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

Marks & Spencer 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 & Spencer 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, 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 & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

Per Una Rainbow Stripe Bikini Top, at Marks and Spencers
A colourful halterneck bikini top featuring a stripe print design

Pure Cotton Short Sleeve Cymru Rugby T-Shirt, at Marks & Spencer
Fun and fashionable, this short sleeve t-shirt in soft cotton features an embroidered Cymru logo. A practical easycare style

Pure Cotton Long Sleeve Stripe Top, at Marks & Spencers
This fashionable top features a stylish button detail cuff for a fab contemporary look

Parisian Chic Desk Calendar, at Marks & Spenser
Approx. size: 155 x 180mm

Wire Leaf Bowl, at Marks and Spenser
Leaf design H12 x Diam 32cm, Manufacturer: Marks & Spencer

Sebo X Series Filter Bags, at Marks & Spencers
Suitable for use with the SEBO X Series range of Upright Vacuum Cleaners

Younger Boys' Permair™ Widefit Single Strap Apron Shoes, at MarksandSpencer
Breathable Permair™ finish is scuff, stain and water resistant Riptape fastening Apron style Stitch detail Contrast fabric panel Grip sole Widefit feature

Gold Plated Sparkle Floral Ring, at Mark & Spensers
Gold plated Cluster design

Portfolio Quilted Jacket, at Marks & Spencers
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

Pure Cotton DJ Monkey T-Shirt, at Marks & Spencers
Fun and fashionable, this mock layer top in soft pure cotton features a monkey motif. A practical easycare style

3/4 Sleeve Stripe Jersey Top, at Mark & Spensers
This stripe scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Cotton Rich Transformers Hooded Top, at Marks and Spencer
Fans of Transformers will love this hooded top featuring embroidered motif. A practical, easycare style

Luxury Orchid, at Marks and Spencer
Orchids are traditionally known as symbols of beauty and this deluxe version certainly lives up to its reputation. This beautiful twin stemmed multiflora orchid is planted in a contemporary glass vase with a pretty satin-finished ribbonAvailable for delivery between 1st April to 30th September 2009

Unforgettable Walks to Take Before You Die, at M&S
Unforgettable Walks to Take Before You Die is the fifth title in an exciting series of books that will help you search out essential sights and experiences around the world. Photographers and writers Steve Watkins and Clare Jones draw on their years of international travel experience in selecting thirty of the world's most inspiring, spectacular and beautiful walks, each of which can be done within the space of a two-week break. Their choices include a wide range of locations, from urban walking tours along Boston's Freedom Trail and the stunning temples of Kyoto, to the open countryside of the Yellowstone National Park in the USA and Peru's Inca Trail. There are leisurely jaunts, such as Frank Lloyd Wright's Fallingwater property and a stroll around the picturesque canals of Amsterdam, as well as a few demanding walks, such as the Alpine Tour du Mont Blanc and China's Tiger Leaping Gorge trek, for those who like a challenge.

Firm Control Sheer Waist Cincher, at Marks and Spenser
This waist cincher gives total body definition shaping your tummy, waist and bottom with the flexibility of wearing your own bra - perfect under dresses for an hourglass silhouette. It's comfortable and easy to move around in and the special finish keeps you cool and dry

Flock Damask Wallpaper, at MarksandSpencer
Flock effect wallpaper - the pattern design elements have a luxurious velour texture Straight pattern repeat 64cm - The design elements in the pattern run horizontally across the wall and match at the seam of each adjoining roll. Every roll should be the same at the ceiling Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Per Una Pure Cotton Cropped Pyjamas, at Marks & Spencer
Modern and feminine, these pretty cropped pyjamas are made from pure cotton, so you can relax in comfort and style. Part of Per Una's sleepwear collection

Fancy Bird Brooch, at Marks n Spencer
Bird design Diamant detail Pin fastening

Divan Sets - M400S+SE 4 DRWS, at Marks and Spenser
Manufacturer: Marks & Spencer

Tiga Console Table, at Marks & Spensers
H70 x W127 x D37cm 2 Shelves Made from sheesam wood Finished with a protective matt lacquer for added durability 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

Extra-Large Handkerchief Vase, at M & S
Handkerchief style rim Clear glass Height approx 40cm, Manufacturer: Marks & Spencer

Pure Silk Handwoven Cushion, at Marks and Spencers
Rectangular Plain Frill contrast trim This cushion is produced by Lotus Pond an M&S Fair Partner, Manufacturer: Marks & Spencer

Easycare Long Sleeve Stripe Shirt, at M & S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Pure Cotton Short Sleeve Check Shirt, at Marks and Spenser
This short sleeve shirt will make a useful addition to your wardrobe. It features a smart check print for a stylish casual look

Pinstripe Lace Trim Shorts, at Marks and Spencers
Smart, snug and easy to care for, these cosy shorts combine a flattering fit with a lace design and stretchy fabric to create the perfect knickers for day to day wear

7 Fresh Feet Stripe Socks with Silver Technology, at Mark & 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

Leather Zipped Washbag, at Marks and Spencers
Stylish and practical, this washbag is a well designed travel essential

Stainless Steel Handheld Grater, at Mark's & Spencer
Loop in the handle for hanging Contemporary design L30cm x W9cm x H2cm, Manufacturer: Marks & Spencer

Sony PSP™ 3000 Console with Buzz Brain Bender & Loco Roco Games Bundle, at Marks & Spencers
Bundle includes PSP 3000 console, Buzz Brain Bender & Loco Roco Buzz Brain Bender: Buzz! swaps his trademark game show suit for a lab coat and clipboard. Welcome to Buzz!: Brain Bender - a lighter, entertaining and humorous new take on the puzzle genre! Loco Roco: The peaceful world of the Loco Roco are under attack by the not-so-nice Moja Corps. These evil outer space creatures want nothing but to capture the blissful Loco Roco and take them from their land of blowing flowers, lively creatures and pastel scenery. As the planet where the Loco Roco inhabit, players must tilt, roll and bounce the Loco Roco to safety Display: 4.3'' display (16:9) full-transparent type, TFT drive, 480 x 272 pixel, Approximately 16,770,000 colors displayed Improved screen: Capable of displaying movies and photos in more natural and vibrant colors CPU: PSP CPU (System clock frequency 1-333MHz) Built-in microphone: Enables voice chat as soon as you are in a WiFi zone. Enjoy games that use a microphone, Skype and other communication tools TV play: Expanded AV interlaced output gives better refresh rates and sharper images on the TV Sound: Built-in stereo speakers Main memory: 64MB Video formats supported: MPEG-4, AVI Audio formats supported: MP3, MP4, WAVE, WMA, ATRAC3™, ATRAC3plus™ Photo formats supported: JPEG, TIFF, BMP, GIF, PNG Connectors: USB connector, Memory Stick Duo™ slot, Video out/headset connector, DC in/out Input/output: Wi-Fi, High Speed USB, Memory Stick PRO Duo™, Analog Video Out, Microphone Power source: Lithium-Ion rechargeable battery pack, AC adaptor, USB power supply Dimensions: L17 x D1.8 x W7.1cm Weight: 189g (including battery pack)

Autograph Pure Cotton Bold Stripe Shirt, at Marks and Spenser
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

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 & Spencers 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 & Spencer Money website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencer Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, Marks & Spencer 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 & Spencer 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 Spenser insurance products in document format too.