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 M&S 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.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks n 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 & Spencer, 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 & Spencers Money, you get more, and you pay less.

Besides Marks & Spensers Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Buildings & Contents 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 & Spencers purchases are also protected while you take them home.

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

Long Sleeve Hooded Pack Away Mac, at Mark's & Spencer
Don't let sudden showers spoil the fun! Compact and practical, this foldaway mac comes in handy when you're out and about

Sony HTP-B350IS Home Theatre System, at Mark's & Spencer
Sony BDP-S350 Blu-ray Disc player - outputs HD1080p / 24p True Cinema picture, plus upscales existing DVD's to give you the best quality when using the HDMI connection 5.1 channel surround sound system with 450W total power output Cut equipment clutter and enjoy massive sound from speakers no bigger than a golf ball 3 HDMI™ inputs (1 out) with pass through of High Definition 1080p plus x.v. Colour and 24p True Cinema technology that adjusts picture settings on pass through to make movies look as authentic as the original Sony DIGITAL MEDIA PORT - connect to and release digital music stored on your WALKMAN or other mp3 players, mobile phones, Bluetooth and Wi-Fi devices 3x optical inputs for connectivity to set-top boxes and gaming consoles S-AIR Ready - an optional extra that enables you to go wireless and enjoy a cable free environment (rear speakers only) Multimedia guaranteed with BD-ROM/R/RE, DVD-+Video/R/RW, CD Playback, AVCHD Playback BD-Live ready: Just connect the player to the internet and download the latest firmware to access studio-specific online content including trailers, interviews and other extras through your Blu-ray Disc™ Player. The Quick Start-up mode enables you to enjoy your Blu-ray movies already after just six seconds (6 sec). The new XrossMediaBar™ guarantuees an easy to understand menu control, simple for everybody to use intuitively all of the players functions With 24p True Cinema you can sit back and watch the film like in real cinema, without length or quality losses New Precision Cinema HD Upscale technology that converts standard-definition signals (480i) to 1080p and outputs a full HD equivalent resolution signal to 1080p TVs via HDMI™

Sister Lily's Spring Flowers Birthday Card, at Marks and Spenser
Cover text: for my Sister Inside message: Wishing you a Wonderful Birthday Approx size: 175 x 125mm

Thermal Long Sleeve Ribbed Vest with Silk, at Marks & Spencer
Indulge in soft, warm comfort with this thermal easy to wear knitted vest. Perfect for adding a snug extra layer to your outfits during the winter months

Collezione Pure Wool Single Breasted 2 Button Jacket, at M+S
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. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Pure New Wool Plain Polo Neck Jumper, at Marks & Spencer
Made from pure lambswool, this roll neck jumper is irresistibly soft and cosy

Cotton Rich Printed Motif Joggers, at Marks & Spensers
Relaxed and comfortable, these casual joggers are made from soft cotton rich fabric and feature a motif. A practical easycare choice

Fresh Rose Infusion Sticks, at Marks & Spenser
Glass container Long lasting infusion sticks Fresh rose scented, Manufacturer: Marks & Spencer

Gold Label Collection - Case of 12, at Mark's & Spencer
3 Gold Label Sauvignon Blanc 2008: Fans of dry, fresh and fruity whites will love this lively French Sauvignon Blanc... 3 Gold Label Chardonnay 2008: A ripe yet elegant example of French Chardonnay showing rich peach and pineapple fruit and a hint of creamy oak... 3 Gold Label Merlot 2007: A modern, fruity red wine made from the fashionable Merlot grape... 3 Gold Label Cabernet Sauvignon 2007: A delicious French red that shows all the hallmarks of the Cabernet Sauvignon grape... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Pure Cotton Stripe Long Sleeve Shirt, at Marks n Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Autograph V-Neck Mock Shirt Jumper, at Marks & Spencer
Fashionable and contemporary, this mock layer jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Portfolio Wide Leg Tab Detail Trousers, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Sensuale 100ml Eau De Toilette, at Marks and Spenser
100ml Eau de toilette

Silver Plated Rameses Abalone Earrings, at Marks & Spencer
Hook fastening Drop style Abalone pendant For hygiene reasons, refunds will only be given in accordance with your legal rights

Limited Collection Athena Fringe Necklace, at Marks & Spenser
Fringe design Beaded detail Adjustable length Clasp fastening Necklace length: 41cm

Autograph Leather Snake Skin Effect Cuff Shoes, at Mark & Spensers
Open toe Ankle cuff Snake skin design Buckle fastening High heel Heel height: 9cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Flowers Small Gift Bag, at M & S
Contains: 1 gift bag Approx size: H160 x W160 x D90mm

4 Linen Mugs - Sage, at Marks and Spenser
Set of 4 H 11cm Linen floral print, Manufacturer: Marks & Spencer

Easy Iron Pure Cotton Short Sleeve Gingham Shirt, at Mark & Spensers
Stylish and innovative, this gingham easycare shirt is quick and easy to iron for a smart crisp look

Per Una Floral Print Pleat Skirt, at Marks & Spencer
A stylish mid-calf length skirt in stretch cotton featuring a floral print and pleat design

Per Una Short Sleeve Cornelli Tab Cardigan, at Marks n Spencer
A casual short sleeve cardigan in a soft knitted fabric featuring an embroidered design and scoop neck

Leather Cross Body Bag, at M & S
Fashionable, comfortable and secure, this cross-body bag is made from luxurious hardwearing leather and features an adjustable strap and front compartments. A practical and stylish accessory

Autograph Faceted Stud Earrings Made with CRYSTALLIZED™ - Swarovski Elements, at Marks & Spencer
Faceted disco stud design Butterfly fastening Made with CRYSTALLIZED™ - Swarovski Elements For hygiene reasons, refunds will only be given in accordance with your legal rights

M&S 900W Combi Microwave with Grill, at Marks & Spencers
23-litre interior capacity 10 variable power levels, including defrost 900W microwave power output, 1000W grill Heating category E (MAFF rating for cooking time) Dimensions: H28 x W48 x D39cm Stainless steel external cavity 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 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, Manufacturer: Marks & Spencer

Front Panel Knee High Stretch Boots, at Marks n Spencer
Pointed toe Front panel stitch detail Knee high Mid heel Heel height: 65mm Added stretch Comes in sizes 3-8, including half sizes

Per Una Linen Blend Bootleg Trousers, at Marks and Spencer
Come with belt shown A sophisticated pair of bootleg trousers in pure cool linen. A weave belt makes them extra stylish

Pure Silk Satin Bow Tie, at Marks and Spencer
Smart and sophisticated, this pre-tied bow tie adds an elegant finishing touch. Made from luxurious pure silk

Autograph Star Bangles, at Marks & Spencer
3 bangles with charm feature Star design Diamant detail on star

Twinkle Jet Trio Stud Earring Set, at Mark & Spencers
3 pairs Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

White Floral Thank You Multipack of 8 Cards, at Marks & Spencer
Cover text: Thank you Inside message: Blank for your own message Pack contains: 8 cards, 1 design Approx size: 120 x 120mm

Marks & Spencer 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 Motor 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; Motor 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.