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 & 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, 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 Money 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 Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

M&S 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 M&S 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, Sainsbury's, or Tescos:

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

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Marks & Spencer 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 M&S Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money insurance products (Property 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 Spencers insurance products in document format too.

Pure Cotton Stripe Pyjama Bottoms, at Marks and Spencer
Stylish and elegant, these stripe pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Feather Spray Spikey Cap Headdress, at MarksandSpencer
Sophisticated and glamorous, this bow and feather headdress is sure to turn heads!

Autograph Essentials Vintage Rose Embroidered DD-G Bra, at Marks and Spencers
Elegant and feminine this rose embroidered bra looks and feels luxurious. It's underwired and structured to give fuller busts great support and a flattering enhanced shape. Beautiful exclusive lingerie

Autograph Quad Shade Eyeshadow, at Marks & Spencers
Powder eyeshadow Hypo-allergenic Contains 4 shades

Autograph Pure Cashmere Short Sleeve Jumper, at Marks & Spencer
Elegant and feminine, this crew neck jumper is made from pure cashmere for the ultimate in luxurious softness

Autograph Leather Laced Desert Boots, at Marks n Spencer
Round toe Lace-up Stitch detail Block heel Contrast sole

Cream Aluminium Collection Milk Pan, at Mark & Spensers
Aluminium construction ensures pans are easy to use and durable Non-stick coating Riveted handles for safety and strength Suitable for use on all cookers and hobs except induction 0.9 litre capacity D14cm, Manufacturer: Marks & Spencer

M300 Mattress - Medium, at Marks and Spencer
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Reinforced side stitching gives greater edge support Individually pocketed springs Spring Count: 896 Anti-allergy protected for the life of the mattress Does not require turning 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

Elephant & Cat Multipack of 8 Cards, at M & S
Cover Text: All designs - blank Inside Message: All designs - blank for your own message Pack Contains: 8 cards, 3 designs Approx. Size (folded): 95 x 80 mm Approx. Size (unfolded): 200 x 80 mm

Flower Branch Thank You Card, at Marks & Spenser
Cover text: Thank you Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Hand Made Spring Flowers Birthday Card, at Marks & Spencer
Cover text: Wishing you a lovely Birthday Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Airflex™ Apron Derby Shoes, at Marks n Spencer
Smart and stylish, these shoes are specially designed with the Airflex™ sole system. This innovative technology gives your feet enhanced support, comfort and flexibility

Single Strap Pumps, at Marks & Spencers
Round toe Single strap with buckle fastening Flat sole

Block Stripe Swimsuit, at Marks and Spenser
Modern and shapely, this flattering swimsuit is designed in the latest shape. A fabulous fashionable look

Contemporary Metallic Wall Clock, at Mark's & Spencer
Plain face Wall mountable Metallic circle design, Manufacturer: Marks & Spencer

Geneva 2-Seater Sofa (No Arms), at Marks & Spencer
H88 x W152 x D96cm Seat H49cm (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 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 medium finish All of our fabrics are treated with Stain-Defence& trade; - 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 08457 624 624 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

Autograph Pure Cotton Royal Oxford Shirt, at Marks&Spencer
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

Rose Print Mug, at Marks and Spencers
Rose design Slim handle, Manufacturer: Marks & Spencer

Per Una Pure Cotton Zesty Floral Skirt, at Marks and Spencer
A casual knee length skirt in pure soft cotton. Embroidered floral details give it the Per Una touch

Faux Pearl Triple Row Necklace & Earrings Set, at Mark & Spensers
2 part set Hook fastening drop style earrings Clasp fastening multi strand necklace Faux pearl design Necklace length 41cm For hygiene reasons, refunds will only be given in accordance with your legal rights

3 Autograph Younger Boys' Pure Cotton Classic Trunks, at M+S
Comfortable, practical and fashionable, this pack of 3 classic trunks is made from soft breathable cotton

Perfect Ankle Length Cotton Rich Leggings, at Marks & Spencer
Leggings are still going strong this autumn. These are made from extra soft, breathable cotton, perfect for everyday wear

Traidcraft Embroidered Floral Handbag Card, at M&S
Cover Text: Blank Inside message: blank for your own message Approx size: 138 x 138mm

Perfect Pure Cotton Lightweight Stripe Jersey Scarf, at Marks and Spencer
This sophisticated lightweight jersey scarf is the perfect accessory to this season's fashions. The stripe design adds a stylish finishing touch

Formula Age Restructure™ Contouring Neck Cream & Calcium Complex, at Marks and Spencers
Calcium complex to firm and improve the structure of the sagging skin Collageneer a lupin extract to strengthen and improve skin elasticity Ovaliss ™ to contour the double chin effect and Pullulan to immediately tighten and Creatine to energise boosting fatigued skin Suitable for all skin types Hypoallergenic 50ml This product is not available for international delivery. Find out more

Traditional Lace Pull-On Girdle, at Marks and Spencer
A traditional girdle with a high level of support to gently control tummies and shape hips. The perfect foundation for a smooth look

Younger Girls' Abstract Print Footbed Sandals, at Marks & Spencers
Double front buckle fastening Heel buckle Abstract print design Flat sole Contrast comfort lining

Per Una Organic Cotton Crochet Trim Shorts, at Marks & Spencer
Elegant and feminine, these stylish shorts feature a crochet trim. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion, made with organic cotton

Flock Damask Wallpaper, at Marks and Spencers
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

4 Maxim Stainless Steel Knives, at Marks & Spencer
4-piece set 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Besides Mark & Spensers Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Property 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 & Spenser purchases are also protected while you take them home.

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