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. M+S Money financial products are, of course, designed to make Marks and 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 M+S 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 M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spensers online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Motor Insurance, M&S Home 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 Marks and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M+S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks and 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 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 Money loans, credit cards or Home 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 (Home Insurance, Motor 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 Spencer insurance products in document format too.

Abbey S/STL, at Marks & Spencers
Manufacturer: Marks & Spencer

Cotton Rich Straight Leg Sweat Pants, at Marks & Spencer
Whether you're active or relaxing, do it in style and comfort in these cotton rich sweat pants

Bold Stripe Halterneck Tankini Top, at Marks&Spencer
Delicate and pretty, this flattering tankini top is designed in the latest shape. The bold stripes make it even more stylish

Pure Cotton Long Sleeve Mock Layer Hooded Top, at Marks & Spensers
Soft and comfy, this long sleeve mock layered hooded top is made from pure cotton and features a 'mischief' motif. A fashionable easycare style

Kneeling Buddha, at Mark's & Spencer
L12 x W11 x H25cm Terracotta base Crafted by Buddhist artisans For indoor decorative purposes Hand finished, Manufacturer: Marks & Spencer

Coupe Cup & Saucer, at M & S
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Cup height: 7cm Saucer diameter: 16cm, Manufacturer: Marks & Spencer

Classic Collection Leaf Print Brocade Blouse, at Marks & Spencers
Feminine and pretty, this leaf print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Pointelle Thermal Crochet Trim Vest, at Marks and Spencer
Indulge in soft, warm comfort with this thermal easy to wear knitted vest. Perfect for adding a snug extra layer to your outfits during the winter months

M&S Juicer, at Marks and Spencer
1 litre capacity 30 watt Removable & washable filter Transparent plastic body Cord storage Dimensions: H32cm 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

Ruby Cereal Bowl - Red, at Marks and Spencers
Deep dish Plain centre Stripe edge Diam 16cm Fine china, Manufacturer: Marks & Spencer

Classic Collection Cotton Rich Pull On Corduroy Trousers, at Mark & Spencers
Effortlessly stylish, these easycare pull on casual trousers are finished with a smart decorative fob at the waist. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts.

Younger Girls' Walkmates Assorted Strap Sandals, at Marks and Spenser
Open-toe Buckle fastening Contrast stitching Flat sole

Double Pocket Lined Holdall Bag, at Mark & Spensers
Stylish and practical, this holdall is ideal for business or weekend travel

Per Una Bow Textured Shift Dress, at M+S
A fashionable knee length dress in soft fabric featuring a bow detail

Cut Flowers Refresher & Burner Oil, at Marks & Spensers
Cut flowers fragrance 15ml, Manufacturer: Marks & Spencer

Long Sleeve Microcheck Classic Pyjamas, at Mark's & Spencer
Crisp and comfortable, these cotton blend pyjamas are outstanding value

HP TouchSmart tx2-1160ea Notebook, at Marks & Spensers
Processor: AMD Turion™ X2 Dual-Core Mobile Processor RM-75 Processor speed: 2.2 Ghz, Level 3 cache 1 MB Memory: 3072 MB (1 x 1024 MB + 1 x 2048 MB), Supports up to 4 GB DDR2 memory Hard Drive: 320 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery Display: 12.1'' Diagonal WXGA High-Definition HP LED BrightView Widescreen Display with Integrated Multi Touch-screen (finger and digitizer pen optimized) Operating System: Genuine Windows Vista Home Premium with Service Pack 1 Graphics Card: ATI Radeon™ HD 3200 Graphics with 64MB Display Cache Memory Up to 1470 MB Total Available Graphics Memory DVD Drive: Lightscribe Super Multi DVD Writer (+/-R +/-RW) with Double Layer support Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 3 USB 2.0, 1 VGA port, 1 RJ45, 1 RJ-11 ethernet connector Expansion Port 3, 1 Headphone out w/ SPDIF Digital Audio, 1 mic-in, consumer IR Connectivity: Integrated 10/100/1000 Gigabit Ethernet LAN 802.11a/b/g/n WLAN, Bluetooth wireless networking, One ExpressCard/34 slot Media Software: HP MediaSmart Suite, Windows Media Player, Windows Photo Gallery, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media center, HP Games Console with hours of free game play Other Software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, HP MediaSmart Suite, Digital Persona Fingerprint reader software, HP Total Care Advisor Dimensions: L22.40 x W30.60 x H3.73cm Battery: 4-cell and 8-cell Lithium-Ion (Li-Ion) battery Weight: 1.963kg

7 Pairs of Big & Tall Freshfeet Design Socks with Silver Technology, at Mark's & Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Edmonton Armchair, at M&S
H92 x W92 x D98cm Seat: H48cm (all dimensions are approximate) Seat cushions made from shape-retaining foam on leather upholstery options and polyester fibre on fabric upholstery options Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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

Per Una Open Front Asymmetric Drape Cardigan, at Marks & Spencer
A stylish open front asymmetric cardigan in soft fabric featuring angular ribbed trim

Footglove™ Leather Wide Fit Bow Wedge Shoes, at Marks & Spencers
Round toe Slip-on Bow and stitch detail Mid wedge heel Heel height: 56mm Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Holographic Dandelion Niece Birthday Card, at Mark's & Spencer
Cover text: To a special Niece Inside message: With love on your birthday Approx size: 215 x 150 mm

Artemis Lightweight Soft Large Rollercase, at Marks & Spensers
A smart option for travel, the wheeled design and retractable pull handle offer easy mobility no matter where you are in the world. A zip fastening helps keep your belongings secure

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

4 Pairs of Fresh Feet Premium Contrast Heel & Toe Socks, at M & S
The innovative Aegis Active Freshness system will keep these socks smelling fresh and odour free and its permanently built into the sock to perform wash after wash. Theyre cotton rich for soft natural comfort and have a reinforced heel and toe for extra durability

125 Years Longer Length Northamptom Leather Classic Brogue Shoes, at Marks & Spencer
Pointed toe Punch feature Stitch detail 5 eyelets Lace-up Block heel

M&S Corded Phone, at Marks and Spencer
13 number memory Wall mountable Last number redial Adjustable ringer volume Mute facility Recall facility Large buttons 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

Casual Leather Contrast Stitch Belt, at Mark & Spencers
This leather belt is ideal for wearing with casual styles

Blue Harbour Pure Cotton Seersucker Check Shirt, at Marks & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Winita Mannequin Jewellery Holder, at Marks & Spensers
Mannequin design Multiple hooks H18"

M+S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark & Spensers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, 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 Motor 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.