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 & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spencers 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 Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Buildings 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 & Spensers insurance products in document format too.

Besides Marks & Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Buildings 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 Financial Services 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 and Spencers purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Buildings Insurance and Standard Buildings 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.

Classic Duckling and Bear Baby Keepsake Box, at Mark's & Spencer
Pack contains: 1 keepsake box "This little bear went out one day over the hill and far away... " slogan Approx size: H235 x W315 x D57mm

Autograph Pure Cotton Long Sleeve Highlight Stripe Shirt, at Marks & Spenser
Stylish and contemporary, this highlight stripe shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you won't find it anywhere else

Autograph Cotton Rich 3 Piece Waistcoat Outfit, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Tribeca 2 Seater Sofa AU09 Newness, at M+S
Manufacturer: Marks & Spencer

Footglove™ Cork Wedge Shoes, at Marks n Spencer
Peep toe Stitch detail Buckle fastening Low heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

5 Pairs of Older Girls' Cotton Rich Assorted Design Socks, at Mark's & Spencer
Stock up on stylish essentials with this pack of 5 pairs of cotton rich socks

Autograph Long Sleeve Crew Neck Vest, at Mark's & Spencer
Featuring the best in modern fabric and contemporary design, this luxurious vest feels exceptionally comfortable and gives a superior fashionable fit

Cotton Rich Embroidered Corduroy Trousers, at Mark's & Spencer
Stylish and versatile, these comfortable cotton rich cords can be worn smart or casual. A practical easycare choice

Limited Collection Check Pencil Skirt, at Marks & Spencers
Sleek and chic, this check design pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

6 Assorted Mini Heart Hair Bands, at Marks and Spencer
Tie back those tresses in style with these cute mini heart hair bands with a selection of 6 different colours

Fabric Dress Birthday Card, at Mark's & Spencer
Cover text: Have a Wonderful Birthday Inside message: With lots of love Approx. size: 150 x 150mm

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at Marks & Spencer
Fun and practical, this cute 2-piece outfit features a giraffe print. It's made from soft pure cotton to keep him comfy. Part of our fabulously stylish Limited Collection

Bingley Bear with Fabric Flowers Birthday Card, at Marks&Spencer
Cover text: Birthday Wishes... Inside message: ...With Love x Approx size: 175 x 125mm

Blue Harbour Twin Pocket Short Sleeve Shirt, at Marks and Spencers
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Autograph Weekend Single Breasted Stripe Blazer, at Marks & 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

Ceriso Essentials Spot Embroidered Thong, at M+S
Fashionable and flirty, this modern thong features a spot embroidered design. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Butterfly Shaker Age 21 Birthday Card, at Marks and Spencers
Cover text: 21 Happy Birthday Inside text: Blank for your own message Approx size: 175 x 126mm

Dan's Mouse Christening Card, at Marks and Spencers
Cover text: On your Christening day... Inside message: ...With lots of love Approx size: 174 x 126 mm

Autograph Pure Cotton Hooded All-In-One Suit, at Marks and Spencers
Cute and practical, this all-in-one suit features a hood and stripe design. The soft cotton fabric will keep him comfy and the button fastenings are great for fuss-free changes. With luxury in every detail, this is part of our exclusive Autograph collection

Autograph Cross Strap Lace Back Sandals, at Mark & Spensers
Open toe Cross strap with buckle fastening Lace back detail High heel Heel height: 9cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Cover Up Drawstring Vest, at Marks and Spencer
Feminine and fashionable, this flattering cover up is designed in the latest shape. The ultimate in poolside glamour

M&S Glass TV Stand up to 50'', at Marks & Spensers
Supports LCD and plasma TVs up to 50" Toughened safety glass shelves Increased rigidity Clear glass with chrome supports Dimensions: H343 x W1187 x D540cm 79kg maximum top load weight Simple home assembly This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Blue Harbour Cotton Rich Stripe Rugby Top, at Marks and Spencer
Relaxed and casual, this stripe rugby top is made from a cotton rich fabric. It's designed to keep its shape and feel soft and comfortable to wear

Maternity Spot Print Tankini Top, at Marks n Spencer
Fashionable and modern, this spot print tankini top is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Pure Cotton Unisex Jumper, at Marks and Spenser
Smart and comfortable, this V-neck jumper is outstanding value. It's made from pure soft cotton, a natural choice for everyday wear

Dualit Hand Blender with Accessories - Cream, at Marks and Spencer
500 watt motor Pulse plus button - 17000rpm Variable speed control - 9000 to 16000rpm Dishwasher safe functional parts Easy grip soft touch handle Two gear boxes Stainless steel, longlife blades Dualit moulded Plug Detachable blending stick for easy cleaning Accessories include: Chrome plated beaters, stainless steel whisk, stainless steel 500ml capacity beaker with stay fresh lid, mini chopping bowl Dimensions: H38cm 500 ml capacity jug 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

Adored Comfort E-G Embroidered Orchid Bra, at Marks and Spenser
Elegant and pretty, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Philips 57'' FL7404 Full HD LCD TV, at Marks & Spencer
HD Ready 1080p: High Definition Multimedia Interface™ (HDMI) connections make your TV a multimedia centrepiece. Connect HD digital devices like disc players, game consoles, Digital Camcoder and satellite dish components into the rear connection for displaying an HD source on an HDTV Display: 57 inch LCD TV Contrast Ratios: Dynamic contrast 80,000:1 Integrated Digital and Cable Tuner Aerial Input- 75 ohm coaxial (IEC75) , Video Playback- NTSC, SECAM, PAL , DVB- DVB-T MPEG4*, DVB-C MPEG4* Tuner bands-Hyperband, S-Channel, UHF, VHF Dimensions: W126 x H77 x D12cm (without stand) , W126 x H82 x D31cm (with stand) Weight: 28kg (without stand), 32kg (with stand) Connections: 4 x HDMI , PC connectivity, USB, EasyLink (HDMI-CEC)- One touch play, Remote control pass-through, System audio control, System standby HD Natural Motion: Philips invented HD Natural Motion to eliminate juddering effects that are visible with movie-based picture content 2 x 10 W with Incredible Surround: An invisible sound system that blends perfectly with the design of the cabinet Picture enhancement: Pixel precise HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver, Progressive Scan, 2D/3D noise reduction, 100 Hz LCD, HD Natural Motion Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Video formats: 480i, 60 Hz, 480p, 60 Hz, 576i, 50 Hz, 576p, 50 Hz, 720p, 50, 60 Hz, 1080i, 50, 60 Hz, 1080p, 24, 25, 30, 50, 60 Hz Computer formats: 640 x 480, 60 Hz, 800 x 600, 60 Hz, 1024 x 768, 60 Hz, 1280 x 1024, 60 Hz, 1360 x 768, 60 Hz, 1600 x 1200, 60 Hz, 1920 x 1080, 60 Hz Sound: 2 x 10 W (Incredible Surround, Treble and Bass Control, Nicam Stereo ) Power: 220 - 240 V, 50 Hz This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Pure Linen Eyelet Curtains, at Marks & Spenser
Eyelets Plain Lined Comes in standard 130cm/51in (STD) and wider 168cm/66in (WDR) widths Comes in 2 drop lengths: short (137cm/54in) and long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Gold Plated Art Nouveau Stretch Bracelet, at M & S
Stretch bracelet Art nouveau design

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer 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 MarksandSpencer, 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.