 MarksandSpencer 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, 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.

Marks & Spencer Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, or Tescos Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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 Buildings 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 Buildings 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.

Sony TDM-IP10 Digital Media Port Dock for iPodŽ, at Marks & Spensers
Digital media port cradle for iPod Streams audio, charges & controls all current iPods Easy connection via one plug Allows full functionality of the iPod's menu Easily playback your iPod music through Sony's Home Theatre system Compatible with new iPod (touch, nano 3G, classic) Dimensions: Diam 8 x H2.2cm 1 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

Mini Travel Bottle Set, at Marks and Spencer
Leave your large or breakable toiletries at home. Simply fill these travel bottles and jars with your favourite toiletries and refill them whenever you need. Contained within a funky bag, this set is ideal for any overnight trip

Artificial Orchid in Square Layered Vase, at Mark & Spensers
Artificial orchid Square layered glass vase No watering required therefore easy care Fresh looking throughout the year Diameter: 28cm, Manufacturer: Marks & Spencer

Roll Top Boy Shorts, at M+S
Elegant and feminine, these flattering shorts are designed in the latest shape. A stylish, shapely look

Per Una Pure Cotton Lily Print Pyjamas, at Marks and Spencer
Modern and feminine, these pretty pyjamas are made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Traditional Stripe Cushion With Recycled Filling, at Marks & Spencer
Rectangular shape Stripe design Corner tassels Size: 43cm x 60cm, Manufacturer: Marks & Spencer

Knee Length Seam Skater Skirt, at Marks and Spencers
Elegant and feminine, this skater skirt is designed to fit and flatter. Stylish, practical and fashionable

Plain Lace Trim Shorts, at Marks & Spencers
Smart, snug and easy to care for, these cosy shorts combine a flattering fit with a plain design and stretchy fabric to create the perfect knickers for day to day wear

Signature - GRN FIG REFIL, at Marks & Spencers
Manufacturer: Marks & Spencer

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

Autograph 4 Piece Suit Outfit, at M+S
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

Angel Cotton Rich Stripe First Bra & Shorts Set, at Marks and Spencers
This simply styled great value bra set is ideal for everyday wear. It's made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Profiterole Stack, at Marks & Spencers
Serves 8 Ready to eat Not suitable for nut allergy sufferers 640g As featured on page 49 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Autograph Pure Cotton Multi Stripe Shirt, at Marks & Spensers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Classic Collection Wide Leg Jersey Trousers, at Mark & Spensers
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

Paint Pot Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: blank for your own message Approx size: 178 x 126mm

Freshfeet Pure Cotton Jumbo Cord Slippers, at Marks&Spencer
Round toe Textured finish Tartan style lining pattern Flat sole Slip on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Portfolio Sleeveless Leapord Print Dress, at MarksandSpencer
Chic and contemporary, this sleeveless dress features a leapord print. A fabulous fashionable look

My First Bible, at Marks & Spencers
From Noah's ark to the Story of Easter, the Bible's best-loved stories are re-told alongside beautiful illustrations. Perfect for reading aloud to your child or grandchild, with fun activities

Per Una Mixed Bead Enchanted Bracelet, at M+S
Stretch bracelet Mixed bead design Multiple enchanted charms

Limited Collection Cotton Rich Skinny Jeans, at Marks and Spencers
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Wentworth 2-Seater Sofa, at Marks and Spencer
H96 x W146 x D100cm Seat H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Feet are castors Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cut Flowers Room Spray, at Marks and Spencers
Floral scent 100ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Linen Blend Long Sleeve Pindot Shirt, at Marks & Spencer
Chic and modern, this long sleeve shirt is made from a cool linen blend and features a pindot design

Pure Cotton Lightweight Seersucker Stripe Dressing Gown, at Marks n Spencer
Soft and comfortable, this cotton dressing gown makes the perfect lightweight cover up

Uva Mira Vineyard Selection Red Blend 2005 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: 68% Cabernet Sauvignon, 12% Merlot, 12% Cabernet Franc and 8% Syrah Country of origin: South Africa Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 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

Girls' Limited Pure Cotton Diagonal Zip Top, at Mark's & 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

Limited Collection Stud Pocket Skinny Jeans, at Marks and Spenser
Long and lean, skinny jeans are an edgy modern style. This fashionable pair is cut to fit and flatter and have stud detailing on the back pockets. Wear with some volume on your top half to balance the shape and give an even leggier look

Autograph Plain Tie, 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

Lavender Moisturising Hand & Body Lotion, at Mark & Spencers
Lavender fragrance Moisture rich 250ml Ingredients: Aqua, Paraffinum Liquidum, Petrolatum, Propylene Glycol, Aluminum Starch Octenylsuccinate, Caprylic/Capric Triglyceride, Cetearyl Alcohol, Lavandula Angustifolia (Lavender), Butyrospermum Parkii (Shea Butter), Glyceryl Stearate, PEG-100 Stearate, Parfum, Coumarin, Hydroxyisohexyl 3-Cyclohexene Carboxaldehyde, Butylphenyl Methylpropional, Limonene, Linalool, Alpha-Isomethyl Ionone, Polysorbate 60, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Propylparaben, Triethanolamine Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Xanthan Gum, Phenoxyethanol, Citric Acid, Butylparaben, Ethylparaben, Isobutylparaben

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 Marks and Spencers 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 Money 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 M&S insurance products in document format too.