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 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, 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.

M&S 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 & 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 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 Marks & Spencers Money loans, credit cards or Buildings & Contents 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 & 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 Mark's & Spencer insurance products in document format too.

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 Spencer 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 Tescos:

• 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.

Per Una Styled Floral Embroidered Thong, at Marks and Spencers
Modern and elegant, this stylish thong features a delicate front panel in soft stretch lace. The low rise style gives a flattering shapely fit and is ideal for wearing under hipsters. Pretty everyday fashion

Pure Linen Pintuck Bib Dress, at Marks & Spencers
This fresh fashionable dress in cool pure linen is beautifully styled and detailed with pintucked bib feature

Charlotte 2 Seater Sofa AU09 Newness, at Marks and Spencers
Manufacturer: Marks & Spencer

M&S Scart Switcher, at Marks and Spencers
Plug 2 scart cables into TVs that have only 1 scart socket Button to switch between devices 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

Per Una Roma Wide Leg Trousers, at Marks and Spenser
A modern wide leg pair of trousers featuring a tab waistband feature with tonal square button

Classic Collection Short Sleeve Nightdress, at Marks & Spencer
Fresh and feminine, this nightdress is made from a soft cotton blend so it feels comfortable to sleep in. The bow detail adds a pretty touch

Autograph Double Strand Faceted Long Necklace, at Marks & Spenser
Clasp fastening Adjustable length Faceted bead design Necklace length 94cm, extendable by 8cm

Princess Craft Book, at Marks and Spencer
Turn your home into a princess paradise with this fabulous book full of princess things to make and do! Create your own fantastic pop-up princess toys, fairytale castle, pretty posies, dazzling tiaras and more...

Younger Girls' Floral Print Sun Hat, at Mark's & Spencer
Fashionable and fabulous, this floral print hat is a great choice for fun in the sun

Silver Plated Diamanté Knot Stud Earrings, at Marks and Spencers
Butterfly stud fastening Diamant detail Knot design

Nintendo DS™i Console Black, at Marks&Spencer
Packed with features and thinner than ever: 12% thinner than the Nintendo DS Lite with a bigger, brighter 3.25" screen Two 0.3 megapixel cameras, Nintendo DSi enables you to manipulate the images you capture with 11 photo lenses and face recognition technology Nintendo DSi's enhanced sound system means your music collection sounds great with or without headphones Play with sound:Play music on your DS, experiment, record, create and play with sound using the DSi Sound application, while the ability to record voice samples through the built-in microphone then edit them to your heart's content adds another good reason to keep your Nintendo DSi by your side Take your music on the move with Nintendo DSi. By storing aac formatted music on SD cards Motion-activated gaming on the go: Interact with your games and console on the move like never before, with motion-detecting cameras to help you control future games on the console Access a world of new possibilities with Nintendo DSiWare. Available through the Nintendo DSi Shop, Nintendo DSiWare is downloadable content that includes everything from new themes to customise your Nintendo DSi with to unique games. Basic applications, such as the Nintendo DSi Browser can be downloaded for free, while other content can be purchased from the Nintendo DSi Shop in exchange for Nintendo DSi Points Play, share and enhance your DSi experience WiFi online: Download new games and applications from the DSi Shop from cartoon making to a free internet browser and challenge yourself online with DSi's improved connectivity The system can also play most Nintendo DS games, and will have access to a library of more than 850 titles Each DSi comes complete with: one Nintendo DSi System, two Nintendo DSi styluses, one Nintendo DSi AC power adapter, an easy start guide, manuals (basic and controls) and a support booklet Dimensions: W137 x L74.9 x D18.9mm Weight: Approx. 214g (with stylus) Battery specs: Rechargeable lithium ion battery pack, Minimum brightness setting: 9-14 Hrs, Low brightness setting: 8-12 Hrs, High brightness setting: 4-6 Hrs, Maximum brightness setting: 3-4 Hrs (times may vary depending on software) Charging time: Approx. 2 hours and 30 minutes 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

Sony Camera Carry Case, at Marks and Spenser
Use this durable leather case to keep your camera safe when you are out and about

Collezione Leather Faux Crocodile Skin Loafers, at Marks and Spencers
Square toe Stitch detail Slip on Block heel Faux crocodile skin design

Classic Coated Leather Square Buckle Belt, at M+S
Fashionable and practical, this leather belt adds a stylish finishing touch

Autograph Essentials Wool Rich Single Button Jacket, at Marks & Spencer
Luxurious and elegant, this smartly tailored wool rich single breasted jacket is part of our exclusive Autograph range

Pure Cotton All Over Print Hooded Jacket, at Marks and Spenser
Relaxed and comfortable, this fashionable hooded jacket is made from soft cotton and features an all over print detail. A practical easycare style

2 Pairs of Cotton Blend Knee High Socks, at Marks and Spencer
These cotton blend knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Dualit Jug Kettle- Red, at Marks and Spencers
1.5 Litre - 12 cup capacity 3000 watt Cordless operation Hinged lid Washable limescale filter Rapid boil concealed element Large viewing windows on both sides Can be turned to any angle on its base Heatproof handle, ball knob and finger-guard Non-slip rubber feet Oversized non-drip spout Weight: 1.36kg Dimensions: H27cm 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

High Heel Elastic Trouser Shoes, at Marks & Spencers
Pointed toe Elastic detail Slip on Patent effect Heel height: 6.6cm Comes in sizes 3-8, including half sizes

Younger Boys' Wrap Around Sunglasses, at Marks & Spencers
Fashionable and fab, these wrap around sunglasses give 100% UV protection for safer style in the sun

Nintendo Wii™ Big Brain Academy Game, at Marks and Spencer
Student records keep track of your achievements and create a profile that others can play against when you are not there. You can even send your student record to a friend via WiiConnect24 Play alongside or against up to 7 friends as you find out who deserves to be top of the class! 3 modes of play: Brain Quiz, Mental Marathon and Mind Sprint Simple controls mean anyone can play straight away - to play, all you need to do is use the Wii Remote to point at the correct answer on your TV, leaving you to focus on the challenges that await at the Academy Category: edutainment, health and fitness Multiplayer mode: simultaneous Players: 1-8 Age rating: 3+ 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

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

Children's Party Platter, at M & S
Contains 16 quarters plus veg batons Serves 4-6 4 different sandwich fillings Ready to eat Made in a factory that uses sesame ingredients As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Sonoma Extending Dining Table & 6 Alton Scroll Back Chairs Set, at Marks and Spencer
7 piece set Table: H75 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Chair: H103 x W55 x D66cm Made from solid oak with antiqued leather scroll back seat Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Chairs frames made from solid wood Top panel is veneered with solid Oak edging for strength 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

New 8GB Apple iPod Touch, at Marks and Spencers
Holds up to 1,750 songs, 10,000 iPod-viewable photos, and 10 hours of video or some of each Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Accelerometer - detects when you rotate it from portrait to landscape, then automatically changes the contents of the display 3.5-inch (diagonal) widescreen Multi-Touch display. 480-by-320-pixel resolution at 163 pixels per inch Ambient light sensor Built-in volume controls and speaker - Volume buttons built into the left side give you easy access to the most frequently used controls Built-in Wi-Fi - Surf the web and view your email Cover Flow - flip through your album art Play games with stunning 3D graphics. Tilt, move, and play accelerometer-inspired games. Use Multi-Touch to give you precise, fingertip control over game elements. (games available separately) Contoured stainless steel design Built-in speaker - lets you hear the music, dialogue, and action without headphones, perfect for casual listening Nike + iPod support - Slip the Nike + iPod Sensor (available separately) into your Nike+ shoe and start your run. The sensor communicates wirelessly with your iPod touch, tracking your time, distance, and calories burned. It even gives you voice feedback on your progress. Works with new cardio equipment available in many fitness centres Dimensions: H11 x W6.2 x D0.8cm Weight: 115 grams For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later Built-in rechargeable lithium ion battery capable of up to 36 hours of audio playback or 6 hours of video playback In the box: iPod touch, Polishing cloth, earphones, USB 2.0 cable, dock adaptor, Quick Start guide TM and 2008 Apple Inc. All rights reserved 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

Is It Bedtime Wibbly Pig?, at Marks & Spencer
The perfect bedtime companion. Mick Inkpens' lovely children's book is about the adorable character 'Wibbly Pig' and his dislike for bedtime (something most children can relate to!) With charming illustrations and a simple storyline this book is sure to be a hit with your little toddler

Autograph Wool Blend Funnel Neck Coat, at M&S
Contemporary styling and superior finishing makes this Autograph funnel neck coat a fashionable choice for this season

3 Pure Cotton Long Sleeve Assorted Tops, at Marks n Spencer
Cute and practical, this pack of 3 long sleeve tops is great value. The soft cotton fabric will keep her happy and comfy

Moulton Shelving Unit, at Mark & Spencers
H190 x W90 x D38cm 5 shelves Made from solid ash and ash veneer All wooden shelving is finished with a starburst veneer effect Delivered flatpack due to size 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Cotton Rich Card Suit Print Shorts, at Marks and Spencers
These card suit print cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

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 M&S 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 Mark & Spensers, 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 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.