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

M&S Financial Services 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 Car 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; Car Insurance and Buildings & Contents 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 Buildings & Contents 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Buildings & Contents Insurance, Car 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 and Spencers insurance products in document format too.

Blue Harbour Pure Lambswool Zip Neck Argyle Jumper, at Marks and Spencer
An extremely comfortable zip neck argyle jumper. It's made from extra fine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

2 Piece Pure Cotton Floral Pinafore Outfit, at Marks and Spencers
Practical and pretty, this cute pinafore and top 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Chuggington Story & Sticker Activity Book, at Marks & Spencers
Wilson's too scared to get his damaged wheel fixed. But soon the red chugger can't ignore the problem any longer. Maybe the repair shed won't be so scary after all.. Once you've read the story, complete the activity pages at the end of the book. Within stickers of all your favourite friends

Per Una Stripe Wide Leg Trousers, at Marks & Spencers
A beautiful pair of straight leg trousers in a linen blend with a double waistband and twin button feature

2 Per Una Essentials Clover Embroidered Padded Bras, at Mark & Spensers
Elegant and feminine, these bras are beautifully embellished with clover embroidery. Soft padding and underwiring give support and a flattering natural shape. Pretty everyday fashion

Diamond Mesh Tights, at Mark & Spencers
Treat your legs to a touch of style. These diamond mesh tights have a durable reinforced design to keep them looking good, wear after wear

Blue Harbour Pure Cotton Palm Tree Print Shirt, at Marks & Spencer
Relaxed and stylish, this palm tree print shirt is made from pure cotton so it feels soft and comfortable to wear

Active Performance Cropped Leggings, at Marks and Spencers
Perfect for active wear, these Performance leggings incorporate moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Pure Cotton Long Sleeve Mock Layer Jersey Top, at Marks & Spensers
It looks like a shirt and knitted top, but this fashionable mock layered design is just one piece. The front pleat detail adds a stylish touch

Ivory Wedding Table Numbers, at M+S
12 table numbers Approx size: 150 x 110mm

Belgravia Stool, at Marks & Spenser
H39 x W53 x D32cm (all dimensions are approximate) Seat cushions made from Quallofil Extralife filling Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Solid birch feet with 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

Per Una Wooden Trim Thong Sandals, at Marks and Spenser
T shape Wooden detail Buckle fastening

Die Cute Sneakers Nephew Birthday Card, at M+S
Cover text: Nephew, Happy birthday! Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. 175 x 127 mm

Short Sleeve Bold Abstract Print Dress, at M & S
Make a fashionable statement in this godet insert dress featuring a bold abstract print. Added stretch and a great cut give a figure-flattering fit

Bold Spot Print Hipster Bikini Bottoms, at M+S
Modern and stylish, these bikini bottoms are outstanding value. Style and quality at a great price

40 Denier Silky Soft Opaque Tights, at Marks & Spenser
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

Mirrored Floor Cabinet & Sink Unit, Sink & Tap Set, at Marks & Spencers
H88 x W40 x D36cm Sink Unit: H89 x W60 x D43cm Floor cabinet comes with 1 shelf 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 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 Single Breasted 3 Button Slim Fit Jacket, at Marks and Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

North Coast Pure Cotton Funnel Neck Moleskin Jacket, at M & S
A contemporary design makes this funnel neck moleskin jacket a fashionable choice

Standard Outdoor Barrel, at M&S
This square wooden barrel is packed with marguerite, elwoodi, petunia and hedera. A charming planter, ideal for brightening gardens, courtyards or patios Available for delivery from 28th April to 30th September 2009

Sonoma 2 Door Sideboard, at Marks & Spensers
H88 x W123 x D50cm 2 doors 2 drawers Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Side and back made from White Oak veneer Top panel is veneered with 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 , Manufacturer: Marks & Spencer

Glacier Bead Stretch Bracelet, at Marks and Spencer
Mixed bead design Stretch style

Older Girls' Polka Dot Sunglasses, at Marks&Spencer
Fashionable and fab, these polka dot sunglasses give 100% UV protection for safer style in the sun

Younger Girls' Walkmates Assorted Strap Sandals, at Marks n Spencer
Open-toe Buckle fastening Contrast stitching Flat sole

Duo Twist Platinum-Plated Rings, at Marks and Spencer
An elegant display of understated glamour puts this gorgeous platinum plated ring in a class of its own

50th Glamorous Dress Birthday Card, at Marks and Spencers
Cover text: 50 Inside message: Have a wonderful birthday Approx size: 126 x 174mm

Younger Boys' Stripe Legionarries Cap, at M&S
This legionairre style cap features a large peak and neck covering for extra sun protection

Two Tone Sunglasses, at Marks and Spencers
A hot look for summer, these fabulous sunglasses add instant style and glamour

Fairy Rag Doll Daughter Birthday Card, at Marks and Spencer
Cover text: Daughter, hope your birthday's going to be an extra happy one... Inside message: ...with lots of cake and ice cream and everything that's fun! Approx size: 150 x 150 mm

Pure Cotton Bright Stripe T-Shirt & Shorts, at Marks & Spencers
Contemporary and fashionable, these pure shortie pyjamas make the perfect choice for relaxing in style and comfort

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 & Spensers 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 M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.