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 Financial Services financial products are, of course, designed to make MarksandSpencer 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property 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 Financial Services. Not least of these is Marks & Spensers Standard Car Insurance. With M&S Financial Services 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 M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spencers, 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, you get more, and you pay less.

M&S Financial Services 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 Property 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 Property 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Sheepskin Rug, at Marks and Spencer
Asymmetrical shape Deep pile, Manufacturer: Marks & Spencer

5 Lace Thongs, at Marks and Spenser
Providing the ultimate in comfort and fit. A consistently flattering cut and easy to care for fabric makes these great value thongs a superb solution for stocking up your day to day underwear drawer

Rectangle Face Link Watch, at M&S
Rectangle face Analogue Roman numerals Link strap

3/4 Sleeve Ruched V-Neck Jumper, at MarksandSpencer
Modern and stylish, this 3/4 sleeve jumper is a wardrobe essential

4 Floral Detail Glass Coasters, at Mark & Spensers
Pack of 4 Floral Detail Square shape Solid glass, Manufacturer: Marks & Spencer

Handcrafted Brief Encounter Valentine Card, at Marks & Spensers
Cover text: A Brief Encounter... ... on Valentines Day Inside message: With love Approx size: 150 x 150mm

Limited Collection Faux Snake Skin Cropped Leggings, at Marks&Spencer
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!

Per Una Short Sleeve Ditsy Floral Print Tunic, at Marks & Spenser
A pretty short sleeve tunic in a soft stretch fabric. Featuring a ditsy floral print and tie bow design

Pear Necklace and Earrings Set, at Marks and Spencer
2 part set Adjustable length pear design necklace with a clasp fastening Hook fastening pear style drop earrings

Sony Bravia 32'' KDL-32E5500 HD Ready Picture Frame LCD TV, at Mark & Spensers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 32 inch viewable screen and a display resolution of 1920 x 1080 pixels Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W82.7 x H57.7/55.9 x D25.9cm, without table stand: 82.7 x 53.9 x 9.4cm Weight: weight inc. stand 14.5kg, weight without stand 12.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Cotton Rich Embroidered Velour Hooded Top, at Marks and Spencers
Fashionable and practical, this velour hooded top features an embroidered detail.

4 Silver Plated Clip On Earrings, at Marks & Spensers
Set of 4 Assorted designs Clip on style

Philips HP6335 Double Contour Ladyshave, at Marks & Spencer
Fast and efficient shaving: Twin-head for light shave of even the toughest hairs Adjusts to every body curve: Floating shaving head follows your body curves Smooth shave with aloe vera Washable shaving head Rechargeable Accessories: cleaning brush, charging stand and bikini trim attachments

Autograph Weekend Pure Cotton Denim Shirt, at Marks and Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Limari Valley Sauvignon Blanc 2008 - Case of 12, at Marks & Spenser
Style: Dry, medium bodied Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol units per bottle: 9.8 Alcohol by volume: 13% vol. 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

5 Luxury Pure Cotton Check Handkerchiefs, at Marks & Spencers
Luxuriously soft handkerchiefs in pure cotton

Floral Hanging Cosmetics Organiser, at Marks & Spenser
Single handle Floral design 3 compartments Matching mirror Hanging hook Lined

North Coast Pure Cotton Flat Front Jeans, at Marks and Spencer
Stylish and comfortable, these straight leg jeans give a regular fit through the hip and thigh

North Coast Straight Leg Jeans, at Mark & Spencers
Relaxed and casual, these jeans are made from soft cotton. Added stretch keeps them in great shape and gives added comfort and ease of movement

AUTO DELIVERY - MCS FEB INTRO RED, at Marks and Spencer
This product is not available for international delivery. Find out more

Mixed Faux Pearl & Bead Tassel Necklace, at Marks n Spencer
Clasp fastening Tassel detail Mixed Faux pearl and bead design Necklace length: 76cm

First Readers Jack and the Beanstalk, at Marks and Spencer
This popular story is part of the First Readers range. Jack thinks he's clever to sell their old cow for five magic beans. But Jack's in trouble as his mother thinks the beans are worthless and throws them away. Find out what happens next!

3 Pure Cotton Stripe Tea Towels, at Marks & Spensers
Pack of 3 Plain edge Assorted designs, Manufacturer: Marks & Spencer

Zamora Zinfandel 2007 - Case of 12, at M & S
Style: Full bodied Grape variety: Zinfandel Country of origin: USA Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Classic Duckling Birth Announcement - Pack of Ten, at Marks and Spencer
Cover Text: New baby Inside Message: Would like to announce the birth of . . . . . .,A new arrival . . . . . . , On . . . ., Time . . . ., Weighing Pack Contains: 10 cards, 1 design Approx Size: 120 mm x 120 mm

Younger Girls' Holiday Badge Clogs, at M&S
Round toe Slip on Spot print Badge features Assorted badges

Little Acorns Christening Invites - Pack of Ten, at Marks and Spencer
Cover text: Christening Inside message: Would like to invite.....to the christening of.....on.....at.....time.....RSVP..... 10 cards, 1 design Approx size: 120 x 120 mm

5 Pairs of Younger Boys' Cotton Rich Assorted Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made with soft breathable cotton

7 Pure Cotton Assorted Bodysuits, at Marks and Spencer
Stock up on stylish essentials with this pack of 7 bodysuits in natural breathable cotton

Radiance Gift Bag, at Mark & Spensers
This stylish gift bag, bursting with gerberas, will add a splash of colour to any room Available for delivery from 1st April to 30th September 2009

M&S Financial Services 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 M&S Financial Services 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 & Spenser 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, Sainsbury's, 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 M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.