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 M&S are so useful. M+S 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 M+S 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 M+S Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M&S 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tescos 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 Motor 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 M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

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 Mark's & 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 Money website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M+S Money 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 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 Marks & Spenser insurance products in document format too.

5 Older Boys' Graphic Camouflage Socks, at Marks and Spenser
The graphic camouflaged design adds a stylish touch to these comfortable socks

Lego City Police Car Toy, at Marks and Spencer
Suitable for ages 5+ Consists of one police car and a minifigure This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Hand Made Spring Flowers Birthday Card, at Marks and Spencers
Cover text: Wishing you a lovely 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 Approx size: 230 x 114mm

Machine Washable Plain Coloured Tie, at M+S
This smart tie is outstanding value. It's machine washable, so you save on cleaning too!

2 Underwired Plain T-Shirt Bras, at Mark & Spencers
Feminine and pretty, these underwired plunge bras are outstanding value

Thelema Sutherland Chardonnay 2008 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: 100% Chardonnay Country of origin: South Africa Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites This product is not available for international delivery. Find out more

Petite Single Breasted Water Repellent Mac, at Marks & Spencer
Practical and fashionable, this water repellent mac is perfect for drizzly days

Cut About Stripe Long Length Skirt, at Mark & Spensers
Elegant and feminine, this A line skirt features a cut about stripe print and panel design. Stylish, practical and fashionable

Pure Wool Fedora Hat, at Marks&Spencer
Make a stylish impression with this fedora. It adds a smart touch to formalwear and looks contemporary with casuals

Signature Large Filled Glass Candle, at Marks&Spencer
Fill your home with the tangy and oriental scent of grapefruit and ginger with this beautifully scented candle

Autograph Skinny Tie, at Marks and Spencer
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Luxury Wool Rich 2 Button Jacket with Cashmere, at Marks & Spencers
Hours of handcrafting have gone into this wool and cashmere suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

M&S Steam Generator Iron, at Marks&Spencer
Manufacturer: Marks & Spencer

M&S Combo Corded & Cordless Phone with Answering Machine, at Marks & Spencers
Up to 9 hours talk time and 150 hours standby Large 3 line display on base 300 name and number phonebook (150 on corded, 150 on handset) 3 direct memory on corded base Up to 14 minutes digital recording time and remote access Handsfree speakerphone Caller display stores information on the last 20 calls 10 ringer melodies Last 10 number redial Adjustable earpiece, ringer and speakerphone volume Interference free 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 Wi-Fi Radio MX-200, at Mark's & Spencer
Uses your wireless broadband connection to connect to the web Stream audio from the web Listen to more than 6000 stations from around the world Stream audio from your computer Dimensions: H17.5 x W21 x D11cm 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

Lullaby Bear with Blanket Comforter, at M&S
Teddy bear with detatchable comforter blanket Contrast soles Double lined for safety Bear: H23 x W13 x L22cm Blanket: 25 x 25cm Suitable for ages 0+ This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Leather Stud Pumps, at Mark's & Spencer
Round toe Stud toe feature Slip on Heel height: 15mm

Soft Vanilla Lantern Candle, at Marks & Spencer
Soft vanilla fragrance Includes wooden plate Burns up to 4 hours, Manufacturer: Marks & Spencer

123 Sticker Book, at Marks & Spensers
This sticker book will keep them busy as they look for an incredible 150 stickers inside!

Flat Front Eveningwear Trousers, at Marks and Spencers
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Classic Duckling Mug & Plush Toy, at M & S
Contains: 1 mug, 1 soft toy Mug diameter: 75 mm

Wool Blend Flat Front Fine Stripe Trousers, at Marks and Spenser
Smart and stylish, these trousers are made from a hardwearing wool blend with added stretch. An ideal choice for work or everyday wear

Classic Collection Floral Print Jersey Top, at M&S
This elegant easycare blouse has an integrated camisole for a feminine layered look. It makes the perfect match for skirts or trousers in coordinating colours from the Classic collection

Ruby Creamer & Sugar Bowl Set - Red, at Marks & Spencer
2 piece set Stripe design Sugar bowl H7 x diam 9.5cm Creamer H7.5 x diam 6cm, Manufacturer: Marks & Spencer

SupimaŽ Pure Cotton Non-Iron Housewife Pillowcase, at Mark's & Spencer
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel, Manufacturer: Marks & Spencer

Starry Girl Birthday Card, at Marks and Spencers
Cover Text: Have a fab birthday Inside Message: Blank for your own message Approx size: 230 x 114mm

Handcrafted Blue Vase Mother's Day Card, at M&S
Cover text: With love on Mothering Sunday Inside message: Have the happiest day Approx size: 178 x 126mm

Leaf Trellis Eco Wallpaper, at Marks and Spencer
Textured wallpaper Offset pattern repeat 64cm - The pattern runs diagonally across the wall, so only alternating rolls will be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests Eco range - environmentally friendly wallpapers printed on paper from managed timber sources (100% FSC) using purely water-based inks How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Sterling Silver Filigree Heart Pendant Necklace, at Marks & Spenser
Clasp fastening Fine chain Filigree heart pendant

Autograph Embroidered Short Sleeve Blouse, at MarksandSpencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the M+S online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M+S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.