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 and Spencers are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spenser 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 M&S Financial Services 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 M&S Financial Services House Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spenser Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 M&S Financial Services 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 MarksandSpencer purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.

Shopping for financial products at M&S Financial Services 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 M&S Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S House 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 Mark & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

Pure Cotton Cargo Pocket Belted Jeans, at Marks and Spencers
These cargo jeans look cool and casual and are made of comfy cotton

Classic Non-Wired Padded Lace Bra, at Marks & Spencers
Non-wired to provide you with a more natural silhouette. This great bra offers superior support thanks to adjustable straps and added stretch, while the lace design has a feminine touch

My Friend Fashion Dressing Kit, at M+S
Suitable for ages 3+ years Create totally trendy outfits for stylish girls Packaging transforms into cakewalk This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Woven Pure Silk Diagonal Stripe Tie, at Marks & Spensers
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Autograph Chaton Drop Earrings Made With CRYSTALLIZED™ - Swarovski Elements, at Marks & Spencer
Hook fastening Drop style Made With CRYSTALLIZED™ - Swarovski Elements

Sony Bravia 46'' KDL-46V5500 HD Ready LCD TV, at Marks & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 46 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 60000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W112.3 x H77.1 x D33cm, without table stand: W112.3 x H72.3 x D9.6cm Weight: weight inc. stand 27kg, weight without stand 23.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Pure Cotton Thomas & Friends T-Shirts, at Mark & Spencers
Fans of Thomas & Friends will love these cotton t-shirt featuring Thomas. A practical, easycare style

Non-Wired Padded Bra, at Marks & Spensers
Sleek, simple and modern, this exceptionally soft, comfortable bra is perfectly smooth, so there are no visible outlines under clothing. The demi cup style is ideal for wearing under low necklines. Designed for a streamlined silhouette

Radial Brush, at Marks & Spensers
This wooden radial hairbrush is filled with the rounded pins protect your scalp and make it ideal for styling and smoothing your hair

Pure Cotton Spot Print Cardigan, at Marks and Spencer
This casual v-neck cotton cardigan makes the perfect light extra layer. It features a spot print for an extra stylish touch

Per Una Peep Toe Slingback Wedges, at Marks & Spencers
Peep toe Knot design Slingback style Buckle fastening Heel height 69mm

Stainless Steel Sieve, at Marks and Spencer
Hook attachment for hanging Diam: 20cm, Manufacturer: Marks & Spencer

Faceted Button Clip-On Earrings, at Marks and Spencer
Clip-on fastening Faceted button design

Autograph Pure Cashmere Oversize Scarf, at Marks & Spencers
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

Natural Beauty Enriching Body Butter, at Marks and Spencer
200ml Naturally fragranced

Younger Boys' Pure Cotton Car Race Shorties, at M & S
Fun and fashionable, these comfy pure cotton shorties feature a fun car race motif

Pure Cotton Floral Print Tunic & Jeans Outfit, at Marks and Spencers
Soft, comfy and cute, this outfit is outstanding value. It's made from soft cotton fabric to keep her comfortable and happy

16-Piece Stainless Steel Cutlery Set, at Marks & Spensers
16-piece set Includes 4 forks, 4 knives, 4 spoons and 4 teaspoons Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Essentials Striped Non Padded DD-G Bra, at M+S
Fresh and feminine, this stylish bra is beautifully detailed with a striped pattern. It's underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Pure Cotton Stripe Towels, at Marks & Spencer
Stripe design Comes in 3 sizes, Manufacturer: Marks & Spencer

Autograph Copper Base 14cm Milk Pan, at Marks&Spencer
Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles with silicone inserts for comfort and safety Hand wash only Diam: 14cm Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Ditsy Floral Print Bedset, at Marks & Spensers
Ditsy floral print Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Pure Linen 3/4 Sleeve Pintuck Top, at Marks & Spencer
Elegant and stylish, this open neck collar top features a striking pintuck detail for a fabulous feminine look

Photographic Bear New Baby Card, at M&S
Cover text: Baby Inside message: Congratulations on your new arrival This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Detroit Slat Back Chair, at Marks and Spenser
H100 x W44 x D54cm Leather seat Solid oak legs Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen 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

Animal Print Tankini Top, at Marks & Spencers
Feminine and pretty, this flattering tankini is designed in the latest shape. Make a splash!

2 Easycare Short Sleeve Shirts, at Marks&Spencer
Combining great value with convenience, these short sleeve shirts make an excellent wardrobe staple

Limited Collection Formal Bootleg Trousers, at Mark & Spensers
Make a smart impression in these flattering and fashionable bootleg trousers. Stride out in style!

Autograph Essentials Wool Blend Bootleg Trousers, at M & S
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

2 Classic Underwired Plain Bras, at Marks and Spencer
Soft and comfortable, this plain trim bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Motor Insurance is not like that at all, and when you compare M&S Motor 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 & Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco 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 Motor 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 M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.