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 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, 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 Financial Services 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

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 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 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 Spencers, 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.

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and 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 and 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 Car Insurance from Marks & Spencers Money, you get more, and you pay less.

Groove Arm Aviator Sunglasses, at Marks and Spencer
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Per Una Roma Cotton Rich Bootleg Jeans with Belt, at Marks & Spenser
A smart pair of bootleg jeans in stretch cotton featuring a double buckle belt

5 Cotton Rich Animal Print Bikini Knickers, at Marks & Spencer
These animal print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pure Cotton 3/4 Sleeve Stripe Top, at Marks & Spensers
For casual elegance, you can't beat this stripe crew neck top. A great value cotton essential

Younger Boys' Pirate Slippers, at Marks and Spencers
Round toe Slip on Pirate motif

Panasonic Lumix DMC-FS6 Digital Camera, at Marks and Spenser
Pixels: 8.1 megapixels Optical zoom: 4x Digital zoom: 4x Display: 2.5 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.7 x H5.4 x D2.1cm Weight: Approx. 137g with Battery and SD Memory Card, Approx. 115g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Built-in-Flash: Auto, Auto/Red-eye Reduction, Forced On, Forced Off 0.3 - 6.3m (Wide/ISO Auto), 0.5 - 3.0m (Tele/ISO Auto) Recording Media: Built-in Memory (approx 50mb), SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only)

Portfolio Multi Strand Faux Pearl Necklace, at MarksandSpencer
Clasp fastening Adjustable length Multi strand Faux pearl design Necklace length: 41cm, extendable by 8cm

Blue Harbour Long Sleeve Zip Funnel Neck Top, at Marks and Spencer
Fashionable and relaxed, this zip funnel neck top is made from pure cotton it's soft, breathable and comfortable to wear

Single Breasted 2 Button Jacket, at Marks and Spencer
A style classic at a great value price, updated with a modern cut and contemporary detailing

Machine Washable Multi Stripe Tie, at M+S
No more trips to the drycleaners! This contemporary spot print tie is machine washable

5 Younger Boys' Assorted Socks, at Marks and Spencers
The stripe and argyle design adds a stylish touch to these comfortable socks

Quick Iron Short Sleeve Gingham Shirt, at M+S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

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

Handcrafted Contemporary Eggs Easter Card, at Mark's & Spencer
Cover text: Easter treats Inside message: blank for your own message Approx size: 230 x 114mm

Maternity Long Sleeve Longline Tunic, at Marks and Spencer
Fashionable and modern, this long sleeve tunic is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. A fashionable, functional choice

Stormwear™ Hooded Block Panel Padded Jacket, at Marks and Spencer
Practical and fashionable, this padded jacket is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Shop Till, at Marks and Spencer
H12 x L30 Bright colour till Shopping basket Shopping to put through till Cash and cards to play with Suitable for 3+ This product conforms to EN71 and the Toy Safety Directive 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

Per Una Pear Buckle Belt, at Marks & Spencer
A bold buckle makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Castillo del Moro Airen Sauvingon Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: 85% Airen and 15% Sauvignon Blanc Country of origin: Spain Closure: Screw cap Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml: 1.4 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

British Heritage Leather Wetherby Brogues, at Marks and Spencers
Enjoy the best of Britain with our British Heritage range. Handcrafted in England, these timeless shoes use the finest calf leather and traditional Goodyear Welted Construction. They also include a leather insole and cork filler which moulds to your feet for superb comfort and fit

Sleeveless Open Neck Leaf Print Shirt, at Marks and Spenser
This fab sleeveless shirt features a stunning leaf print. A sophisticated new look, perfect for this season

XBOX 360® LEGO® Indiana Jones™: The Original Adventures Game, at Marks & Spenser
Be Indiana Jones: Re-live his epic adventures in a humorous LEGO world based on the original trilogy of movies Explore and discover: Journey from the jungles of South America to the snowy mountaintops of India, all in search of ancient and powerful artefacts that you will use to solve puzzles Whip it! Use Indy's signature weapon to capture and disarm enemies, swing across gaps, activate levers, and interact with a world of LEGO objects and puzzles Pick your character: Choose from over 60 playable characters, each with a variety of unique abilities that you will use to help solve puzzles and battle enemies. Plus, play the villains and supporting characters You must be 12 years of age or over to purchase this product 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, Platforms: Xbox 360, ESRB Rating: Teen

Limited Collection Clutch Bag, at M&S
Fashionable and fabulous, this clutch bag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Ostrich Design Double Handle Bag, at M & S
Fashionable and practical, this ostritch design bag is a useful accessory with bags of style!

Glass Column Floor Lamp, at Mark's & Spencer
Pyramid style shade Glass column stem feature Square base This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ingredients Coconut Shower Cream, at Marks & Spenser
200ml Coconut

Easy Fast Food Cooking Book, at Marks & Spencer
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

Linen Blend Cargo Trousers with Belt, at Marks and Spencer
Relaxed and comfortable, these linen blend cargos are a practical easycare choice

Autograph Cotton Rich Satin Bow Shirt, at M & S
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning sateen bow tie feature

Ceriso Lace Trim Animal Print Brazilian Knickers, at Marks&Spencer
Flirty and fashionable, these modern brazilians feature an animal print and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

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