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 and 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.

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 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, 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.

Marks & Spencer 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 and 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 & 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 & 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 Marks and Spencer insurance products in document format too.

Baroque Jacquard Pencil Pleat Curtains, at Marks&Spencer
Standard width: 168cm / 66in Wider width: 219cm / 86in Three drop lengths:Short: 137cm / 54in Medium: 183cm / 72inLong: 229cm / 90in Lined How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Big & Tall Flat Front Trousers with Wool, at Marks and Spencers
Smart and stylish, these trousers are made from a hardwearing wool blend. An ideal choice for work or everyday wear. Perfectly proportioned for big and tall men

Classic Collection 3/4 Sleeve Cardigan, at Mark's & Spencer
Soft and comfortable, this 3/4 length sleeve cardigan makes a versatile extra layer. Dress it up with smart skirts and trousers, or wear it with jeans for a casual modern look

Glass Ball Candle Holder, at Mark & Spensers
Ball design Thick base Diam 10.6 x H13cm, Manufacturer: Marks & Spencer

Welcome Reds - Case of 12, at Marks&Spencer
2 Domaine Lafage VdP des Ctes Catalanes 2007 2 Campo Bravo Rioja Vendimia Seleccionada 2007 4 Santa Gloria Merlot 2008 4 Villagio, Negroamaro Puglia 2008 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Limited Collection Sequin Sleeve Tunic, at Marks & Spensers
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

Power Rangers Music Card, at Marks&Spencer
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 215 x 150mm Power Rangers - ™ and BVS Entertainment, Inc. and BVS International N. V. All rights reserved

Autograph Belted Straight Leg Trousers with Wool, at Marks & Spensers
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style

Frilled Spot Print Crook Umbrella, at Marks and Spenser
Brighten up rainy days with this colourful lightweight umbrella

Low Leg Pinstripe Shorts, at Marks and Spencers
These funky pinstripe shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Maxim Cereal Bowl, at Marks and Spencer
Suitable for everyday use Versatile fine dining range Pure white porcelain Makes an ideal gift Diam 21cm, Manufacturer: Marks & Spencer

Limited Collection Giraffe Print Mini Bag, at Marks & Spencers
Cute and compact, this miniature bag is a fashionable accessory. Ideal for carrying your phone, credit card and lipstick when you don't want a bulky bag. Get the latest look!

Sonoma 2 Door Sideboard and Glass Top Unit Set, at Marks and Spenser
2 door glazed top unit: H110 x W122.5 x D33cm 2 drawer sideboard :H88 x W122 x D50cm 2 door sideboard with 6 shelves Shelves made from safety-tested toughened glass Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

No VPL Floral Print Low Rise Shorts, at Marks n Spencer
For the ultimate no-show look, these stretchy seamfree shorts are made from super smooth lace with bonded edges. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Gardening Kit, at Marks & Spencers
Handy wipe clean carry bag for all garden essentials Painted metal watering can with rose Wood handled metal gardening fork, trowel, rake with hanging loops This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Cotton Blend Drawstring Joggers, at Mark & Spensers
Relaxed and comfortable, these easycare joggers are made from cotton blend stretch fabric for ease of movement and great shape retention

Pure Cotton Bow Bib Top, at Marks & Spensers
Chic and modern, this short sleeve top is made from cool comfortable cotton and features a bow bib detail

Hall Cascade Droplet Ceiling Light, at Marks and Spenser
Glass dropper pendant Metal frame H39 x Diam 21cm 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Collezione Long Sleeve Bomber Jacket, at Marks & Spencer
Smart and contemporary, this long sleeve bomber jacket is inspired by Italian tailoring

Formula Skincare For Men 24 Hour Moisturiser, at Marks & Spensers
50ml

Heart Detail Sunglasses, at Marks & Spencers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Big & Tall Twin Pleat Trousers with Wool, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear. Perfectly proportioned for big and tall men

Per Una Floral Print Sequin Shopping Bag, at Marks & Spencers
Sequin embellishment makes this fashionable bag even more special. Give your look the Per Una twist!

2 Piece Pure Cotton Giraffe T-Shirt & Shorts Outfit, at M+S
Cute and practical, this 2 piece outfit is outstanding value. The soft cotton fabric will keep him feeling comfy

Twinkle Jet Trio Stud Earring Set, at Mark's & Spencer
3 pairs Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Summer Dawn Bouquet, at Marks & Spensers
Celebrate the arrival of warmer days with this beautiful summer dawn bouquet. It features four Vendela roses, three lilac Trachelium and five Prado Carnations Available for delivery from 1st April to 30th September 2009

Per Una Chunky Knitted Scarf, at Marks and Spencers
Keep out the chills in fashionable style with this warm soft textured scarf in a modern chunky cable knit.

Hooded Fleece Lined Jacket, at MarksandSpencer
Warm and soft, this pretty hooded fleece lined jacket will keep her cosy

Clarendon Footstool, at Marks & Spencers
H37 x W119 x D79cm (all dimensions are approximate) Cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 Feet are castors 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Faceted Heart Rope Necklace, at Marks & Spencers
Tie fastening Rope necklace Faceted heart pendant Length: 91cm

There are lots of ways to save money using Marks & Spencers Money. Not least of these is M+S Standard Car Insurance. With Marks & Spencers Money 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 Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencers, 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 M+S Money, you get more, and you pay less.