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 & Spencers 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, 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 Marks & Spencer 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 Marks & Spencer 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 Marks & Spencer Money. Not least of these is Marks & 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 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 Car Insurance from Marks & Spencer Money, you get more, and you pay less.

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

Autograph Pure Cashmere Cardigan, at Marks&Spencer
Elegant and feminine, this long sleeve cardigan is made from pure cashmere for the ultimate in softness. Exclusive, luxurious and beautiful

Leather Camera Pouch, at Marks & Spencer
Use this durable leather pouch to keep your camera safe when you are out and about

Autograph Luxury Leather Multi- Pocket Bag, at Marks & Spenser
Every man should have one of these. In buttery soft washed leather, with all the pockets you could need, you'll wonder how you ever managed without it

Autograph Hooded Jumper with Cashmere, at Marks & Spensers
Soft and snugly, this practical jumper will keep him feeling warm and comfortable

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

Facet Handle Umbrella, at Marks & Spenser
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Silver Plated Mini Floral Necklace & Earring Set, at Mark & Spencers
2 part set Butterly stud fastening earrings Clasp fastening 'Y' necklace with adjustable length Mini floral design

DD-G Floral Embroidered Non-Padded Bra, at Mark & Spencers
Flattering and comfortable, this embroidered bra is specially designed for fuller busts. The full cup style gives gentle support and a flattering enhanced cleavage

Rose & Freesia, at M&S
Internet ExclusiveThis sunny yellow and white bouquet echoes all the beauty and colour of spring with a fabulous selection of roses and freesias complimented by a scattering of ruscus Available for delivery from 1st April to 30th September 2009

Collezione Pure Wool 3 Button Jacket, at Mark's & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques

Ruby Dinner Plate - Red, at Marks & Spenser
Plain centre Stripe edge Diam 27.5cm, Manufacturer: Marks & Spencer

Barton 2-Seater Sofa, at Marks and Spencer
H90 x W158 x D90cm Seat H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion 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 Includes 2 matching fibre scatter cushions Feet are castors with antique-brass effect 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 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Autograph Patterned Cushion, at Marks and Spencer
Herringbone pattern Quilted Square design, Manufacturer: Marks & Spencer

5 Cotton Rich Contrast Heel & Toe Socks, at Marks and Spencers
Soft and comfortable, these cotton rich socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Plain Summer Joggers, at Marks & Spencer
Relaxed and comfy, these casual joggers are made from soft cotton rich fabric. A practical easycare choice

Pearl Julia Floating Set, at Marks & Spencer
Different sized pearls Wire necklace Collar length necklace Length: 40cm

5 Pairs of 15 Denier Matt Ankle Highs, at Marks & Spencers
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top is designed to keep them in place without leaving marks

Dine In Reds Mix - Case of 12, at Marks and Spencer
4 Chteau de Balan Bordeaux 2006: A very well balanced claret with an aroma of blackcurrants and a hint of chocolate. Round, soft and very smooth on the palate with a slightly spicy, black pepper finish... 4 Domaine Mandeville Shiraz 2007:This is a beautifully smooth, ripe, flavour-packed, single estate French red. Look out for fruity notes of plum and blackberry with a rich hint of dark chocolate and spice, and a satisfying, rounded finish... 4 Ctes du Rhne rouge 2007:With its bright cherry flavours and floral, savoury scents, this is a scrumptious modern-style Ctes du Rhne. Made in an unoaked style to allow maximum fruit expression, this peppery, succulent red is medium bodied with soft tannins and gently warming finish... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Gold Plated Art Nouveau Stretch Bracelet, at Marks and Spencer
Stretch bracelet Art nouveau design

Per Una Pure Cotton 3/4 Sleeve Printed Cardigan, at Marks & Spencer
Cool and comfortable, this 3/4 sleeve cardigan is made from pure natural cotton and features a floral button fastening for a fashionable look

Ultimate Fishnet Tights, at M & S
The ultimate in stylish design, these fishnet tights have added stretch so they'll always keep in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Per Una 3/4 Sleeve Pearly Cardigan, at M&S
A feminine 3/4 sleeve cardigan featuring an open weave knit and button fastening

Blue Harbour Cotton Rich Funnel Neck Parka, at Marks and Spencers
A contemporary design and funnel neck makes this parka a fashionable choice

Medium Wine Glass, at Mark's & Spencer
32cl H21.5cm, Manufacturer: Marks & Spencer

Autograph Lace Cardigan with Cashmere, at Marks and Spencer
Soft and snuggly, this practical cardigan will keep her feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Cotton Blend Tummy and Waist Control Vest, at Marks&Spencer
This tummy control vest gives a flattering shape - great under close fitting tops. The hidden panel shapes the waistline and flattens your tummy while the longer length helps prevent it rolling up

Gold Plated Simple Twist Pendant Necklace, at Marks & Spencer
Fine chain Clasp fastening Simple twist pendant Length: 40cm Extender: 7.5cm

Single Divan with 1 Small + 1 Large Drawer & F200 Coolmax° Mattress, at Mark & Spencers
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm, small drawer: H14 x W40 x D52cm Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel Mattress spring count: 930 All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Classic Duckling Imprint Kit, at Marks & Spencers
Gift box, air-drying craft clay, 1 stand, pink and blue acrylic paint, paintbrush and instructions Box: H155 x W155 x D42mm

Car Gift Card, at Marks & Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

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