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

Marks n Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but Mark & Spensers 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 & Spencers 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 & Spencers Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, Marks & Spencers 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 & Spencers Money insurance products (Buildings 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 M&S insurance products in document format too.

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 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 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 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.

Extra-Large Handkerchief Vase, at Mark & Spencers
Handkerchief style rim Clear glass Height approx 40cm, Manufacturer: Marks & Spencer

Rhydian Roberts - Rhydian CD, at Marks & Spenser
Audio CD, Marks & Spencer

Floral Print Dress & Bolero, at Marks & Spensers
Feminine and pretty, this 2 piece dress and bolero has a floral print and bow tie feature. A fabulous fashionable look to the contemporary woman

Stripy Cake Wedding Card, at Mark's & Spencer
Cover text: On your special day Inside message: With lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Large Square Jewellery Box, at Marks and Spencers
3 drawers Square design

Maxim Square Serving Bowl, at Marks & Spencer
Pure white porcelain Suitable for everyday use Versatile fine dining range L13.5 x W13.5cm, Manufacturer: Marks & Spencer

Footglove™ Leather Stitched Bow Pumps, at M&S
Round toe Contrast stitched bow detail Slip on Low heel Heel height: 12mm Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Fabric Finish Text Fiancé Birthday Card, at Marks and Spencer
Cover text: Fianc Sending you all my love Inside message: On your birthday Approx size: Unfolded: 178 x 126mm

Bright Flowers Slim Diary, at MarksandSpencer
Week to view Spiral bound Bright floral design Dimensions: 165 x 90mm (including binding)

The Floral Collection Rose Moisture Rich Shower Cream, at Marks & Spencers
250ml Rose fragrance Moisture rich shower cream

Lilac Cherry Blossom Medium Gift Bag, at Marks & Spensers
1 gift bag Approx size: H260 x W180 (at base) x D120 mm

Footglove™ Lace Up Shoe Boots, at Marks and Spenser
Round toe Lace up Stitch detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Autograph Wool Blend Dogtooth Jacket, at Marks and Spencers
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.

DeLonghi Perfecta Easytronic ESAM5400 Coffee Machine, at Marks & Spencer
High performance 15 bar pump pressure Traditional cappuccino milk frother Ultimate bean-to-cup quality with only one touch to create perfect espresso Easytronic digital control panel: stylish ipod-style design with sleek illuminated icon display and rotating control dial Perfecta can be used with either fresh coffee or ground coffee Removable water tank (1.7 litres) Integrated professionalburr grinder with 7 adjustable coarseness settings Adjustable quantities of coffee and water to make an individually tailored cup of coffee Electronic temperature control so you can set your coffee from piping hot to medium temperature Removable brewing unit for easy cleaning Automatic shut-off of machine after a pre-set time has elapsed Adjustable steam emission Double boiler system, with one boiler exclusively for espresso and the other for steam, means your cappuccino can be made almost instantly with the press of one button Rinse and decalcification auto-programmes variable to reflect local water hardness Adjustable height coffee dispenser to accommodate either full size or espresso size Active cup warmer Removable drip tray with water level indicator Stylish high gloss black 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 , Manufacturer: Marks & Spencer

Cashmilon™ 3/4 Sleeve Slash Neck Jumper, at M&S
Fashionable and flattering, this 3/4 sleeve slash neck jumper is made from supersoft cashmilon™ and features a ruched front detail

Linen Blend Aztec Embroidered Skirt, at M&S
Long and elegant, this linen blend skirt is a stylish, versatile choice. A smart modern choice

Short Sleeve Spot Print Belted Cardigan, at M&S
Modern and stylish, this jumper features a waist tie. A versatile, easywear style

T397718, at M+S
Manufacturer: Marks & Spencer

Luxury Wool Rich Flat Front Trousers, at Mark's & Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

The Bourne Identity Blu-ray DVD, at M+S
Rating Suitable for 12 years and over,

Freshfeet Suede Leather Mule Slippers, at Marks and Spenser
Round toe Faux fur lined Toggle feature Mule style With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Maternity Spot Print Full Length Leggings, at Marks and Spencer
Fashionable and modern, these spot print leggings are designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. An essential fashion favourite

Linen Blend Short Sleeve Stripe Shirt, at Marks and Spenser
Chic and modern, this short sleeve shirt is made from a cool crisp linen blend and features stripe design

Fuzzy Teddy Hand Finished Birthday Card, at Marks & Spensers
Cover text: Happy Birthday xxx Inside message: To you! Approx size: 174 x 126mm

Per Una 3 Piece Bolero & Vest Set, at Marks & Spensers
A fashionable 3/4 sleeve bolero featuring a matching vest and added scarf

Mixed Panel Textured Skirt, at Marks and Spencers
Elegant and feminine, this flared skirt features a mixed panel design. Stylish, practical and fashionable

Minted New Potatoes, at Marks & Spencer
Serves 4-6 Ready to cook Suitable for nut allergy sufferers 800g total weight As featured on page 41 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

3 Cool & Fresh Pure Cotton Boxers, at Marks & Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

M&S Breadmaker, at Marks and Spenser
Loaf size 500 - 750g 600 watt Large LCD display with backlight Adjustable crust control: light, medium and dark 13 hour programmable delay timer 60 minutes keep warm function 12 digital program menus Non-slip feet Stainless steel Dishwasher safe, non-stick bread pan & kneading blades Dimensions: H29 x W34 x D31cm 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 , Manufacturer: Marks & Spencer

Sony RHT-G500 Integrated Home Theatre System, at Marks & Spensers
Designed for use with 32-40 inch BRAVIA™ LCD TVs 3.1 Channel S-Force Pro Surround with centre, left and right speakers and subwoofer built into the TV stand Audio inputs for TV, DVD and Blu-ray Disc™ - can accept sound from a wide range of sources: the TV, DVD players and satellite/cable/terrestrial digital set-top boxes. It even delivers high-definition sound from a Blu-ray Disc™ player or Playstation 3 Three HDMI inputs, compatible with the latest Full HD 1080p picture formats: connect all your video New BRAVIA Sync - perfect syncronization of BRAVIA LCD TV and home theatre with a push of a button Digital Media Port - connect your Network WALKMAN, i-Pod, mobile phone, or computer to enjoy your music through the speakers Portable Audio Enhance - enhance the sound from portable audio devices by connecting them to the HTS 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

Besides Marks & Spenser Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings 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 M+S purchases are also protected while you take them home.

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