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

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser online store. Here are just some of the financial products which can be purchased via the Marks & Spencer 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 and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencer Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencer Money website.

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 Marks n 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 Marks & Spencer Money 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 Marks & Spencer Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, Marks & Spencer 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 & Spencer 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 and Spencer insurance products in document format too.

Knitted V-Neck Poncho, at Marks and Spencers
Wrap up warm in fashionable style with this v-neck poncho. It looks great over this season's fashions, or wear with jeans and boots

Pure Cotton Panel V-Neck Shirt & Shorts, at Marks and Spencer
Contemporary and fashionable, these pure cotton pyjamas make the perfect choice for relaxing in style and comfort

Vehicle Sticker Book, at Marks&Spencer
Go sticker crazy with 1000 vehicle stickers. There are monster trucks, racing cars, planes, police cars, motorbikes and much more, all waiting for you inside. Play the cool sticker games and check out the sticker ideas. Stick them around your bedroom or on your clothes. Ready? Get sticking!

Single Sprung-edge Divan on Legs & M100 Mattress, at Marks n Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 21cm Divan height: 31cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Silver Plated Barrel Bracelets, at Marks and Spencer
Clasp fastening Adjustable length

Handmade Letters Husband Birthday Card, at M & S
Cover text: To my fabulous husband Inside text: Happy birthday Approx size: Unfolded: 230 x 114mm

2 Cotton Rich Velour Joggers, at Marks and Spencers
Relaxed and comfy, these casual joggers are made from cotton rich fabric and feature drawstring waist. A practical easycare choice

Percy Pig Cushion, at Marks and Spencer
Percy pig design Round shape Matching items available Diam 35cm, Manufacturer: Marks & Spencer

Linen Blend Ribbon Embroidered Vest, at Marks and Spencer
Bring some casual elegance to your wardrobe, with this woven vest that features ribbon embroidery making this top irresistibly stylish

Dualit Dome Kettle - Black, at Marks and Spencer
1.7 litre capacity High quality 18:8 grade stainless steel body 3000 watt rapid boil concealed element Cordless operation with axis rotary base and cord tidy Water level viewing window Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Dimensions: H25cm Laser cut stainless steel water filter 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 , Manufacturer: Marks & Spencer

Lone Range Heretaunga Chardonnay 2007 - Case of 6, at Mark's & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

My First Nursery Rhyme Book, at Mark & Spencers
Suitable for ages 0-3 years Classic nursery rhymes to share This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Woodspice Roll On Anti-Perspirant Deodorant, at Marks & Spencer
Woodspice aroma Anti-perspirant 50ml

Pure Silk Zig Zag Tie, at Marks & Spencers
Add a luxurious finishing touch with this smart zig zag design tie in pure silk

Younger Girls' Little Miss Sunshine Sunglasses, at Marks & Spencer
Cute and colourful, these Little Miss Sunshine sunglasses give 100% UV protection for safer style in the sun

Autograph Lambswool Rich Cable Knit Cardigan, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Kaiser Chiefs - Off With Their Heads CD, at Marks & Spenser
Audio CD, Marks & Spencer

Pure Cotton Ireland Rugby Top, at Marks and Spencers
A must for rugby fans! This official Ireland rugby top features the Irish motif. A modern easycare style in soft comfortable cotton

M&S Super Juicer, at Marks n Spencer
35 watt Automatic switch on Anti-drip spout Includes cord storage and lid Stainless steel finish 1 litre capacity H32 x D17cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click

Textured Disco Circle Necklace, at Marks & Spencers
Circle pendant Hammered effect Rope necklace

Satin Spot Print Shirt with Belt, at Marks and Spencer
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Short Sleeve Henley Neck Pintuck Front Top, at Marks & Spencers
Smart and stylish, this scoop neck top features a pintuck front

Pink Birthday Cocktails Card, at Marks and Spencer
Cover text: Birthday Cocktails Inside message: Hope your birthday is full of fun! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125mm

Per Una Ribbon Stripe Scarf with Wool, at Marks and Spencers
This sophisticated ribbon stripe scarf is the perfect accessory to this season's fashions. Tassel trim adds a stylish finishing touch.

Lace Back High Leg Knickers, at Marks n Spencer
Embrace essential comfort with lace design and flattering high leg of these cosy knickers. Their snug fabric is soft and easy to care for too

Griffin Road Trip with Smart Scan, at Marks and Spencer
Play music from your iPhone or iPod on your cars stereo system Charges your iPhone or iPod as you listen Switch quickly between presets Griffin-exclusive SmartSound Plus technology delivers clearest possible sound under real-world conditions Flexible steel neck and interchangeable iPod model-specific cradles position your iPod perfectly within reach, never in the way The look and functionality of a custom installation in your car without the cost or inconvenience Antenna:Built-in Power:Provided by your cigarette lighter or 12 volt power outlet (no batteries required) RF Output Range, US: 88.1 MHz -107.9 MHz Radio Frequncy Increments, US: 0.2 MHz per step Input Voltage Range: 12 - 16 volts DC Maximum Current: 2 amps Output Voltage: 5 volts DC at 1 amp Fuse Type 2 amp blade-type automotive fuse

Per Una Modal Rich Spot Print Bra, at Mark's & Spencer
Modern and colourful, this spot print bra is embellished with a stylish contrast lace trim. It's underwired for extra support and the plunge style gives an enhanced shape. Pretty everyday fashion

Handmade Glass Bowl, at Marks & Spensers
Handmade Shallow dish Shaped edge Web design, Manufacturer: Marks & Spencer

Cotton Rich Welt Pocket Bootleg Jeans, at Marks & Spencers
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Stripe Hipster Skirt Tankini Bottoms, at Marks & Spencers
Elegant and feminine, this flattering hipster skirt is designed in the latest shape. The ultimate in poolside glamour

Marks & Spencer 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 & Spencer 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 M+S 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, Sainsbury's, 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 & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.