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

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

When you're shopping at M & S online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from Marks & Spencer Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencer Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from Marks & Spencer Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencer Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Laska Freestanding Tap, at Marks & Spensers
H30 x W20 x D4cm Sink and Sink Unit sold separately Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pair of Olive Trees, at Marks and Spencers
These two small olive trees are great for your patio or doorstep. Ready for replanting into your own pot Available for delivery from 1st April to 30th September 2009

3 Younger Girls' Pure Cotton Dora The Explorer Sleeveless Vests, at Marks and Spenser
A must for fans of Dora The Explorer show, these cotton sleeveless vests feature motifs of the popular character

Per Una Longline Knitted Cardigan, at Marks & Spencer
A relaxed longline cardigan in a soft knitted fabric featuring a tie fastening and frilled hem

Duck Egg Leaf Damask Pillowcase, at Marks & Spencers
Fits standard pillows Border trim Leaf jacquard design, Manufacturer: Marks & Spencer

Portfolio Pure Silk Lightweight Scarf, at Marks & Spencers
Add a luxurious finishing touch to your look with this elegant pure silk rose print scarf. The perfect accessory to this season's styles

Florentyna Body Lotion, at Mark & Spensers
Body lotion with moisturisers 250ml

Autograph Leather Twisted Handle Tote Bag, at Marks and Spencer
Luxurious and beautiful, this twisted handle tote bag is part of our exclusive Autograph collection. It's made from soft leather, and is useful and practical as well as being a highly desirable fashion accessory

Wizards And Magic CD, at Mark & Spensers
Audio CD, Marks & Spencer

Easy Healthy, at M&S
Improve your overall feeling of well-being and enjoy great meals with this great collection of healthy recipes.

Fairy Castle Cake, at Mark's & Spencer
Order by 5pm to collect in 7 days 36 portions Sponge cake 27cm square 2.73kg Available for collection in the majority of our UK mainland stores As featured on page 63 in the food to order brochure Not suitable for nut allergy sufferers Chocolate and sponge cakes can be eaten up to 5 days after collection

Short Sleeve Roll Neck Top, at Marks & Spencer
Chic and modern, this roll neck top is made from softly draping stretch viscose for a fluid look. The stripe design adds a fashionable finishing touch

Blue Harbour Modal Blend Self Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this self stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Plain Swimming Trunks, at Marks & Spencer
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

Cute Hedgehog Micromechanics Mother's Day Card, at Marks & Spencer
Cover text: Happy mother's day Inside message: Just for you Approx size: Unfolded: 150 x 150mm

Leather Fresh Feet Slip On Boat Shoe, at Marks and Spencer
Round toe Lace stitch detail Contrast stitching Slip on style Flat sole

Younger Girls' Cutout Shoes, at Marks & Spencer
Round toe Cutout star design Single strap Contrast lining Flat sole Comes in sizes 4-13

Portfolio Ponte Pencil Skirt, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

Formula Calming Cleanser, at M&S
Chamomile to calm Allantoin to soothe Especially formulated for sensitive skins Suitable for all skin types Hypoallergenic, fragrance free 200ml

Cover Up Drawstring Vest, at Marks & Spencers
Feminine and fashionable, this flattering cover up is designed in the latest shape. The ultimate in poolside glamour

Younger Boys' Tramline School Shoes, at Marks and Spencer
Square toe Plain Tramline detail Slip on Flat sole Scuff Resistant Easy clean Slip resistant sole

Portfolio Stripe Border Cardigan, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Samsung 19'' LE19B541 HD Ready LCD TV - White, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19" Widescreen LCD TV, 1366 x 768 resolution Contrast Ratio: 5000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W477.1 x H65.5 x D326.9mm (without stand) W477.1 x D180.2 x H374mm (with stand) Weight: 4.8kg (with stand), 4.2kg (without stand) SRS TruSurround HD: For enhanced surround sound effect Connectors: 1 x HDMI, 1 x composite (AV), 1 x PC input (D-sub), 1 x RF input, 1x headphone, 1x scart Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial This product is not available for international delivery. Find out more Use wall mount

Plain Swimming Trunks, at Marks & Spencer
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

Watercolour Bouquet Wedding Card, at Marks & Spensers
Cover text: On your Wedding Day Inside message: With best wishes for your happiness toady and always Approx size: 178 x 126mm

3-Piece Looped Dinner Candle Holder, at Marks and Spencers
Knotted loop design Silver effect 3 candle holders Dimensions: L23 x W23 x H10cm, Manufacturer: Marks & Spencer

Authentic Beach Trousers, at M+S
Loose fitting and lightweight, the functional design of these versatile beach trousers makes them a must-have for your summer wardrobe

The Cotton Collection Cotton Bud Handwash, at Mark's & Spencer
Moisture rich handwash 250ml bottle with pump

Cafe Stripe Curtains, at Mark & Spensers
Eyelet Cafe stripe design Lined Comes in standard 168cm/66in and wider 219cm/86in widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Ceriso Essentials Spot Embroidered Padded Balcony Bra, at Marks and Spencer
Flirty and fashionable, this modern bra is beautifully detailed with spot embroidery. The padded balcony style gives maximum uplift and a flattering fuller shape. Designed for women who want the latest look

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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark's & Spencer, 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 Direct, you get more, and you pay less.