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 Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Mark's & 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, 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 Financial Services 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 Financial Services 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 M&S Financial Services. Not least of these is Marks&Spencer Standard Car Insurance. With M&S Financial Services you can keep the cost of your Car 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 Car Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spenser, 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 Car Insurance from M+S Money, you get more, and you pay less.

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

• M&S Insurance: M&S Car 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 & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Crossover Mules, at Marks and Spencers
Round toe Flat

Autograph Pure Cotton Fine Stripe Shirt, at Marks and 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

Pinwheel Bedset, at Mark & Spensers
Embroidered pinwheel design Single set includes single duvet cover and 1 pillowcase Double set includes double duvet cover and 2 pillowcases King size includes king size duvet cover and 2 pillowcases Super king size includes super king size duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Adored Floral Embroidered Non Padded DD-G Bra, at Mark's & Spencer
Delicate and stylish, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & Autograph M500 Mattress - Medium, at Marks & Spensers
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Mattress spring count: 1225 Sprung-edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Turned Wood Floor Lamp, at Marks & Spencers
Fabric shade Turned wood stem Round base Dimensions: H176.4 x Diam 41cm Bulb: BC GLS Max 60W, Manufacturer: Marks & Spencer

Ultimate Short Sleeve Narrow Stripe Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Soft Vanilla Pillar Candle, at Marks and Spencers
Vanilla fragrance Chunky design Ribbed detail Includes shallow holder H7 x D2.5cm, Manufacturer: Marks & Spencer

Fuzzy Teddy Grandpa Card, at Marks and Spencer
Cover text: Grandpa... ... down tools on your birthday! Inside message: Blank for your own message Approx. size: 150 mm x 150 mm

Lena Side Table, at Mark's & Spencer
H46 x W35 x L135cm Hand woven natural rattan Rattan frame Indoor use only Boxed delivery - This product is delivered boxed to your door. Self-assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Essentials Long Sleev Wrap with Merino Wool, at Marks and Spencer
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Starry Animal Presents Multipack of Mini Cards, at Marks n Spencer
8 cards, 4 designs Cover text: All cards are blank 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: 95 x 80mm

Pure Cotton Short Sleeve Assorted Face T-Shirt, at Marks and Spenser
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Post Surgery Modal Rich Floral Print Bra, at Marks and Spencer
Pretty and feminine, this modal bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Bubbles Bud Vase, at Marks and Spencers
This hand made bubble bud vase is an ideal way to add a bit of colour and elegance to any bare space in your home

Machine Washable & Tumble Dry Single Breasted 2 Button Black Stripe Jacket, at Marks & Spencer
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

Portfolio Assorted Bead Stretch Bracelet, at M&S
Stretch style Assorted bead design

Older Girls' Lace-Up Basic Trainers, at Marks & Spensers
Sporty and stylish, these comfortable trainers feature mesh detail and lace-up fastening

Easy Fast Food Cooking Book, at Marks & Spensers
Perfect too cook up after a hard day at work, these fast food recipes are not only simple and quick, but theyre fresh, delicious and healthy. There are meals for on-the-move, chill-out sessions, quick fixes, snacks and sweets treats, all for you to enjoy

3D Rosebud Cushion - Pink, at Marks and Spencer
Square shape 3D rose appliqu design L43 x W43cm, Manufacturer: Marks & Spencer

Rioja Campo Aldea Tempranillo 2008 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork 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

Tazetta Drop Earrings, at Marks and Spencer
Hook fastening Drop style Mixed bead design Diamant detail

Double Breasted Jacket with Cashmere, at Marks & Spencers
Beautifully tailored and finished with careful attention to detail, this sophisticated jacket is made from superior wool rich fabric with cashmere for softness and luxury

Wall Art Wire Tree, at Mark's & Spencer
Handcrafted Made of mild steel wire Approx size: 76 x 1 x 53cm, Manufacturer: Marks & Spencer

Pure Cotton Cord Duffle Hooded Coat, at Marks & Spensers
Comfy and cosy, this cord duffle coat feels soft and warm and is great value. A practical, easycare style

Collezione Luxury Wool Rich Micro Stripe Trousers with Cashmere, at Mark & Spencers
Italian style is renowned for its attention to detail. Each collezione piece 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 these trousers to give you a feeling of luxury like no other

Autograph Pure Wool Single Breasted 2 Button Stripe Jacket, at Marks & Spencers
The only choice for the sharp dresser: Autograph's stylish designer-quality collection boasts the finest fabrics and closest attention to detail for an impeccable contemporary look

Limited Collection Hippy Shaker Earrings, at Marks & Spencer
Hook fastening Drop style Hippy shaker design For hygiene reasons, refunds will only be given in accordance with your legal rights

Vin D'Alsace Gewurztraminer 2008 - Case of 12, at Marks & Spensers
Style: Dry Grape variety: Gewurztraminer Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Floral Pegs Birthday Card, at Marks and Spencer
Cover text: Happy 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: 150 x 150mm

M&S Financial Services 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 Car 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; Car 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.