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

Marks & Spencers 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 Motor 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; Motor Insurance and Home 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 Home 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 & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

Also, on both Marks & Spencers Money Premier Home Insurance and Standard Home 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.

Cotton Rich Embroidered Velour Hooded Top, at Marks and Spencers
Fashionable and practical, this velour hooded top features an embroidered detail.

Handwoven Ribbed Eyelet Curtains, at Marks and Spencers
Unlined Comes in standard 130cm/51in (STD) and wider 168cm/66in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Medium Impact Non-Wired Sports Bra, at Marks & Spencer
Comfortable and secure, this medium impact sports bra gives firm, gentle support for active wear

Traditional Tea Design Wall Clock, at Mark's & Spencer
Traditional design Round face Domed metal case Weight: 0.95kgs Diam: 35cm, Manufacturer: Marks & Spencer

Seam Detail Bootleg Trousers, at Marks and Spenser
These bootlegs are designed to skim the hips and thighs and gently flare to give a flattering long-legged look. Practical as well as stylish, they're machine washable for added convenience

Handcrafted Brief Encounter Valentine Card, at Marks and Spencer
Cover text: A Brief Encounter... ... on Valentines Day Inside message: With love Approx size: 150 x 150mm

Red - Magazine Gift Subscription, at Marks and Spenser
Red has gorgeous fashion (which you can wear!), expert health and beauty advice, inspirational entertaining and interiors, plus intelligent writing on issues that matter to you

3 Piece Fairtrade Cotton T-Shirt Outfit with Bib, at Marks and Spencer
This cute outfit is made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Luc Saint-Roche White 2007 - Case of 12, at Marks and Spenser
Country of origin: France Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites

Schoolwear Boutique Plain Tank Top, at Mark's & Spencer
A fashionable and practical choice for school

Sicilia Shiraz 2007 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Shiraz Country of origin: Italy Closure: Synthetic closure 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

3 Non-Iron Long Sleeve Blouses, at Mark & Spencers
A great value 3-pack of long sleeve school blouses, non-iron for convenience

Compton Glazed Top & Sideboard Set, at Marks&Spencer
H204.5 x W174 x D55cm Glazed unit has 3 shelves each side and toughened glass doors Sideboard has 2 cupboards and 4 drawers Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Side panels, door panels, back panels made from oak veneer Top panels made from oak veneer with a solid oak edging for strength Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs and doors 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

Autograph Pure Cotton V-Neck Cardigan & T-Shirt, at Marks and Spenser
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

Banoffee Pie, at Marks and Spencer
Serves 14 Ready to eat Not suitable for nut allergy sufferers Suitable for vegetarians 1.2kg total weight As featured on page 48 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Limited Edition Hammered Stacker Bangles, at Marks & Spencer
3 bangles Hammered stacker design Slide on

Limited Collection Side Popper Leggings, at Marks and Spencers
These leggings are part of Limited Collection's Ethereal trend. An eclectic fairytale look featuring vintage inspired crochet, frills and a mix of prints and bright summertime shades

Pink & White Sponge Three-Present Stack Cake, at Marks and Spencer
64 portions Sponge cake: All-butter sponge filled with buttercream and raspberry jam. Sponge cakes can be eaten up to 5 days after collection 19.5cm square/15cm square/11cm square 3.4kg As featured on page 67 of the Food to Order brochure Not suitable for nut allergy sufferers Suitable for vegetarians Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Lotus Flower Scented Filled Candle, at Marks & Spencer
Glass holder Lotus flower fragrance Burns upto 4 hours, Manufacturer: Marks & Spencer

3 Pairs of Cotton Rich Trainer Liner Socks, at MarksandSpencer
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, superior shape retention and durability

Letters on a String Christening Card, at M&S
Cover text: On your christening day Inside message: With love Approx size: 150 x 215mm

North Coast Pure Cotton Military Jacket, at Marks and Spencers
A contemporary design makes this jacket a fashionable choice

Sonoma Dark 3-Door Glazed Top Unit, at Marks and Spencers
H110 x W179 x D33cm 6 glass shelves Glass doors and shelves made from toughened safety glass Internal lights with on/off switch This top unit is designed to sit on the Sonoma Dark 3-Drawer Sideboard. Click hereto view the Sideboard Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength 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 SAVE ON SETS Save at least 25% when you buy this top unit as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Sailor Stripe Shirt, at Marks and Spencers
A fabulous 3/4 sleeve shirt in pure soft cotton featuring a ruffle front and stripe design

Playstation®3 Ratchet & Clank Future: Tools of Destruction™ Game, at Marks & Spencers
Embark on a galactic adventure Try to find an ancient device that is the key to saving the galaxy Unravel the mystery of Ratchet's origin New characters, new weapons, and all-new worlds to explore 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 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Autograph Double Button Straight Leg Trousers, at Marks and Spencer
Luxurious and elegant, these smartly tailored straight leg trousers are part of our exclusive Autograph range

The Pleated Hem Skirt, at Marks & Spencer
Wear this fabulous full skirt for a feminine, flattering and retro look that's firmly back in fashion. The layers at the hem are a chic finishing touch to this wear-anywhere style

7 Pure Cotton Assorted Bodysuits, at Marks and Spencer
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value bodysuits are designed to keep her looking adorable and feeling comfy and happy

Cut About Stripe Long Skirt, at Marks and Spencer
Elegant and feminine, this a-line skirt features a cut about stripe print and panel design. Stylish, practical and fashionable

3 Non-Iron Long Sleeve Shirts, at Mark & Spencers
This pack of 3 shirts is great value. A practical and convenient choice, they're easycare and non-iron to save you time. Elasticated cuffs are a feature on shirts up to age 8 to make it easier for young children to dress

Shopping for financial products at Marks & Spencers 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 & Spencers Money website:

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

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.