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. M&S Finance financial products are, of course, designed to make M&S 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 M&S Finance 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 M&S Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.

M&S Finance 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 Finance 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, Sainsburys, 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

M&S Finance 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, M&S Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Leather Plaque Buckle Belt, at Mark's & Spencer
Add a smart finishing touch with this pure leather belt featuring a plaque buckle

Panasonic NN-CD767MBPQ 1000W Combination Oven, at Marks & Spencer
Oven capacity: 27 Litre Output power: 1000W Grill power: 1300W quartz grill Inverter: Inverter power supply system ensures cooking performance is fast and even Auto defrost: Auto weight chaos defrost Control panel: Dial Interior dimensions: W35.9 x H21.7 x D35.2cm Exterior dimensions: W51 x H30.4 x D47.7cm Features: Auto guide, child lock 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

Hepworth 7-Drawer Sideboard, at Marks & Spenser
H85 x W160 x D50cm With 7 drawers 3 doors With 1 adjustable shelf in each cupboard Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Side panels, door panels and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs Door frames made with solid European Birch. Door panels are veneered 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

Alice in Wonderland Book with Charm, at Mark & Spencers
This magical tale is beautifully illustrated, binging Alice's adventures to life. Lewis Carroll's popular tale has been retold with clear and simple test providing a wonderful introduction to Alice in Wonderland

Pop-up Stadium Son Birthday Card, at Marks & Spensers
Cover Text: Son, Happy Birthday Inside Message: to from Approx size: Flat: 150 x 215mm

Chianti Colli Fiorentini DOCG 2005 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Mixed Red Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml:1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Cotton Rich Floral Print Dress & Legging Outfit, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Fun Couple in Car Wedding Card, at M & S
Cover text: Just Married Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Autograph Pure Cotton Percale Duvet Cover, at Marks & Spencer
Contrast stitch detail Plain 400 thread count - thread count refers to the number of threads, both vertical and horizontal, in a one-inch square of fabric 100% cotton percale - a medium weight fabric in thread counts of 200 and above, Percale is tighter than standard weave fabrics making it feel luxurious and smooth. It also washes very well. Supima Cotton - superior strength cotton with improved durability and increased lifespan. Because of the fineness of Supima cotton, more fibers can be spun into a yarn of a given count, which enhances the feel, softness, drapeability and brilliance of colour. Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Ultimate Non-Iron Short Sleeve Stripe Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Limited Collection Quilted Belt, at Mark's & Spencer
Define your waistline with this fashionable quilted belt

Single Sprung-Edge 2 Drawer Divan & Autograph M500 Mattress - Medium, at Marks & Spensers
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 2 large right- or left-hand drawers Divan drawer size: H15 x W78.4 x D53cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Baroque Jacquard Pencil Pleat Curtains, at Marks and Spenser
Standard width: 168cm / 66in Wider width: 219cm / 86in Three drop lengths:Short: 137cm / 54in Medium: 183cm / 72inLong: 229cm / 90in Lined How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Wavy Embellished Skirt, at Mark & Spencers
Long and lovely, this panelled skirt features embellishment detail. Stylish, practical and fashionable

5 Cotton Rich Plain Low Rise Bikini Knickers, at M & S
These plain cotton rich bikini knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention. Pack includes both black and white

Hepworth Glazed Top Unit, at MarksandSpencer
H105 x W160 x D42cm With 2 fixed shelves 4 toughened-glass doors Top unit sits on sideboard (as shown in image) Sideboard to be purchased separately Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Side panels, door panels and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made with veneers Solid European Birch legs Door frames made with solid European Birch. Door panels are veneered 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

Pure Cotton Dog Motif Mock Layer Top, at M&S
Cute and comfy, this fashionable mock layer top is made from soft cotton.

Griffin Wave Case for iPod Touch, at Mark & Spensers
The distinctive wave shape on the case defines elegant styling as well as unique functionality. Wave's overlapping curves of the closure provide increased surface area to lock together with greater security for your iPod. Included screen protector guards your screen, but allows complete access to your iPod clickwheel. Wave for iPod touch (2nd generation) includes protection for your multi-touch display

Mother of Pearl Border Photo Frame 20 x 25cm (8 x 10''), at Marks & Spencers
Mother of pearl border Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

Sonoma Mirror, at Marks and Spencers
H85 x W128 x D3cm Wide frame Oak veneer Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen 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

Per Una Zig Zag Downy Jacket, at Mark & Spensers
A casual hooded jacket featuring a zip fastening and zig zag stitch detail

Side Salad Selection, at Mark's & Spencer
Serves 8-10 Ready to eat Includes a table-presentable platter (not shown) 725g total weight As featured on page 28 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

Small Traditional Rag Doll, at Marks and Spenser
Not recommended for babies under 12 months Hair ribbon detail Check print dress with heart motif This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Vest & Shorts Sets, at Marks and Spencer
Practical and fashionable, this 8 pack of vests and shorts makes a great way to stock up on essential style

3 Pack Easycare Long Sleeve Shirts, at Marks & Spencer
Smart and stylish, this pack of 3 long sleeve easycare shirts is great value. An ideal choice for everyday wear

Blue Harbour Swimming Briefs, at Marks and Spenser
Practical and fashionable, these swimming briefs give a comfortable, flattering and secure fit

Per Una Pure Linen Pleat Front Skirt, at Marks n Spencer
An elegant knee-length skirt in pure cool linen, the pleated design makes it extra stylish

Urbino 2-Seater Occasional Sofa Bed, at M&S
H92 x W185 x D102cm (Opens to L238cm) Seat H48cm, arm H69cm, top back rail H77cm (all dimensions are approximate) Conceals a fold out bed, suitable for occasional use 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 Fabric options feature reversible cushions Available with fixed cushion covers only 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 Solid birch feet with a dark finish Mattress: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Autograph Round Neck Ruffle Sleeve Top with Necklace, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look.

Collezione Pure Cotton Short Sleeve Shirt, at M & S
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 this shirt to give you a feeling of luxury like no other

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

Also, on both M&S Finance 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.