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&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 Marks & Spencers 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 Marks & Spencers Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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

Also, on both Marks & Spencers 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Long Length Stitch Detail Skirt, at Marks & Spencer
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

Gentle Music for Babies CD, at Marks and Spencer
Audio CD, Marks & Spencer

Classic Duckling Thank You Cards - Pack of Ten, at Marks and Spencers
Cover text: thank you Inside Message: Blank for your own message Pack contains: 10 cards, 1 design Approx size: 120 x 120mm

Firm Control Chevron Stripe High Waist Thong, at M+S
This firm control thong shapes you where you need it most, flattening your tummy and nipping in your waist. The thong back is ideal under trousers and close-fitting clothes. The chevron stripe design gives a modern look

Handcrafted Blue Vase Mother's Day Card, at Marks and Spenser
Cover text: With love on Mothering Sunday Inside message: Have the happiest day Approx size: 178 x 126mm

Cartoon Dog Thank You Teacher Card, at Marks and Spencer
Cover text: Thank you teacher! Inside message: You're a star! Approx size: 178 x 1262mm

Autograph Pure Cotton Funnel Neck Moleskin Jacket, at Marks & Spensers
Contemporary styling and superior finishing makes this Autograph jacket a fashionable choice for this season

Double Breasted Chunky Knitted Cardigan, at M&S
Fashionable and flattering, this cardigan features front pockets. A glamorous modern look

Silver Glitter Spot Luxury Wrap Pack, at Marks and Spencers
1 x sheet wrapping paper 1 x gift tag 1 x length ribbon Wrap: 685 x 98mm Tag: 115 x 65mm Ribbon: 2m

3 Autograph Jacquard Tea Towels, at Marks and Spenser
Pack of 3 Jacquard design, Manufacturer: Marks & Spencer

Magic Loc Collection Towel Stand, at Marks & Spencer
3 hanging rails Free standing H91 x Diam 39cm, Manufacturer: Marks & Spencer

Samsung 22'' LE22B450 HD Ready LCD TV, at Marks and Spencer
HD Ready 1080p: High Definition Multimedia Interface™ (HDMI) connections make your TV a multimedia centrepiece. Connect HD digital devices like disc players, game consoles, and satellite dish components into the rear connection for displaying an HD source on an HDTV Display: Samsung's proprietary picture quality DNIe+ enhancing engine with a 22 inch viewable screen and a display resolution of 1366 x 768 Contrast: High contrast Dimensions: With table stand: W557.8 x H437.4 x D216mm, without table stand: W557.8 x H384.1 x D75mm Weight: Including stand - 6.5kg, Without stand - 5.1kg SRS TruSurround XT: SRS Trusurround HD & Dolby Digital Plus for enhanced surround sound effect Connectors: HDMI x 1, composite (AV) x 1, PC input (D-sub) x 1, Component(Y/Pb/Pr) x 1, RF Input x 1, Headphone x 1, Scart x 1 DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Additional features: Sleep timer, clock & On/off timer, auto channel search, auto power off, auto volume leveller, game mode, teletext(TTXT) 1000p

4 Beef Wellingtons, at Mark & Spensers
Serves 4 Ready to cook Suitable for freezing 980g As featured on page 35in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

5 Older Girls' Pure Cotton Assorted Shorts, at Marks and Spencer
Cute and trendy, this pack of 5 cotton briefs makes a great way to stock up on essential style

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

Portland Large 2-Seater Sofa, at Marks and Spencers
H76 x W230 x D102cm Seat H52cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 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 Feet are castors 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 08457 624 624 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

Single Breasted 1 Button Angled Pleat Jacket, at Marks & Spencers
Chic and stylish, this jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Ethnic Hoop Earrings, at Marks & Spencer
Hook fastening Hoop style Assorted beads For hygiene reasons, refunds will only be given in accordance with your legal rights

Cotton Rich Low Rise Plain Shorts, at Marks & Spencer
Low rise shorts are perfect for wearing with hipster styles and these stylish cotton rich shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Ultimate Stormwear™ Pure New Wool Single Breasted 2 Button Jacket, at Marks and Spenser
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Embroidered Cross-Over Non-Wired Full Cup Bra, at Marks&Spencer
A classic cross-over bra designed to give you a great level of support without any fuss. Full cups work together with adjustable straps to give you a good shape without wiring

Jet Graduated Bead Necklace, at Marks & Spenser
Bead feature Clasp fastening Necklace length 49cm, extendable by 5cm

Easy Iron Poplin Long Sleeve Shirt, at Mark's & Spencer
Smart and stylish, this formal shirt features an odour fighting stayfresh finish that makes it easy for you to stay cool, crisp and comfortable throughout the day

Faux Crocodile Skin Double Handle Bag, at Marks and Spencer
Stylish and useful, this double handle bag features faux crocodile skin. A practical and fashionable accessory

Malabar 2-Door Glass Top Unit, at Marks and Spencer
H114 x W124 x D47cm 2 adjustable shelves Sideboard sold separately Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles Glass doors are made from safety-tested toughened glass 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 manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy this top unit as part of a set. Click here to view the Malabar Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Eau De Toilette Purse Spray 25ml, at Marks and Spencer
25ml eau de toilette

Pure Cotton Denim Skirt with Belt, at MarksandSpencer
Cute and comfy, this belted skirt is made from denim for a fashionable casual look

3 Pure Cotton Assorted Boxers, at Mark & Spensers
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Limited Collection Bow Cut Out Court Shoes, at Marks and Spenser
Almond toe Court style Cut out detail Bow feature Mid heel Heel height: 72mm Comes in sizes 3-8, including half sizes

Blue Harbour Pure Cotton Corduroy Trousers, at M+S
Relaxed and comfortable, these smart casual cords are made from pure cotton and feature front and rear pockets

Marks & Spencers 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.