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. Marks & Spencers Money financial products are, of course, designed to make M&S 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 Marks & Spencers Money 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 Marks & Spencers Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (Buildings 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 Mark & Spencers insurance products in document format too.

When you're shopping at Marks and Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks&Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Steel Turner, at Marks & Spencers
Suitable for non-stick saucepans Hanging loop, Manufacturer: Marks & Spencer

2 Cotton Rich Cropped Leggings, at Marks & Spencers
Stock up on essentials for less! This great value pack of 2 cropped leggings is comfortable, practical, fashionable and easycare

Cookware - EGG POACHER, at MarksandSpencer
Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spenser
This fab long sleeve shirt features a stunning tucked front and stripe design. A sophisticated new look, perfect for this season

7 Pair of Freshfeet Stripe Sole Socks with Silver Technology, at Mark & Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Pure Cotton Floral Print Pyjamas, at Marks and Spencer
Pretty and feminine, these floral print pyjamas are made from soft breathable cotton for a comfortable night's sleep

M&S 19'' HD Ready LCD TV with Built-in DVD Player - White, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, Dynamic Contrast Ratio: 4000:1 Contrast Ratio: 500:1 Resolution 1440 x 900 pixels Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Portfolio Mid Length Zig Zag Print Skirt, at Marks and Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Per Una 3/4 Sleeve Pleated Blouse, at Marks & Spencer
A casual 3/4 sleeve blouse featuring a pleated neckline detail

Unlined Pleated Single Breast Jacket, at Marks and Spencers
Fashionable and modern, this tailored style jacket features a pleated center design. A smart and stylish choice

5 Scalloped Trim Shorts, at Marks and Spencer
Cute and trendy, this 5 pack of cotton knickers makes a great way to stock up on essential style

Girls' Limited Belted Combat Trousers, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Blue Nostalgic Photo Anniversary Card, at Marks and Spencer
Cover text: With you both a happy anniversary Inside message: Blank for your own message Approx. size: 175 mm x 125 mm

Limited Collection Turn-Up Cropped Trousers, at M&S
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

PlayStation® 2 Ben 10: Protector Of Earth, at MarksandSpencer
Take control of the Omnitrix and play as 5 different alien heroes from the show, including Four Arms, Heatblast, Cannonbolt, Wildvine and XLR8 Collect experience points to upgrade your characters and unlock over 80 combo moves Venture to 14 different levels and unlock 4 challenge locations Challenge your friends in battle mode or play together in 2-player co-op mode Unlock additional content including character skins, show clips and never-before-seen concept art 2007 Sony Computer Entertainment Europe This product is not available for international delivery. Find out more 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, ESRB Rating: Kids to Adults

Green Floral Pillowcase, at Marks & Spencers
Floral embroidered design Contrast layered frill trim Fits standard pillows, Manufacturer: Marks & Spencer

5 Pairs of Ribbed Sports Socks, at Marks and Spencer
These cotton rich sports socks feature a cushioning sole for shock absorption and comfort. Knitted arch support keeps them in place during exercise

Beaujolais 2008 - Case of 12, at Marks & Spensers
Style: Light bodied Grape variety: Gamay Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Traidcraft Pastel Flowers Card, at Marks & Spencer
Cover text: Blank Inside message: blank for your own message Approx size: 138 x 138mm

Loop & Feather Comb Headpiece, at Marks & Spencers
Keep tumbling tresses off your face with this stylish loop and feather slide in comb

50/50 Panelled Bedset, at Marks & Spencers
Panelled Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Kingsize set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Shop Till You Drop Birthday Card, at Marks & Spencers
Cover text: Shop till you drop! Inside message: Have a great day Approx size: 175 x 126mm

Stainless Steel Food Timer, at Marks and Spenser
Twist setting timer, Manufacturer: Marks & Spencer

Machine Washable Multi Stripe Tie, at Marks and Spenser
No more trips to the drycleaners! This smart striped tie is machine washable

Short Sleeve Thermal Vest, at Marks and Spencers
Soft, warm and cosy, this cotton blend thermal vest are designed to give comfy insulation, perfect for chilly weather

Active Urban Leisure Roll Up Sleeve Jacket, at Marks and Spencer
Stylish and practical, this fashionable jecket is ideal for workouts or relaxed casualwear.

Younger Girls' Pure Cotton Bunny Pyjamas, at Mark's & Spencer
Cute and comfy, this pack of 2 pure cotton pyjamas features a bunny motif and floral print

Pure Silk Floral Stitch Tie, at Marks & Spencers
Add a luxurious finishing touch with this contemporary floral stitch tie in pure silk

2 Non-Wired Maternity Bras, at Marks and Spencers
Soft yet supportive, these bras will keep you in check thanks to their wide and adjustable straps. Just the thing to give you a good shape even when you're feeling tender

Golfers Shoe Bag, at Marks and Spencer
Invaluable accessory for the golfer, this care kit contains all you need to maintain your golf shoes and clubs

Marks & Spencers Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencers Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union – up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.