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. M&S Money financial products are, of course, designed to make Marks and Spenser 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Money you can keep the cost of your Motor 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 Motor Insurance cover from M&S Money, which also has other features.

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

Besides M & S Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Home 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 & Spencer purchases are also protected while you take them home.

Also, on both M&S Money Premier Home Insurance and Standard Home 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.

Pure Cotton Short Sleeve Embroidered Bib Top, at Mark & Spencers
Stylish and versatile, this square-neck top is made from cool comfortable cotton

12-Piece Lyon Dinner Set, at Marks and Spencers
12-piece set Includes 4 dinner plates, 4 side plates and 4 cereal bowls Dinner plate: Diam 28cm Side plate: Diam 21cm Cereal bowl: H8 x Diam 14cm Rib detail, Manufacturer: Marks & Spencer

Classic Duckling Large Gift Bag, at Mark's & Spencer
1 gift bag Approx size: H310 x W360 x D150 mm

Milk & White Chocolate Three-Present Stack Cake, at Marks & Spenser
64 portions Chocolate cake: A rich chocolate cake filled with chocolate ganache. Chocolate sponge cakes can be eaten up to 5 days after collection 3 cakes: 19.5cm square/15cm square/11cm square 3.3kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Available for collection in the majority of our UK mainland stores

Linen Blend Patch Pocket Trousers, at Marks & Spenser
Feminine and shapely, these on-the-waist trousers are cut to fit and flatter, giving a leggier look. A look that's always in style

Single Breasted 3 Button Peplum Jacket with New Wool, at Marks and Spenser
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions

Per Una Custom Button Stripe Cardigan, at Marks & Spencer
A cosy 3/4 length sleeve cardigan featuring stripe design and custom buttons

Formula Calming Toner, at Marks & Spencer
With chamomile and aloe vera Especially formulated for sensitive skins Suitable for all skin types Gently tones without any harsh additives Alcohol free Fragrance free Hypoallergenic 200 ml

M&S 3-Tier Steamer, at Marks and Spencer
3 steaming compartments 3.2 litre capacity per compartment 750 watt Water refill facility (max: 1.5L, min: 0.8L) Water window 1.4 litre rice bowl Digital timer and alarm Auto-stop Baskets collapse for storage Dimensions: H44 x W37 x D34cm Stainless steel 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

Hanging Bag & Cosmetic Purse Set, at Marks and Spencer
2 piece set Hanging bag with multi compartments Cosmetic purse with zip fastening Plain

Tyrrell's Wines Vat 9 Hunter Shiraz 1998 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 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 Marble Soap Dispenser, at Marks and Spencers
Pump action Textured finish Cuboid H18.5 x W6 x L6cm, Manufacturer: Marks & Spencer

Velour Wide Leg Trousers, at Marks and Spencers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Rotating Spice Rack, at M+S
Set of 12 Wooden rack Triangular design Dimensions: H26cm, Manufacturer: Marks & Spencer

Ruby Pasta Bowl - Red, at Marks and Spencer
Plain centre Stripe edge Shallow dish Diam 24cm, Manufacturer: Marks & Spencer

M&S Scart Switcher, at Marks & Spencer
Plug 2 scart cables into TVs that have only 1 scart socket Button to switch between devices 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

Blue Harbour Pure Linen Short Sleeve Check Shirt, at Marks&Spencer
Relaxed and stylish, this check shirt is cut for a great fit. It's made from pure linen, so it feels cool and comfortable to wear.

Limited Stripe Hat Scarf and Glove Set, at Marks & Spencers
Fashionable and colourful, this hat, scarf and glove set is perfect for chilly days

Low Rise Shorts, at Marks and Spencer
These exceptionally soft comfortable shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and low rise style give a sleek, shapely look. Designed for women who want a streamlined silhouette

Gold Plated Long Treasure Bead Necklace, at MarksandSpencer
Clasp fastening Adjustable length Long length Fine chain Shell detail Assorted beads Necklace length: 108cm

Millionaire's Shortbread Dessert, at Marks & Spencers
Serves 6-8 Ready to eat Not suitable for nut allergy sufferers Comes in a table-presentable bowl 750g total weight As featured on page 49 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Stormwear™ Hooded Drawstring Packaway Jacket, at Marks & Spenser
A contemporary design makes this jacket a fashionable choice

Autograph Cross Strap Riding Boots, at Marks & Spensers
Round toe Cross strap buckle fastening Front seam Stitch detail Knee high Block heel

Per Una Retro Coin Embellished Mock Layer Top, at Marks and Spencer
A casual 3/4 sleeve top in soft fabric featuring coin embellishment, the mock layer makes it extra stylish

Blue Harbour Pure Cotton Floral Cargo Shorts, at Mark & Spencers
Relaxed and casual, these fashionable cargo shorts are made from comfortable cotton and feature characteristic cargo style pockets

Marble Collection Soap Dish, at Marks and Spencer
3 drain holes Curved edges H14 x W8.5cm, Manufacturer: Marks & Spencer

Velour Wide Leg Trousers, at Marks & Spencers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Pure Cotton Ribbed Stripe Mitts, at Marks & Spensers
Hanging loop Stripe design Ribbed, Manufacturer: Marks & Spencer

V-Neck Long Vest, at Marks & Spenser
A simple design provides the perfect finish to the snug, easy to care for fabric of this wardrobe staple. Ideal for sleeping, layering under your favourite tops or simply wearing on its own

2 Older Girls' Pure Cotton Crop Tops, at Marks&Spencer
Cute and comfortable and soft and stretchy, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

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 Motor 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; Motor Insurance and Home 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 Home 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.