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 Spenser 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 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 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 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 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Shopping for financial products at Marks & Spencers 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 & Spencers Money website:

• M&S Insurance: M&S Car Insurance, M&S Buildings 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 M+S, it's easy to see that these are good financial products, at value-for-money prices.

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

2 Pure Cotton Short Sleeve Assorted Stripe Polo Shirts, at M & S
A stylish smart-casual look, these short sleeve polo shirts come in a textured cotton fabric. Practical, comfortable and easycare

2 Pure Cotton Short Sleeve Assorted Stripe Polo Shirts, at Marks and Spencers
A stylish smart-casual look, these short sleeve polo shirts come in a textured cotton fabric. Practical, comfortable and easycare

Compton Glazed Top & Sideboard Set, at Marks & Spensers
H204.5 x W174 x D55cm Glazed unit has 3 shelves each side and toughened glass doors Sideboard has 2 cupboards and 4 drawers Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Side panels, door panels, back panels made from oak veneer Top panels made from oak veneer with a solid oak edging for strength Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs and doors 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

M&S HP 15 Compatible Ink Cartridge, at Mark's & Spencer
Great value black re-manufactured cartridge for printers that use HP 15 cartridges

Ribbon Sunglasses, at Marks & Spencers
A hot look for summer, these fabulous ribbon design sunglasses add instant style and glamour

Limited Collection Faux Snake Skin Cropped Leggings, at Marks and Spenser
Slim and stylish, these leggings give a sleek modern look. This pair sits below the waist and is cut to fit and flatter.The cropped length adds a fashionable update. Get the latest look!

Ultimate Non Iron Pure Cotton Royal Oxford Shirt, at M+S
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Cotton Rich Straight Leg Sweat Pants, at Mark's & Spencer
Whether you're active or relaxing, do it in style and comfort in these cotton rich sweat pants

Maternity Spot Print Full Length Leggings, at Marks and Spencer
Fashionable and modern, these spot print leggings are designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. An essential fashion favourite

Pure Cotton Long Sleeve Truck Stop T-Shirt, at Marks & Spensers
Fun and fashionable this pure cotton long sleeve "truck stop" t-shirt is outstanding value!

Big & Tall Twin Pleat Trousers with Wool, at Mark & Spensers
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

7 Pairs of Big & Tall Freshfeet Square Box Design Socks with Silver Technology, at Marks and 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

Monkey Rug, at M&S
Monkey design Dimension: 68 x 84cm, Manufacturer: Marks & Spencer

Autograph Satin Stitch Flat Sheet, at Marks & Spencer
500 thread count Bordered trim Made from the finest extra long staple cotton Comes in single, double, king-size and super king-size, Manufacturer: Marks & Spencer

Chunky Bead Stretch Bracelet, at Marks&Spencer
Stretch bracelet Chunky bead design

Les Ruettes Sancerre Rosé 2008 - Case of 6, at Marks & Spensers
Style: Dry Grape variety: Pinot Noir 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

Autograph Pure Cotton Floral Print Shirt, at Marks & Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning floral print

Detachable Clear Bra Straps, at Mark & Spensers
These clear straps attach to our multiway bras to give you a more discreet option

Multi Bead Hoop Earrings, at Marks and Spencer
Hook fastening Drop style Mixed beads

Per Una Flawless Finish Illuminating Concealer, at Marks & Spenser
Liquid concealer Hypo-allergenic Light diffusing

5 Pairs of Cotton Rich Assorted Bright Stripe and Spot Socks, at Marks and Spencer
The stripe design adds a stylish touch to these comfortable cotton rich socks

Bright Balloons Roll Wrap, at Marks & Spensers
Includes 1 roll wrap 150 x 70cm

British Heritage Leather Wetherby Brogues, at Mark & Spencers
Enjoy the best of Britain with our British Heritage range. Handcrafted in England, these timeless shoes use the finest calf leather and traditional Goodyear Welted Construction. They also include a leather insole and cork filler which moulds to your feet for superb comfort and fit

Fairtrade Pure Cotton Short Sleeve Crew Neck Top, at Marks and Spenser
This stylish short sleeve t-shirt is a good deal for you and for our Fairtrade farmers. It's made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

'Dotty Daisy' 30th Card, at Marks and Spencers
Cover Text: Congratulations! 30 Inside message: Happy Birthday! 230 x 114mm

Roberts RD-21 FM RDS/DAB Portable Digital Radio in Silver, at Marks n Spencer
FM/DAB wavebands FM RDS station name display and easy read 16 x 2 character LCD display Menu display/selection of all major functions Search/manual tuning Rotary tuning, volume, bass and treble controls Line output, headphones and AC mains socket Uses 6 x LR20 (D size) batteries (Not included) with up to 150 hours battery life W300 x H180 x D95mm Weight 2kg 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

Orchid Floral Cushion, at Marks&Spencer
Multi-colour floral design L50 x W50cm, Manufacturer: Marks & Spencer

Leather Tassel Shoulder Bag, at Mark's & Spencer
Stylish and practical, this handbag is made from luxurious hardwearing leather. A useful and fashionable accessory

Ribbed Thermal Leggings, at Marks and Spencer
Soft, warm and cosy, these ribbed thermal leggings are designed to give comfy insulation, perfect for chilly weather

Flower & Gem Duo Earrings, at Marks & Spenser
4 pairs Flower design Gem detail Stud fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

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 & 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's:

• 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.