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 Mark's & Spencer are so useful. Marks & Spencers 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, 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 & Spencers 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 & Spencers Money Buildings & Contents 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 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 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 & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Besides Marks and Spencers Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers 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 Marks & Spencers 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 Mark & Spensers purchases are also protected while you take them home.

Also, on both Marks & Spencers 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.

Collezione Zip Luxury Wash Bag, at M&S
Take the hassle out of transporting your toiletries with the zip fastening design of this travel essential

Ingredients Cocoa Bean Body Butter, at Marks & Spencer
Cocoa bean scented 200ml Not tested on animals Pot dimensions: H5.5 x Diam10cm

Long Sleeve Hooded Fleece, at Marks & Spenser
Comfy and cosy, this hooded fleece feels soft and warm and is great value. A practical, easycare style

Coloured Glass Collection - Large Hurricane Lamp, at Marks & Spencers
H23 x Diam 17.5cm Coloured glass Thick base Comes with candle and sand Hurricane lamp style design, Manufacturer: Marks & Spencer

Abbey Corner Chaise - Right-Hand, at Mark & Spensers
H95 x W291 x D106cm Chaise length L164cm, seat H54cm (all dimensions are approximate) Right-hand chaise - Chaise is on right side when viewed from the front of the sofa Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Fashion Floral Trellis Tights, at M & S
Add a stylish touch of chic with these head-turning floral design tights

Philips 32FL8404 32" HD Ready Digital LCD TV, at Marks & Spencer
Display: 100Hz Clear LCD, 3ms response time: superb motion sharpness for clear images even with fast on-screen motion HD Ready: HD Natural Motion eliminates juddering effects in movies Online services: Net TV for popular online services on your TV YouTube: Enjoy YouTube and national TV programs on demand PC connectivity: PC network link (DLNA) lets you watch videos, view pictures and listen to music from your PC Audio: 2 x 10W clear and bright integrated sound Integrated Digital Tuner: Digital TV tuner & CI+ for cable and terrestrial digital TV Sharp picture: Fastest LCD TV in its class for extremely fluent and sharp pictures Net TV: Connect to and enjoy the online world with Net TV services Ambilight Spectra for an immersive viewing experience 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

Petite Cotton Rich Slim Denim Jeans with Belt, at Marks & Spencer
Effortlessly stylish, these denim jeans come with a jewel decorated belt. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts

Little Acorn Artwork Masterpiece Clipboard, at Marks & Spensers
Contains: 1 masterpiece clipboard Approx size: 297 x 210mm

Glacier Bead Stretch Bracelet, at Marks & Spencers
Mixed bead design Stretch style

The Floral Collection Lavender Anti-Perspirant Roll-On, at Mark's & Spencer
50ml Roll-on Lavender fragrance Alcohol free

Pure Cotton Long Sleeve Top, at M+S
Want style and comfort? Brushed cotton gives this fashionable top an irresistibly soft touch

Handcrafted Glitter Heart Valentine Card, at Marks & Spencers
Cover Text: Love Be mine You are my best friend Be my Valentine Love is all you need! Will be yours always! I heart you Hearts Flowers Kisses Inside Message: Happy Valentine's Day Approx size: 15 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Portfolio Pure Silk Contrast Border Lightweight Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk contrast border scarf. The perfect accessory to this season's styles

3 Pairs of Assorted Star Socks, at Mark & Spencers
Get a fabulous, fashionable look with these star design socks. They're made from comfortable soft stretch cotton for a great fit and shape retention

Freshfeet Pure Cotton Jumbo Cord Slippers, at Mark & Spensers
Round toe Textured finish Tartan style lining pattern Flat sole Slip on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Blue Harbour Cotton Rich Stripe Swim Shorts, at Marks and Spencer
A great value pair of shorts offering a secure fit, while multiple pockets should come in handy for that relaxing walk on the beach

Baby Girls' Warm Lined Pram Shoes, at MarksandSpencer
Round toe Riptape fastening Emboidered motif Ankle high

3 Layer Faceted Bead Necklace, at Marks and Spencer
3 layers Multi coloured beads Facet detail Adjustable length Clasp fastening Necklace length: 43cm

Perfect Portfolio Almond Toe Court Shoes, at Marks and Spenser
Almond toe Buckle fastening Cut out feature High heel Heel height: 85mm Comes in sizes 3-8, including half sizes

LED Light Collection Butterfly Mobile, at M & S
Hanging wire Circular design 6 hanging butterflies, Manufacturer: Marks & Spencer

Beaded Frill Front Top, at Marks & Spenser
Smart and stylish, this scoop neck top features beaded frill front

2 Machine Washable Goofy Ties, at Marks & Spenser
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

The Cotton Collection Cotton Stripe Hand Cream, at Marks & Spenser
Moisturising hand cream 250ml bottle with pump

Artificial Mini Orchid in Square Mirror Glass Vase, at Marks & Spencer
Artificial orchid Mirror glass vase Ready made arrangement that needs no after care H58cm, Manufacturer: Marks & Spencer

Limited Collection Side Popper Leggings, at Marks and Spencer
These leggings are part of Limited Collection's Ethereal trend. An eclectic fairytale look featuring vintage inspired crochet, frills and a mix of prints and bright summertime shades

Short Sleeve Pleated Scoop Neck Top, at Marks and Spencers
This pleated scoop neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Linen Blend Crochet Bib Blouse, at Marks and Spencer
Chic and modern, this short sleeve blouse is made from a cool crisp linen blend and features a crochet bib detail

Laser Cut Butterfly Birthday Card, at Marks & Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 175 x 126mm

Pure Linen Drawstring Waist Trousers, at Marks & Spencer
Fluid and feminine, these wide leg trousers are cut to fit and flatter, giving an elegant silhouette. A look you can dress up or down

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer 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 Motor Insurance, M&S Buildings & Contents 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 Mark & Spensers, 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.