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 Spencer are so useful. M&S Money financial products are, of course, designed to make Mark & Spensers 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 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, M&S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

Also, on both M&S 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.

Footglove™ Wide Fit Bow Wedge Shoes, at Mark's & Spencer
Put your best foot forward with these stylish Footglove™ shoes in soft leather. They're lightweight, flexible and exceptionally comfortable

5 Assorted Contrast Stitch Knickers, at Marks & Spencer
Cute and trendy, this 5 pack of cotton knickers makes a great way to stock up on essential style

Older Girls' Widefit Permair™ Leather Flower Bar School Shoes, at M+S
Round toe Floral detail Riptape fastening strap Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Autograph Pure Cashmere Crew Neck Cardigan, at Mark & Spensers
Sophisticated and modern, this crew neck cardigan is made from pure cashmere for the ultimate in luxurious softness

Danie de Wet Chardonnay sur Lie 2008, Robertson - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: South Africa Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13.5% Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites This product is not available for international delivery. Find out more

Knee Length Stripe Skirt, at Marks and Spencer
Fashionable and contemporary, this stripe print skirt is a stylish, versatile choice. A great work-to-evening style

Younger Girls' Dora The Explorer Lunch Box, at M&S
Cute and fun, girls will love this Dora the explorer lunch box. An ideal gift

Mum & Dad Glitter Text Anniversary Card, at Marks & Spencer
Cover text: Happy Anniversary Mum & Dad Inside message: Blank for your own message Approx size: 175mm x 125mm

Pacific Armchair, at Marks and Spencers
H92 x W83 x D91cm Seat: H54cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Cushion covers are removable on this range Frame made from solid wood wrapped in pandan. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Pine feet with a light 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

Pure Cotton Short Sleeve Mock Layer Jersey Top, at Mark's & Spencer
Smart and stylish, this mock layer top is made from cool comfortable cotton and features front pleat detail and stripe design

The Gruffalo, at Marks and Spencer
"A gruffalo? What's a gruffalo?" "A gruffalo! Why, didn't you know? He has terrible tusks, and terrible claws, and terrible teeth in his terrible jaws." And so begins the story of a quick-witted mouse as he encounters a host of predators who seem to think he might make a tasty treat. As he ventures deeper into the deep dark wood, stumbling across a hungry fox, a not-so-wise owl, and a slimy snake, spinning ever-extraordinary yarns about the scary, scaly gruffalo, he quickly realises that the hungry beast he has been talking of isn't imaginary after all.

Sonoma Light Triple Wardrobe & 2 Bedside Chests Set, at M&S
3 piece set Triple wardrobe: H200 x W130 x D65cm 1 hanging rail 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door Bedside chest: H60 x W45 x D45cm Elongated wooden handles 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 Handles made from solid wood 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 manufacturer's instructions, and be aware that polishes can add sheen., Manufacturer: Marks & Spencer

Wire Leaf Bowl, at Mark's & Spencer
Leaf design H12 x Diam 32cm, Manufacturer: Marks & Spencer

Mens' Interest - Magazine Gift Subscription, at Marks & Spenser
With this gift subscription, the recipient can choose from 1 of 6 great magazines - Arena, Car, FHM, Zoo, Golfer or Empire

A5 Kitchens Diary, at M+S
Pack contains: 1 diary & 4 magnets Diary: 215 x 150 mm Gift box: 220 x 230 x 30mm

Detroit 5 Drawer Chest, at Marks & Spencers
H105 x W90 x D45cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European hardwood. Draw fronts made with oak veneer Solid oak legs Side panels made with Oak veneer Top panels made from Oak veneer with a 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Duckling & Bear Record Book, at Marks & Spencer
Contains: 1 record book Approx size: 285 x 220mm

Pure Cotton Funnel Neck Stripe Sweatshirt, at Mark's & Spencer
Smart and stylish, this funnel neck sweatshirt is made from cool comfortable cotton and features a stripe design

Collezione Diamanté Weave Cufflinks, at Mark & Spensers
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Aluminium 28cm Frying Pan, at Marks&Spencer
Non-stick interior Even heat distribution Diam: 28cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Embroidered Bib Top, at Marks and Spencers
This short sleeve top will make a useful addition to your wardrobe. It features pretty embroidered bib detail for a stylish casual look

Per Una Knee Length Sunset Stripe Skirt, at M&S
A stylish knee length skirt in soft fabric featuring a sunset stripe design. Wide tie waist feature gives it the Per Una touch

Older Girls' Star Button Ballet Pumps Slippers, at Marks & Spencers
Round toe 2 star button feature Ballet pump style Slip on Flat sole

Pinwheel Cushion, at Mark & Spencers
Rectangular shape Embroidered pinwheel design L30 x W50cm, Manufacturer: Marks & Spencer

Tiga Glazed Unit, at Marks & Spencer
H191 x W95 x D42cm 3 fixed wooden shelves 2 toughened-glass doors Made from sheesam wood Finished with a protective matt lacquer for added durability 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

Sartorial Fine Tasselled Trim Stripe Scarf, at Marks & Spensers
Keep out the cold in style with this warm, soft luxury scarf

Pheasant Gully Bin 201 Shiraz Cabernet 2008 - Case of 12, at M+S
Style: Full bodied Grape variety: Shiraz & Cabernet Sauvignon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Fairtrade Organic Cotton Tiger Romper & Hat, at Marks and Spencers
Look below to see a video clip about Fairtrade This cute romper is made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Limited Collection Leather Biker Jacket, at Marks & Spencer
A fashion-conscious look in luxurious leather, this biker style jacket is a must have

Lilac Allium 70th Birthday Card, at Marks and Spencers
Approx. size: 178 x 126mm Cover text: Happy 70th birthday Inside message: With love on your 70th birthday

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser 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 and Spencer, 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.