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

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks n 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 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 & Spencers, 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.

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 and Spencer 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 and Spencer, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.

Autograph Weekend Block Stripe Cardigan, at Marks and Spenser
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Pure Cotton Embroidered Bird Booties, at Marks & Spencer
Cute and comfy, these practical booties feature an embroidered bird and flower design. A soft stretchy cuff keeps them on securely

Knitted Fine Ribbed Wrap, at Mark & Spensers
Keep warm without compromising on style! This fashionable fine ribbed wrap feels soft and cosy and makes a great way to add an extra layer

Pure Cotton Ruched Waist Skirt, at Marks and Spenser
Fun and fashionable, this cotton skirt feels relaxed and comfy to wear

Cotton Rich Below The Waist Skinny Jeans, at M+S
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Lyon Dinner Plate, at Marks & Spencer
Rib detail Diam 28cm, Manufacturer: Marks & Spencer

Pure Cotton Heart Print Minishirt, at Marks and Spencer
Fashionable and modern, this heart print minishirt is made from soft breathable cotton for a comfortable night's sleep

Nuits-Saint-Georges 2006 - Case of 6, at M+S
Style: Medium bodied Grape variety: Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Tonal Animal Print Shorts, at Marks & Spenser
Pretty and feminine, these tonal animal print shorts are extremely comfortable to wear and give good coverage at the front and back

Blue Harbour Pure Cotton Block Stripe Polo Shirt, at Marks & Spencer
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Portfolio Olive Leaf Stamp Print Blouse, at Marks & Spencers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Gardening Male Cake, at Mark's & Spencer
36 portions Chocolate cake: A rich chocolate cake filled with milk chocolate ganache 20.5cm square 1.95kg total weight Chocolate cakes can be eaten up to 5 days after collection As featured on page 64 of the Food to Order brochure Not suitable for nut allergy sufferers Suitable for vegetarians Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Top Secret Book of Girl Stuff, at Marks&Spencer
Bursting with things to do, draw and fill in and with 40 cool stickers. Me Me Me! is a book for your eyes only. Make notes about your friends, your family and your favourite things. Learn about dreams, parties and star signs. Draw self-portraits, funky fashion designs and room makeovers..... and much, much more!

Sony Cyber-shot™ DSC-W275 Digital Camera, at Marks & Spencers
Pixels: 12.1 megapixels Zoom: 5x optical zoom lens, 31x smart zoom, 10x precision digital zoom Screen: 2.7 inches ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: H56.6 x W97.6 x D22.6mm Weight: 135g Weight with accessories: 164g Video: Motion JPEG and MPEG4 movie recording at approximately 30 frames per second PictBridge Enabled: Yes Jacks: Multi use Terminal with HD, USB 2.0 Hi-Speed Face Detection optimizes focus and exposure for clearer portraits HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV SteadyShot image stabilization reduces image blur during handheld shooting Fun in-camera retouching functions: image trim and red-eye correction Picture Motion Browser software simplifies image management, searches and viewing on PC Comes with a free camera case 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 This product is not available for international delivery. Find out more

Silver Plated Diamanté Pendant Necklace, at MarksandSpencer
Clasp fastening Adjustable length Diamant detail Necklace length 40cm, extendable by 8cm

Gold Plated Sparkle Floral Ring, at Marks and Spencer
Gold plated Cluster design

Body Tape, at Marks&Spencer
Body tape is ideal for securing very low cut garments, attaching bra straps to cloths and holding your clothes in place just where you want them

Waterproof Mattress Protector, at Mark's & Spencer
Quilted for comfort Completely waterproof Comes in 4 sizes - single, double, kingsize, super king size, Manufacturer: Marks & Spencer

Short Sleeve Mock Layer Jersey Top, at Marks and Spencers
Feminine and pretty, this mock layer top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Collezione Round Face Chain Link Watch, at Marks and Spenser
Round face Analogue Chain link strap

Car Keyring, at Marks & Spencers
You'll never lose your keys again with this eye-catching keyring

Spot Print Hipster Bikini Bottoms, at Marks and Spencer
Modern and stylish, this bikini is outstanding value. Style and quality at a great price

Royal Jelly & Pure Honey Hand and Nail Cream, at Mark & Spensers
Moisturising 100ml

The World of Brass CD, at Marks & Spencers
Audio CD, Marks & Spencer

Rosina Armchair, at Marks and Spencers
H82 x W92 x D97cm Seat H45cm (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 Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence& trade; - 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 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Collezione Pure Wool Single Breasted 3 Button Stripe Jacket, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Pure Cotton Hooded Mock Layer Top, at Marks and Spencers
Ideal for your workout or when you just want to relax, this hooded top is made from pure cotton

Pure Cotton Check Shorts, at Mark's & Spencer
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Frill Crook Umbrella, at Mark & Spencers
Brighten up rainy days with this stylish lightweight umbrella

2 Pairs of 10 Denier Shaping Matt Tights, at Marks and Spencers
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Car Insurance, but Mark's & Spencer 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 Money website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M&S Money 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 Money insurance products (Buildings & Contents Insurance, Car 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 & Spencers insurance products in document format too.