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 Mark's & Spencer are so useful. M&S Money financial products are, of course, designed to make Marks & Spencer 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home 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 Home 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 Home 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S 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 M&S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark & Spensers, 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.

Autograph Eye Pencil, at Marks & Spencer
Ophthalmologically tested Hypoallergenic

Funnel Neck Tracksuit Jacket, at Marks and Spencer
Whether you're active or relaxed, this versatile tracksuit jacket makes a stylish and comfortable choice

In Bloom Lime Blossom & Bergamot Moisture Rich Body Wash, at Mark's & Spencer
Body wash Mositurising Lime blosson and bergamot fragrance 225ml This product is not available for international delivery. Find out more

Linen Blend Short Sleeve Stripe Shirt, at Marks and Spencer
Chic and modern, this short sleeve shirt is made from a cool crisp linen blend and features stripe design

Finding Nemo Collector's Edition DVD, at Marks and Spencer
Rating Universal, suitable for all,

Maxim Large Mug, at Marks & Spenser
Height 12cm Pure white porcelain Suitable for everyday use, Manufacturer: Marks & Spencer

Blue Harbour Luxury Pure Cotton Bold Stripe Shirt, at M&S
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

Pure Cotton Sports Shorts, at Marks & Spencers
Elasticated tie waist shorts in soft brushed cotton for comfort. Ideal for PE

3 Cosmetic Sponges, at Marks & Spenser
Pack of 3 Butterfly design Contains latex

Abbey Recliner, at Marks and Spencers
H99 x W97 x D91cm Reclines to L158cm. Seat H48cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. 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 Solid birch feet with a dark finish Manual recline mechanism for extra relaxation 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 samples: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

50/50 Embroidered Silver Ribbons Bedset, at MarksandSpencer
Embroidered silver ribbon design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcase King size set includes duvet cover (5ft) and 2 pillowcase, Manufacturer: Marks & Spencer

Autograph Pure Silk Twister Tie, at Marks and Spenser
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Pure Cotton Sleeveless Broderie Vest, at Marks & Spencer
A broderie design makes this soft cotton vest top fabulously fashionable

Open Toe Stripe Slippers, at Marks & Spensers
Open toe Stripe design Flat sole

3 Pure Cotton Stripe Design Trunks, at Marks & Spencer
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Girlie Dress Up Range Water Bottle, at MarksandSpencer
1 water bottle 7cm x 19cm

Girls' Limited Star Print Vest Top with Shrug & Leggings, at Marks and Spencer
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Per Una Long Sleeve Knitted Top with Necklace, at M+S
A relaxed long sleeve knitted top featuring a v-neck. Delicate necklace gives it the Per Una touch

Blue Harbour Cotton Rich Straight Leg Jeans, at M&S
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

2 Machine Washable Mini Ties, at Mark & Spensers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Stormwear™ Long Sleeve Hooded Anorak, at Marks & Spencer
The classic anorak has been given a contemporary twist with a button cuff detail. Designed in an easycare water resistant fabric with a hood, this practical and stylish jacket will keep you dry on rainy days

Big & Tall Twin Pleat Luxury Wool Trousers, at M&S
Smart and stylish, these twin pleat trousers are made from fine quality wool with cashmere for exceptional softness. A practical, hardwearing and fashionable choice

Panasonic TX-P46S10 Full HD Plasma TV, at Marks&Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 46 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast Ratio (in dark surroundings): Dynamic: 2,000,000:1; Native: 30,000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W113.2 x H76.7 x D40.1cm (with stand) W113.2 x H72.2 x D10.5cm (without) Weight: 31kg (with stand) 29kg (without stand) V-Audio with SRS TruSurround XT: V-Audio delivers crystal-clear sound with superior bass performance while the SRS TruSurround produces enhanced surrounding effects Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video, Component Video Input, Headphone Jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 5,1200 steps of gradation Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Wool Blend Straight Leg Flat Front Trousers, at Mark & Spensers
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear

Pure Cotton Short Sleeve 'Im The Little Sister' Top, at M & S
Cute and practical, this top is outstanding value. The soft cotton fabric will keep her happy and comfy

Cherry Blossom Cake, at Marks and Spencer
162 portions Three tier set of three cakes: Small - diam 15cm, Medium - diam 20cm, Large - diam 25cm Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Can be eaten up to 5 days after collection Total height (including board): 29.5cm Fruit cake weight: 12.77kg total Sponge cake weight: 8.03kg total Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 56 of the Food to Order brochure Order by 5pm to collect in 21 days Available for collection in the majority of our UK mainland stores

Big & Tall Blue Harbour Stormwear™ Straight Leg Jeans, at Marks & Spencers
The perfect jeans for the casual outdoorsman, these smart looking straight legs feature a unique stormwear finish that repels water in order to keep you comfortable and dry

Wide Rib Thermal Camisole Vest, at Marks and Spencer
Keep warm and comfortable in this soft thermal camisole vest. Designed to add a cosy extra layer without feeling bulky

3 Pairs of Textured Microfibre Socks, at Marks & Spencer
These soft rib trim socks have added stretch for comfort and durability so they'll last wear after wear

Autograph Corsage Alice Band, at Marks and Spencer
Dress up those tresses in fabulous style with this pretty floral corsage alice band

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