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 & 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Car Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Property 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 & Spencer 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 Marks & Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Property Insurance and Standard Property 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.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Marks & Spenser 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 M+S 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 Property 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 (Property 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.

Handcrafted Sex Bomb Valentine Card with Badge, at M & S
Cover text: Sex bomb Inside message: With love on Valentine's Day Approx size: 150 x 150mm

BT Verve 450 Twin Cordless Phones with Answering Machine, at M & S
Fully GAP compatible (register up to 5 handsets) 200 name and number directory Text messaging Clock/alarm Call timer Caller groups with individual ring tones Conference call 10 hours talktime, 100 hours standby Up to 15 minutes recording time for the answering machine Message counter Answer only option Playback through base or handset Call screening 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

Heart Embroidered Towelling Slippers, at Marks & Spencer
Dip your feet into lush comfort with the slip-on design of these cosy mule slippers. The non-slip sole ensures peace of mind, while the inner lining feels like a heavenly treat

Daughter and Son-in-Law Large Wedding Card, at Marks & Spensers
Cover text: To a Special Daughter and Son-in-Law Inside message: With love on your wedding day Approx. size: 220 x 220mm

Baron de Pocé Sauvignon Blanc 2007 - Case of 12, at Marks & Spencer
Style: Dry, Medium bodied Grape Variety: Sauvignon Blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 12.5% Alcohol units per bottle: 9.4 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

Quick Iron Short Sleeve Multi Stripe Shirt, at Marks & Spencers
Stylish and innovative, this multi stripe easycare shirt is quick and easy to iron for a smart crisp look

Winnie The Pooh Slim Diary, at Marks & Spencers
Approx size: 80 x 165mm Licensing details: Disney. Based on the "Winnie the Pooh" works by A. A. Milne and E. H. Shepard. www.disney.com

Luxury Pure Cotton Long Sleeve Fine Check Shirt, at Marks & Spensers
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Autograph Pure Cotton Nautical Print Top, at Mark & Spensers
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

Stain Defence™ Junior Centre Pleat Culottes, at Mark's & Spencer
Fashionable as well as practical, these easycare culottes make a stylish alternative to skirts or trousers for school

Pure Cotton Twill Shorts, at Marks and Spencer
Relaxed and comfortable, these pure cotton shorts make a practical, fashionable choice

Stainless Steel Milk Jug, at M&S
Stainless steel Single handle Pouring spout, Manufacturer: Marks & Spencer

Pastel Zoo Animals Multipack of Mini Thank You Cards, at Marks&Spencer
Cover text: Design 1: thank you, Design 2: thanks, Design 3: thank you, Design 4: thanks! Inside message: Blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

3/4 Sleeve Single Button Cardigan with Wool, at Marks and Spencers
Soft and cosy, this cardigan features 3/4 length sleeves. Stylish, practical and fashionable

Soft Vanilla Room Spray, at Marks and Spencer
Vanilla fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sony Cyber-shot™ DSC-W210S Digital Camera, at Mark & Spensers
Pixels: 12.1 Megapixels Zoom: 4x optical zoom lens, 25x smart zoom(with VGA), 8x precision digital zoom Screen: 2.7'' screen with wide viewing angle ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: W95.2 x H56.5 x D21.8cm Weight: 117g BIONZ processor for enhanced image quality, reduced image noise and fast shooting response HD output for display on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV D-Range Optimizer with new Plus mode adjusts exposure and contrast in high-contrast and backlit scenes Fun in-camera retouching functions including trim, red-eye correction and artistic filters Picture Motion Browser software simplifies image management, searches and viewing on PC Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes 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

Belt Spinner, at Marks & Spencers
Keep your belts smartly stored with this belt spinner. An essential part of any gentleman's wardrobe

Blue Harbour Pure Cotton Car Motif T-Shirt, at Marks & Spencer
Fashionable and relaxed, this car motif t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Pretty Pink Bouquet with 50% More Roses, at M&S
50% more roses when ordering this bouquet for delivery between 21st August to 5th September 2009 Sophisticated and elegant, this array of roses and alstroemeria blooms perfectly captures the freshness of a crisp summer morning Available for delivery from 1st April to 30th September 2009

Indian Summer Velvet Stripe Cushion, at Marks and Spencer
Square shape Stripe design L50 x W50cm, Manufacturer: Marks & Spencer

Pure Cotton Stripe Towel, at Marks and Spencer
Multi-stripe design Comes in 3 sizes Hand towel Bathsheet X-large bath towel, Manufacturer: Marks and Spencer

Per Una Square Button Jacket, at Marks & Spencer
A fashionable notch lapel jacket featuring a single breasted design and square button fastening

Collezione Pure Merino Wool Rugby Top, at Marks and Spencers
Fashionable and contemporary, this rugby collar top is part of Collezione, a sophisticated menswear collection inspired by Italian style

5 Cotton Rich Animal Print Thongs, at Marks and Spencers
These high leg thongs are comfortable, flattering and perfect for avoiding visible lines under tight-fitting clothing

White Pearl Damask Cake or Favour Boxes, at Marks & Spencer
Contains: 10 cake or favour boxes Flat: 155 x 85mm Folded: L130 x W80 x D27mm

Autograph Rectangular Mirror, at Marks and Spencer
This freestanding mirror can be placed on the shelf to aid your shaving or make-up routine. A stylish bathroom essential

Stainless Steel Can Opener, at Mark's & Spencer
Loop in the handle for hanging Chunky grips Can and bottle opener, Manufacturer: Marks & Spencer

Gold Plated Mixed Bead Necklace, at Marks & Spencer
Mixed bead design Clasp fastening Necklace length 122cm

Flower Branch Thank You Card, at MarksandSpencer
Cover text: Thank you Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Sony PSP™ LEGO® Batman®: The Videogame, at M&S
Fight for justice as Batman and Robin or create chaos as The Joker, Catwoman and other villains, as you save or wreak havoc in Gotham City Rocket through sewers and bound across rooftops as you take the fight to the criminals across classic locations in Gotham City Fight on land, sea and in the air using a number of powerful Batman, Robin and villain-controlled vehicles, including the rocket-powered Batmobile, sleek Batboat and stealthy Batwing Enhance the abilities of the Dynamic Duo by unlocking Batman's Demolition, Sonic and Glide suits and Robin's Gravity, Magnetic and Dive suits to help fight Gotham's villains Play through the game in Story Mode from both the hero and villain sides Replay any level in Freeplay Mode with any characters you've unlocked. Access previously hidden areas to find additional rewards and bonus content Collect LEGO studs and special LEGO bricks throughout the game to unlock tons of extra content including special power-ups and bonus levels You must be 7 years of age or over to purchase this product 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Kids to Adults

Marks & Spencer Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Car Insurance is not like that at all, and when you compare M&S Car 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 Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, 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 Car 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.