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 n Spencer are so useful. Marks & Spencers Money financial products are, of course, designed to make Marks and Spenser 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencers 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 Marks & Spencers 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 Marks & Spencers 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, Sainsbury's, 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

Marks and Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but Marks and 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 Marks & Spencers Money website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services 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 Household 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 (Household 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 and Spencer insurance products in document format too.

Draping Wisteria Embroidered Cushion, at M+S
Rectangular shape Floral embroidery, Manufacturer: Marks & Spencer

Pure Cotton Cat Print T-Shirt, at Marks & Spenser
A cat print design makes this soft cotton top extra pretty

Artificial Star Orchid in Optic Vase, at Marks & Spenser
Artificial orchid Comes in glass vase H53cm, Manufacturer: Marks & Spencer

Electronic Square Scales, at Mark's & Spencer
Digital display Dimensions:W28 x L31cm Maximum capacity: 152kg, Manufacturer: Marks & Spencer

Older Boys' Bump Toe Boots, at Mark's & Spencer
Round bump toe feature Triple riptape straps Stitch detail Grip sole

Barrel Tumbler, at Marks & Spencer
Barrel design Tumbler style Clear glass H8.5 cm Capacity: 300ml (30cl), Manufacturer: Marks & Spencer

Autograph 3 Piece Pure Cotton Jeans Outfit, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

M&S Glass TV Stand up to 50'', at Marks & Spensers
Supports LCD and plasma TVs up to 50" Toughened safety glass shelves Increased rigidity Clear glass with chrome supports Dimensions: H343 x W1187 x D540cm 79kg maximum top load weight Simple home assembly 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

Black Tissue and Wrapping Accessories, at Mark & Spensers
Pack contains: 3 sheets of tissue, Gift tag, Ribbon Approx size: Tissue: 50 x 70mm, Tag: 80 x 45mm, Ribbon: 120cm

Cotton Rich Double Button Wide Leg Jeans, at Marks & Spencer
Fluid and feminine, these wide leg jeans sit comfortably on the waist and are cut to fit and flatter, giving an elegant silhouette. Added stretch gives the perfect fit

Limited Collection Dogtooth Jacket, at Marks and Spencer
Inspired by classic French couture, this chic piece is one you'll love season after season. For a contemporary update, wear juxtaposed with denim to keep the look fresh and youthful

Cat Print Umbrella, at Mark's & Spencer
Brighten up rainy days with this stylish lightweight umbrella

Cracked Shell Heart Necklace, at M+S
Multi-strand design Cracked shell heart design Adjustable length Clasp fastening Necklace length 43cm, extendable by 7cm

Pearl Effect Wire Baroque Necklace, at M&S
Dual-strand feature Pearl-effect design Length: 44cm

Autograph Leather Derby Brogue Shoes by Jeffery-West, at Marks and Spencer
Square toe Punch detail Lace up 3 eyelets Shallow block heel

Limited Collection Long Sleeve Waterfall Collar Check Jacket, at Marks & Spencer
Elegant and feminine, this tailored check jacket features a waterfall collar. A smart and stylish choice

3 Crew Neck Short Sleeve Vests, at Marks & Spencers
Keep warm and cosy with these comfortable vests, made in cool and breathable cotton. A great value set that's essential in the colder months

Anthony Bear Hand Finished Multipack of Cards, at Marks & Spencer
Cover text: Design 1: have a lovely Easter, Design 2: Happy Easter! Design 3: spring wishes Inside message: All designs, blank for your own message Pack contains: 6 cards, 3 designs Approx size: 147 x 70mm

Younger Girls' Pure Cotton Little Miss Hooded Poncho, at Marks and Spencer
Fans of Mr Men & Little Miss will love this hooded cotton poncho featuring the popular character. A practical, easycare style

Stain Defence™ Buckle Detail Pleated Skirt, at Marks & Spensers
Smart and stylish, this fashionable skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit. It's non-iron and easycare for convenience

Pure Cotton Batman Mock Layer T-Shirt with Cape, at Marks and Spencer
Fans of Batman will love this pure cotton mock layer t-shirt featuring the popular character. A practical, easycare style

Aguasanta Carmènere 2007 - Case of 12, at Mark's & Spencer
Style: Dry, medium bodied Grape variety: Carmnere Country of origin: Chile Closure: Screw cap Suitable for vegetarians and vegans 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

Patch Kitten Pencil Pleat Curtains, at M&S
Kitten detail Floral print hem Pencil pleat Comes in standard 168cm/66in (STD) Also comes in two drop lengths: short (137cm/54in) and medium (183cm/72in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Electronic Square Scales, at M&S
Digital display Dimensions:W28 x L31cm Maximum capacity: 152kg, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Check Top, at Marks n Spencer
A check design makes this soft pure cotton top extra fashionable

Blue Sketchy Floral Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 140 x 340mm

Silver Plated Gypsy Charm Bracelet, at M+S
T-bar fastening Mulitple charms

2 Autograph Supima® Button Fastening Trunks, at Marks and Spencers
Made with soft, luxurious Supima cotton, these superior trunks are designed for exceptional comfort, a fashionable look and a flattering fit

Linen Blend Safari Pocket Cropped Trousers, at Marks & Spencers
Smart and modern, these linen blend below-the-knee trousers are tailored for a chic contemporary look

Per Una Long Sleeve Water Repellent Jacket, at Marks and Spencers
A casual short jacket featuring a large collar and stitch detail.

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks & Spencer Standard Motor Insurance. With Marks & Spencers 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 & Spencers 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 & Spencers, 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 M&S Finance, you get more, and you pay less.