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

Marks n Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but MarksandSpencer 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 Financial Services 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 Financial Services loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Buildings 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 Spenser insurance products in document format too.

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

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

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

Detroit 3 Door Sideboard, at Marks and Spencer
H80 x W145 x D40cm With 1 shelf in each cupboard and 1 drawer in the central cupboard 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 from oak veneer Solid oak legs Shelves made with oak veneer Solid oak doors 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

Refreshing Trio Collection - Case of 12, at Marks & Spencers
4 Hungarian Pinot Grigio Ros 2007: An appealing, fresh, vibrant ros, with a delicate strawberry aroma... 4 Hungarian Pinot Grigio 2007: A refreshing aromatic white with vivacious fruity flavours of limes, tangerines and melons... 4 Hungarian Sauvignon Blanc 2007: A refreshing, modern Sauvignon Blanc with a lively aroma... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sleeveless Button Tab Camisole, at Mark & Spencers
This scoop neck top makes a perfect way of getting the smart casual look this season. It has a tab button detail for an extra touch of stylish chic

Maternity 2 Plain Full Length Leggings, at M+S
Fashionable and modern, these plain leggings are designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. An essential fashion favourite

Anthony Bear 18th Birthday Card, at Marks & Spencers
Approx. size: 215 x 150mm Cover text: Have the best 18th birthday! Inside message: Congratulations!

Square Buckle Leather Belt, at Marks and Spencers
Add a smart finishing touch with this leather square buckle belt

Seed Embroidered Cushion, at Marks and Spencers
Rectangle shape Seed embroidered design L30 X W40, Manufacturer: Marks & Spencer

Limited Collection Rio Charm Necklace, at Marks & Spenser
Clasp fastening Multiple charms Multi strand Necklace length 47.5cm, extendable by 7.5cm

Tag & Flowers Sister Birthday Card, at M&S
Cover text: Sister, Hope your Birthday is as special as you are Inside mesage: With Love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

Perfect Modal Blend Open Front Cardigan, at Mark & Spencers
Casual and contemporary, this fashionable open front cardigan is made from supersoft fabric that looks and feels great. Modern styling details give a contemporary edge

Pure Silk Heritage Print Handkerchief, at Marks & Spencers
A luxuriously soft handkerchief in pure cotton

Ingredients Coconut Shower Cream, at Marks and Spencer
200ml Coconut

Thomas & Friends© Pocket Library, at Marks & Spencers
Including 6 pocket size books, this mini library is an ideal gift for any fans of the Thomas & Friends

Autograph V-Neck Colour Block Jumper, at Marks and Spencers
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

Compton Side Table, at Marks and Spencer
1 drawer Crafted from oak and oak veneer H57 x W57 x D50cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Linen Blend Single Breasted 2 Button Jacket, at Marks & Spencers
Smart and stylish, this tailored single breasted jacket is made from a crisp, cool linen blend

Cotton Rich Pick Stitch Slim Bootleg Jeans, at M&S
They have a universally flattering shape that's easily dressed up or down

Double Sided Body Tape, at Marks&Spencer
Body tape is ideal for securing low cut garments and holding your clothes in place just where you want them

Blue Harbour Pure Cotton Long Sleeve Polo Shirt, at Marks and Spenser
Fashionable and relaxed, this long sleeve polo shirt is made from pure cotton it's soft, breathable and comfortable to wear

Cotton Blend Funnel Neck Zip-Up Tracksuit Jacket, at Marks & Spensers
Stylish and practical, this fashionable zip-up tracksuit jacket is ideal for workouts or relaxed casualwear

Silicone Nipple Covers, at Marks & Spencer
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

Plain Full Slip, at Mark & Spensers
A fashion essential you can't do without! This slip enhances the look of dresses and stops them clinging or becoming see-through under light. All our slips are cling resistant and come in a number of lengths

Classic Ceramic Circle Mirror, at Marks&Spencer
Circular shape H68 x W50cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Florentyna Handmade Flower Candle, at Mark's & Spencer
Handmade flower candle Burns up to 15 hours, Manufacturer: Marks & Spencer

Fun Couple in Car Wedding Card, at Marks and Spencer
Cover text: Just Married Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Pure Cotton Short Sleeve Palm Tree T-Shirt, at Marks & Spencer
A practical, casual top in pure cotton featuring palm tree silhouettes. A great value easycare style

Blue Harbour Crew Neck Fleece Top, at Marks & Spencer
Relaxed and cosy, this long sleeve crew neck fleece top is outstanding value!

Portfolio Quilted Shopper Bag, at Marks & Spenser
Stylish and useful, this shopper bag features quilted design. A practical and fashionable accessory

Hooded Long Sleeve Jacket, at Marks & Spenser
Comfy and cosy, this hooded jacket feels soft and warm and is great value. A practical, easycare style

Shopping for financial products at M&S Financial Services 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 Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings 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 Mark's & 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.