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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days M&S, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Motor Insurance. With Marks & Spencer Money you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from Marks & Spencer Money, you get more, and you pay less.

2 Pairs of 10 Denier Shaping Matt Tights, at Marks&Spencer
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Autograph Leather Zipped Washbag, at Marks n Spencer
Stylish and contemporary, this leather wash bag is a fashionable and practical must-have

5 Short Pelerine Socks + 2 pairs EXTRA FREE, at Marks & Spencers
Perfect for school and great value for money, these easy to care for socks have added stretch for a long lasting and durable fit

Silver Foil Spot Tissue Pack, at Marks and Spencer
Pack of 3 Metallic effect 2 sheets spotty tissue, 1 sheet plain silver tissue 700 x 500mm

Autograph Wool Blend Hooded Duffle Coat, at M&S
Cute and cosy, this hooded duffle coat is made from soft fabric to keep him feeling comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Larkspur Bundle, at M+S
Internet Exclusive Historically a symbol of love, this assortment of larkspurs is the perfect way to show someone you care. The glass vase and Belgian chocolates help make it an extra special gift Available for delivery from 1st July to 29th August 2009

Per Una Plain Scarf, at M+S
This sophisticated plain scarf is the perfect accessory to this season's fashions. The tasselled trim adds a stylish finishing touch.

Anthony Bear and Heart Mum Birthday Card, at M&S
Cover text: With love To a very special Mum x Inside message: Happy birthday Approx size: 150 x 150mm

Per Una 3/4 Length Crochet Cardigan, at Marks and Spencer
A sophisticated crochet cardigan, featuring a scallop trim and hook fastening

La Esperanza Estate Torrontés 2007 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Torronts Country of origin: Argentina Closure: Synthetic cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.6 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Lever Arm Bottle Stoppers, at Marks and Spencer
Pack of 3 Chrome look handle Ideal for sealing opened bottles, Manufacturer: Marks & Spencer

Lone Range Gimblett Gravels Red 2006 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Mixed Red Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 6 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

Cotton Rich Stripe Vest, at Marks and Spencers
Pretty and feminine, this strappy vest features a stunning lace trim. The soft stretch cotton fabric gives a comfortable flattering fit

Younger Girls' Pure Cotton Charlie & Lola™ Pyjamas, at MarksandSpencer
Fans of Charlie and Lola™ will love these pyjamas featuring the popular character Lola

Limited Collection Short Sleeve Leather Jacket, at Marks n Spencer
Get a high fashion look in this luxurious leather jacket with short sleeves and a fuss-free simple design

M&S 8GB USB Memory Stick, at MarksandSpencer
8GB memory stick Plugs directly into computer's USB port High-speed USB 2.0 compatible Plug'n Play USB interface requires no driver software Includes USB extention cable and neck strap Dimensions: 54 x 19 x 10mm Weight: 10g (approx) Rubber housing 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

2 Piece Pure Cotton Dinosaur Dungaree Outfit, at M&S
Fun and practical, this cute 2-piece dungaree outfit features an embroidered dinosaur motif and slogan. It's made from soft cotton to keep him comfy.

Autograph Merano Large 2-Seater Sofa, at Marks & Spencers
H84 x W195 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (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 Fabric options have reversible cushions 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 Glide feet with a dark finish 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

3 Pairs of Cotton Rich Assorted Design Socks, at Marks and Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Handcrafted Metallic Purple Heart One I Love Valentine Card, at Mark & Spensers
Cover text: For the One I Love Inside message: On Valentine's Day Approx size: Unfolded: 220 x 220mm

Collezione Single Breasted Basket Weave Jacket, at Mark's & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques

Classic Lila Lace Trim Full Briefs, at Marks and Spencer
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

Blue Harbour Ultimate Linen Short Sleeve Check Shirt, at Marks and Spencers
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Animal Alphabet Stickers, at Marks & Spencer
75 assorted stickers Animal shapes

Firm Control Curved Lace Shorts, at Marks n Spencer
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Autograph Weekend Pure Linen Pleated Neck Top with Belt, at M&S
Comes with belt shown in image Part of Autograph Weekend's Summer Escape trend, featuring crisp separates in cool, sophisticated white and shades inspired by nature. A laid back, luxurious look

3 Older Girls' Santoni Picot Heart Bikini Briefs, at M & S
Practical and fashionable, these bikini briefs feel soft and comfortable to wear

Pearl Clam Cosmetic Bag, at Marks & Spencer
Double handle Zip fastening with bead pullers Detachable mirror Two inner zip sections Pearl calm design

Smocked Henley Neck Frill Top, at Marks and Spencer
The frill detail is a key trend this season. This soft fabric top makes a stylish way to get the look

Click Blu-ray DVD, at Marks and Spencers
Rating Suitable for 12 years and over,

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents 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 Marks & Spencer Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers 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 & Contents 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 & Contents 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 Mark & Spensers insurance products in document format too.