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 M & S are so useful. Marks & Spencers 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 & Spencers 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 & Spencers Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

Besides Marks & Spensers Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Home 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 Marks & Spencers 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 Mark & Spensers purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Home Insurance and Standard Home 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.

Silver Plated Mosaic Leaf Necklace & Earrings Set, at Marks and Spencer
2 part set Hook fastening drop earrings Pendant necklace with adjustable length Mosaic leaf design Necklace length 40cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Moisturising Lipstick, at Marks n Spencer
Moisturises lips Hypo-allergenic 4ml

5 Big & Tall Authentic RealCool Cotton™ Plain Slips, at Marks & Spenser
These slips are made with RealCool Cotton™ which combines natural cotton with moisture management technology. The innovative fabric draws moisture away from your skin for rapid evaporation to keep you fresh, dry and comfortable

Princess Party Invitations - Pack of 10, at Marks and Spencers
Cover text: It's my Party! Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 12 x 12cm

Artificial Mini Orchid in Square Mirror Glass Vase, at Marks and Spenser
Artificial orchid Mirror glass vase Ready made arrangement that needs no after care H58cm, Manufacturer: Marks & Spencer

Autograph Chaton Drop Earrings Made With CRYSTALLIZED™ - Swarovski Elements, at Marks & Spenser
Hook fastening Drop style Made With CRYSTALLIZED™ - Swarovski Elements

Autograph Chocolate Tile Bedcover, at Marks and Spencer
Quilted tile design, Manufacturer: Marks & Spencer

Baroque Jacquard Pencil Pleat Curtains, at Marks & Spenser
Standard width: 168cm / 66in Wider width: 219cm / 86in Three drop lengths:Short: 137cm / 54in Medium: 183cm / 72inLong: 229cm / 90in Lined How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Pure Cotton Waffle Dressing Gown, at Marks&Spencer
Pretty and feminine, this dressing gown is made from pure cotton. Relax in style and comfort

Autograph Pure Cotton Parisian Damask Pillowcase, at Marks & Spencers
Floral design, Manufacturer: Marks & Spencer

Handcrafted Love Birds Fabric Valentine Card, at Marks and Spencers
Cover Text: Valentine Love Birds Together Forever Inside Message: Be my Valentine x Approx size: 178 x 127mm

Chuggington 60 Sticker Activity Book, at Marks and Spenser
Let's ride the rails! Its time for story fun in Chuggington! Join me and my trainee friend Brewster and use your chugger stickers to complete our trainstastic story scenes.

M&S Sandwich Toaster, at Marks and Spencers
Interlocking handle Non-stick sandwich plate Diagonal sandwich divider Non slip feet for added stability Power on light showing that the unit is on and heating up Temperature ready light 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

Handcrafted Photographic Anthony Bear Valentine Card, at Marks & Spencer
Cover text: Be my Valentine Inside message: Guess who? This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 230 x 114 mm

Everyday Spot Mesh Underwired Bra, at MarksandSpencer
Soft and comfortable, this spot mesh bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Kraft and Copper Foil Flowers Luxury Wrap Pack, at Marks & Spenser
Contains: 1 sheet wrapping paper, 1 ribbon, 1 gift tag Wrap: 980 x 685mm Ribbon: 2 m Tag: 115mm diameter

Ceriso Rio Push Up Padded Bra with Silk, at Marks & Spencers
Sassy and glamorous, this modern bra is beautifully detailed with a lace trim. Soft padding and underwiring give great support and a flattering enhanced shape. Designed for women who want the latest look

Pure Woven Silk Stripe Tie, at Mark & Spencers
Add a luxurious finishing touch with this contemporary stripe tie in pure silk

Per Una Roma Textured Stripe Bootleg Trousers with Belt, at Marks and Spenser
A stylish pair of bootleg trousers in stretch cotton featuring a self stripe design and buckle belt

Large Square Jewellery Box, at Marks and Spencers
3 drawers Square design

Newborn Cotton Rich Reversible Bunny Jacket, at Marks & Spencer
She'll have two looks in one with this practical reversible jacket. It's warmly padded and made from soft comfortable cotton fabric

Silver Jewel Effect Roll Wrap, at Marks n Spencer
Includes 1 roll wrap Approx. size: 150 x 70cm

PlayStation®3 Pro Evolution Soccer 09, at Marks & Spencer
Improved graphics for an ultra real stadium experience Improved AI engine for more life like opposition More realistic camera angles for your preferred playing perspective Updated rosters from your favorite club and national teams Immersive single player and multiplayer game modes 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Everyone

Blue Harbour Ultimate Grandad Collar Shirt, at Mark's & Spencer
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Airflex™ Suede Lace Up Gibson Shoes, at Marks n Spencer
Square toe Lace up Stitch detail Lightweight, flexible and durable Unique Airflex™ airflow system for unbeatable comfort

2 Compton Leather Chairs, at Marks & Spencer
H103 x W45 x D50cm Leather seat pad Sold as a pair Made from solid oak and oak veneer Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Solid hardwood legs All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning: Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy these chairs with antiqued-leather chairs as part of a set. Click here to view the Compton Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Exclusive Halterneck Bead Detail Bandeau Swimsuit, at Marks & Spencers
Luxurious and exclusive, this glamorous swimsuit is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

Short Sleeve Mock Layer Jersey Top, at Marks&Spencer
Feminine and pretty, this mock layer top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Pure Merino Wool Mock Layer Jumper, at Marks & Spencers
Smart and stylish, this mock layer jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

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

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home 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 Marks & Spencers 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 Marks & Spencers Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (Home 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.