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 M & S are so useful. M+S 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 M+S 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 M+S Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

M+S Money 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 Money 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 and 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 Money UK and European Breakdown Cover, since it covers you as a passenger too.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the MarksandSpencer online store. Here are just some of the financial products which can be purchased via the M+S Money website:

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

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

Signature - GING ROOM SPRAY, at Marks and Spencer
Manufacturer: Marks & Spencer

Bailey Table, at Marks & Spencer
H75 X W90 X L180 Made from solid wood and features natural characteristics such as knots and variations in grain pattern The timber will age over time and fade to a silver grey colour unless treated regularly with oil This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Animal Alphabet Stickers, at M&S
75 assorted stickers Animal shapes

Cashmilon™ Long Sleeve V-Neck Jumper, at Marks & Spencer
Elegant and feminine, this jumper features a flattering V-neck. Stylish, practical and fashionable

Younger Boys' Plain Fluffy Dressing Gown, at Mark & Spencers
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Autograph Merano Chaise (Left-Hand Arm), at M+S
The flexible solution - Click here to see how Autograph Merano pieces can be arranged in any combination to fit your room. H84 x W176 x D100cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - superior quality foam with a high density for added comfort and support Other cushions made from polyester fibre Fabric options have reversible cushions Available in fixed cushion covers only Glide feet with a dark finish Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3/4 Sleeve Open Neck Collar Stripe Shirt, at Marks & Spensers
Smart and stylish, this 3/4 sleeve shirt features a stunning stripe design. A sophisticated new look, perfect for this season

2 Pairs of Light Control Tights, at Marks&Spencer
Flatter those legs with the light support of these terrific tights. Their comfortable fabric is strong enough to wear over and over again. These tights have a factor 6 support level. Support tights have been clinically proven to keep your legs feeling energised, younger and healthier. Circulation is improved, ankle swelling is reduced and legs feel less tired so they're ideal for travelling

ARCHOS 7 Internet Media Tablet 160GB, at Mark & Spensers
Internet: Full web browsing, full email application, web TV, web radio, widgets application Plays: Videos, music, photos, games and stream content from your PC TV: Record from TV (with optional dock), play content and surf the web on your TV through the ARCHOS 5 Display: 7" TFT LCD high resolution screen, 800x480 pixels, 16 million colors Touch Screen: Direct by touch screen, ON/OFF, vol+ and vol- buttons Video playback: MPEG-4 (ASP@L5 AVI, up to DVD resolution), WMV (MP@ML, up to DVD resolution) including WMV protected files and M-JPEG (Motion JPEG Video) in QVGA resolution Video recording: Via the optional DVR Station/ DVR Snap-on: Records NTSC/PAL/SECAM in MPEG-4 AVI format with ADPCM stereo sound, VGA resolution (640 x 480) @ 30 or 25 f/s Audio playback: Stereo MP3 decoding @ 30-320 Kbits/s CBR & VBR, WMA, Protected WMA, WMA pro 5.1, WAV (PCM/ADPCM), AC3 stereo audio and 5.1 sound files (via SPDIF output of DVR Station) and Flac and OGG Vorbis audio files Audio recording: Via the optional DVR Station or DVR Snap-on: Stereo line-in, WAV (IMA ADPCM or PCM) format and Voice recording via the optional FM remote and its built-in microphone in WAV format (IMA ADPCM) Photo viewer: JPEG, BMP, PNG, GIF Memory: 160 GB (stores up to 200 Movies, 1.6 million photos or 95,000 songs) PC accessories: Possible attachment of numerous standard USB PC accessories (keyboard, mouse, memory key, memory cards reader, camera) Connectivity: On board WiFi (802.11 b/g), USB 2.0 host with optional accessories Interfaces: USB 2.0 High-Speed Device (compatible USB 1.1 at a lower speed): Mass Storage Class (MSC) and Media Transport Protocol (MTP) and USB 2.0 Host: Mass Storage Class (MSC) and Picture Transfer Protocol (PTP) with optional Mini Dock, Battery Dock and DVR station Connections: WiFi, free web browser, 3.5 mm mini jack for headphones and audio output, DC-in for power adapter and Docking connectors to connect DVR Station and other ARCHOS accessories Battery life: Music playback 39 hours, Video playback 10 hours Dimensions: Approx: 19 x 11 x 1.6cm Weight: 640g Package includes: ARCHOS 7, headphones, ARCHOS USB cable, DVR Station adapter, power adapter/charger, screen cleaning cloth, Quick Start Guide (QSG), legal and safety notice 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

Magic Shaper 40 Denier Shine Shorts, at Mark's & Spencer
These tights work like magic to make the most of your figure. Special support zones shape hips, thighs and bums and a clever front panel flattens tummies

Sophisticated Dress Mum Birthday Card, at M&S
Cover text: To a special Mum Inside message: With love on your Birthday Approx size: 178 mm x 125 mm

Nail Polish Remover Pads, at Marks and Spencer
Gentle non-acetone formula to remove nail polish Contains 30 pads This product is not available for international delivery. Find out more

Long Sleeve Cable Knit Cardigan, at Marks and Spencer
Fun and fashionable, this pretty long sleeve cardigan features a cable knit design. A practical, easycare style

Champagne Oudinot Medium Dry - Case of 6, at Mark & Spensers
Style: Medium dry Grape variety: Mixed Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Foil and Floral Large Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 140 x 340mm

3 Pairs of Ultimate Comfort Socks, at M&S
Get a fabulous, fashionable look with these ultimate comfort socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

Limited Collection Faux Snake Fold Over Clutch Bag, at Marks & Spencers
Fashionable and fabulous, this fold over clutch bag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Pure Cotton Scoop Neck Button Detail Top, at Marks and Spencers
A versatile classic, it's the stylish design on this cotton top that makes it such an irresistible addition to your wardrobe

Ingredients Lip Butter Trio, at Marks & Spencer
Pack of 3 Fragrant Flavoured To help soften and smooth your lips Raspberry Lip Butter: Caprylic/Capric Triglyceride, Simmondsia Chinensis Oil, Ricinus Communis Oil, Beeswax Rhus Verniciflua Peel Wax, Helianthus Annuus Seed Wax, Butyrospermum Parkii Butter, Aroma, Propylparaben, Methylparaben, Tocopheryl Acetate, Limonene, CI 15850, CI 77891 Shea Nut Lip Butter: Caprylic/Capric Triglyceride, Simmondsia Chinensis Oil Ricinus Communis Oil, Beeswax, Rhus Verniciflua Peel Wax, Helianthus Annuus Seed Wax, Butyrospermum Parkii Butter, Aroma, Benzyl Benzoate, Propylparaben, Methylparaben, Tocopheryl Acetate, Anise Alcohol, CI 77491, CI 77492, CI77499,CI77891 Passion Fruit Lip Butter: Caprylic/Capric Triglyceride, Simmondsia Chinensis Oil, Ricinus Communis Oil, Beeswax, Rhus Verniciflua Peel Wax, Helianthus Annuus Seed Wax, Butyrospermum Parkii Butter, Benzyl, Benzoate, Citrus Aurantium Dulcis Oil, Propylparaben, Linalool, Limonene, Aroma, Methylparaben,Tocopheryl Acetate, Geraniol, Citrus Medica Limonum Oil Citral, CI 42090, CI 45410

Feather Spray Spikey Cap Headdress, at M&S
Sophisticated and glamorous, this bow and feather headdress is sure to turn heads!

Anti-Allergy All Season Duvet, at Marks and Spencer
Endorsed by the British Allergy Foundation Proven protection wash after wash Perfect for use with our range of anti allergy duvets, pillows and protectors Easycare fabric Available in 4 sizes, Manufacturer: Marks & Spencer

Blue Harbour Short Sleeve Geo Print Shirt, at Marks & Spensers
Relaxed and casual, this Blue Harbour geo print shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Campo Bravo Rioja Blanco 2008 - Case of 12, at Marks & Spencer
Grape variety: 100% Viura Country of origin: Spain Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5 % vol Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Wool Rich Single Breasted 2 Button Jacket, at Marks & Spencer
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

In Bloom Orchid & Vanilla Hand & Body Creme, at Mark's & Spencer
Orchid and vanilla fragrance Softens the skin 200ml

Short Sleeve Keyhole Top, at M&S
A chic and stylish essential, this scoop neck top features a colourful keyhole design. It works for day and evening, dressed up or down

Sony Bravia 46'' KDL-46W4500 HD Ready LCD TV, at Marks & Spencer
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 46 inch LCD TV, 6.2 Mega Pixels Contrast Ratios: Dynamic contrast 50,000:1 Integrated Digital and Cable Tuner Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported providers only) Dimensions: W112 x H78.2 x D30.7cm (with stand) , W112 x H74.2 x D11.5cm (without stand) Weight: 31kg (with stand), 26.5kg (without stand) S-Force Pro Front Surround: Gives you virtual surround sound from just two front speakers Connections: 4 x HDMI (3 in back, 1 on side), PC connectivity, 1 x Component and 2 x SCART sockets BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen 24p True Cinema: Shows films at 24 frames per second, just like a real cinema Motionflow: Boosts the refresh rate from standard 50Hz to 100Hz for super-smooth, precise viewing, which is ideal for sports Xross Media Bar: A new Sony interface that's easier to operate Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input Voice Zoom: Allows you to alter the volume of voices without changing the background volume BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Autograph Cosmic Drop Earrings Made With CRYSTALLIZED™ - Swarovski Elements, at Marks and Spencer
Hook fastening Drop design Made with CRYSTALLIZED™ - Swarovski Elements

Ribbon Trim Lattice Weave Hat, at Marks and Spencer
This stylish lattice weave hat is finished with a ribbon trim. Perfect for holidays or a sunny day

De Saint Gall Grand Cru Brut Vintage Champagne 2002 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks and Spencer 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 M+S Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, M+S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M+S Money insurance products (Buildings Insurance, Motor 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 Marks & Spencers insurance products in document format too.