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 Spencers are so useful. M+S Money 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 Money 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 Money Buildings 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 Money. Not least of these is Marks and Spencers Standard Car Insurance. With M+S 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 M+S 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 and Spencer, 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.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the M & S 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 Car Insurance, M&S Buildings 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 Spencer, 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.

Linen Blend Short Sleeve Stripe Shirt, at Marks & Spencers
Chic and modern, this short sleeve shirt is made from a cool crisp linen blend and features stripe design

Charades Card Game, at MarksandSpencer
Number of players: 2+ Suitable for ages 8+ Contains: 90 large game cards, instruction card, card holder Approx. card size: 83 x 116mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Older Boys' Cassette Print Swimming Shorts, at Marks & Spensers
Fun and fashionable, these lined shorts fit comfortably and securely. A cassette print design adds a fab finishing touch

Autograph Pure Cashmere Polo Neck Jumper, at Mark's & Spencer
Sophisticated and modern, this polo neck jumper is made from pure cashmere for the ultimate in luxuriously soft knitwear

Black Hawk Down Blu-ray DVD, at Marks and Spenser
Rating Suitable for 15 years and over,

Per Una Pure Cotton Long Sleeve Stripe Shirt, at M+S
A smart long sleeve shirt in pure soft cotton featuring stripe design

Pure Cotton Long Sleeve Stripe Hooded Cardigan, at Marks & Spenser
Knitted in pure cotton, this cute long sleeve stripe hooded cardigan will keep him warm and comfy. It looks cuddly too!

Formula Revival Radiance Complexion Balm, at Marks & Spensers
Instant reduction of fine lines and wrinkles Contains UVA/UVB filters Suitable for all skin types Hypoallergenic 50ml

Acetate Gold Foil and Stitching Flower Birthday Card, at Marks&Spencer
Cover Text: Happy birthday Inside Message: Blank for your own message Approx size: 174 x 126mm

Footglove™ Widefit Vented Loafers, at Marks & Spencers
Square toe Vented Stitch detail Low wedge heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Portfolio Boule Shoulder Bag, at Marks & Spencers
Stylish and useful, this shoulder bag features a large front zip pocket. A practical and fashionable accessory

Stormwear™ Hooded Block Panel Padded Jacket, at Marks and Spencer
Practical and fashionable, this padded jacket is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Underwired Piped Bikini Top, at Marks&Spencer
Stunningly stylish, this flattering bikini top is underwired for a flattering, supported shape. The ultimate in poolside glamour

Firm Control No VPL Border Thigh Slimmers, at M&S
These firm control knickers gently shape tums, thighs and bums for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

Barton Armchair, at Marks and Spencers
H85 x W102 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 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

Leather Chino Belt, at Marks and Spenser
Add a smart finishing touch with this leather belt

Bright Prints Range Set of 3 Pens Circles, at Marks and Spencers
Set of 3 13.5cm x 0.1cm

Laser Cut Butterfly Birthday Card, at Mark & Spencers
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 175 x 126mm

M&S 22" HD Ready LCD TV with DVD and FREEVIEW™ - Silver, at Marks & Spensers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device HD Ready: 1080i, 720p Display: 22" flat screen 1680 x 1050 pixels Contrast Ratio: 700:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H45.5 x W54 x D20.5cm Sound: Nicam Stereo Connectors: audio, D-sub, PC stereo, scart, S-video, HDMI slot DVD Player: Built-in DVD player Use wall mount T042100 to perfectly mount this TV

Surf's Up Blu-ray DVD, at M+S
Rating Parental Guidance,

Blue Harbour Pure Cotton Long Sleeve Stripe Top, at Mark & Spencers
Casual and relaxed, this stripe rugby top is made from pure cotton so it's soft, breathable and comfortable to wear

3 Thermal Briefs, at Mark's & Spencer
A great value set of comfortable and pretty briefs which are sure to keep her warm thanks to their insulating properties

3 Fold Die Cut Presents Card, at Marks & Spencer
Cover Text: Happy Birthday Message: Have a Great Day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 152 x 215mm

Cashmilon™ Crew Neck Knitted Jumper, at Marks & Spencer
Fashionable and flattering, this knitted jumper is made from supersoft cashmilon™ and features a crew neck

Autograph Stainless Steel Cocktail Shaker, at Marks and Spencers
Metallic sheen Suitable for cocktails H30cm 10 cm deep, Manufacturer: Marks & Spencer

Autograph Freedom® Roses - Dozen, at Marks & Spencer
These extra-long stemmed, large-headed roses come in a selection of glorious shades. All of the rose bouquets are hand-tied and beautifully wrapped in frosted Autograph™ cellophane and black ribbon Available for delivery from 1st April to 30th September 2009

Underwired Embroidered Trim Bra, at M & S
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Paint Pot Birthday Card, at Marks & Spensers
Cover text: Happy Birthday Inside message: blank for your own message Approx size: 178 x 126mm

3 Pack Easycare Long Sleeve Shirts, at Marks and Spencer
Woven in a no-fuss easycare fabric, long sleeves and double button cuffs add a smart focus to your office look. A practical and convenient choice for everyday wear

Sherbets Wedding Text Card, at Marks & Spencer
Cover text: Wedding Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but M&S 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 Buildings 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 (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 & Spencers insurance products in document format too.