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 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 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.

M+S Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and Buildings & Contents Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings & Contents Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 & 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 Mark's & 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.

Classic Collection Cross Hatch Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

3 Pairs of Cotton Rich Assorted Mow Cow Print Socks, at Marks and Spencers
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Ultimate Pure Wool Single Pleat Trousers, at M&S
aspirational copy

Portfolio Abstract Animal Print Dress with Belt, at Marks and Spencer
Chic and contemporary, this dress features an animal print and waist belt. A fabulous fashionable look

Per Una Lightweight 3 Piece Shrug Top, at Marks and Spencer
A fashionable 3/4 length sleeve shrug featuring a floral lace top and plain inner vest

Mosaic Pendant Necklace, at Marks and Spencer
Clasp fastening Adjustable length Mosaic pendant Necklace length: 40cm, extendable by 8cm

Portfolio Bobble Necklace, at M+S
Clasp fastening Adjustable length Mixed bobble design Necklace length 95cm, extendable by 8cm

Dahlia Shade, at Marks & Spencer
Cylinder shade Floral design Contrast trim Dimensions: H25 x D35.5cm Bulb: Max 60W compatible with energy saving bulbs 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

Charlotte Lge 2 Seat Sofabed (occasional) AU09 Newness, at MarksandSpencer
Manufacturer: Marks & Spencer

Perfect Twin Buckle Tote Bag, at Marks & Spencers
Add a shiny splash of colour and style to your work suits with this great value patent bag. The perfect mood lifter!

SPF 25 Hair and Scalp Protection Spray, at Mark & Spencers
Five Star Ultra UVA Protection Water resistant Anti-skin aging Australian formula 150ml This product is not available for international delivery. Find out more

Autograph Exclusive Floral Sequin Headdress, at Marks and Spenser
Fashionable and elegant, this headdress features intricate sequin and flower detailing. Sure to turn heads at stylish summer events!

Laser Cut Rose Birthday Card, at Marks & Spencers
Cover text: With love on your special day Inside message: Blank for your own message Approx size: 230 x 114mm

Pure Cotton Lace Bathroom Mats, at Mark's & Spencer
Lace hem Pedestal mat: 50 x 80cms Bathsheet: 50 x 55cms Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Non Iron Short Sleeve Check Shirt, at M & S
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Alton Damask Dining Chair, at M+S
H99 x W46 x D56cm Seat: H48cm Single chair Upholstered in damask fabric Made from solid ash with a fabric seat 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich Cropped Denim Jeans, at Mark's & Spencer
A wardrobe essential at a great price, these cropped jeans are outstanding value. Stock up on style!

Brow Bar Sunglasses, at Marks and Spencer
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Animal Print Band Hipster Bikini Bottoms, at Marks & Spencers
Modern and sassy, these stylish bikini bottons feature a striking animal print band. The ultimate in poolside glamour

Cherry Stoner, at MarksandSpencer
Length 16cm Hand held design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio Lightweight Tulip Print Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant tulip print scarf. The perfect accessory to this season's styles

Pure Cotton Tatty Teddy Vest, at Marks n Spencer
Fans of Tatty Teddy will love this pure cotton vest featuring a studded slogan. A practical, easycare style

2" Longer 3 Pack Easycare Long Sleeve Shirts, at Marks & Spencer
Smart and stylish, this pack of 3 easycare 2" longer sleeve shirts is great value. An ideal choice for everyday wear

Cashmilon™ Polo Neck Knitted Jumper, at Marks and Spencer
Fashionable and flattering, this knitted jumper is made from supersoft cashmilon™ and features a polo neck

La Source Chablis 2006 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Antigua Footstool, at Marks and Spencers
H44 x W72 x D58cm (all dimensions are approximate) Cushions made from Quallofil Extralife filling Frame made from solid wood wrapped with banana fibre Other cushions made from polyester fibre Wooden feet wrapped with rattan All of our fabrics are treated with Stain-Defence™ - 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

Per Una 3/4 Sleeve Shimmer Dolly Cardigan, at Marks & Spencer
A shimmering 3/4 sleeve cardigan in a soft knitted fabric featuring a decorative button

Younger Boys' Twin Riptape Strap Trainers, at Marks & Spenser
Round toe Stitch detail Twin straps with riptape fastening Grip sole

Apple Design Mug, at Marks&Spencer
Apple design Slim handle, Manufacturer: Marks & Spencer

Platinum Plated Princess Eternity Ring, at Marks&Spencer
Platinum plated Diamant detail

Besides Mark & Spensers Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Buildings & Contents Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M+S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spenser purchases are also protected while you take them home.

Also, on both M+S Money Premier Buildings & Contents Insurance and Standard Buildings & Contents Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.