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. Marks & Spencer Money financial products are, of course, designed to make Marks & Spenser 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Spencer Money Buildings & Contents 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 & Spencer Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Mark's & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencers, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Besides Marks & Spenser Car Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Buildings & Contents 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 & Spencer 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 & Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.

Icon Letters Mum Birthday Card, at Marks & Spencers
Cover text: Mum Inside message: With love and kisses This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Autograph Renzo Coffee Table, at Marks & Spencer
H33 x L90 x W90cm Shelf: H18.5cm Lacquered wood Delivered flatpack due to size 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 *14 day delivery - This product is usually available within 14 days of placing the order. Subject to product and delivery slot availability. Not available during promotional events This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Stud Stripe Underwired Bra, at Marks & Spencer
Fun and fabulous, this stud stripe design bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Monster Mask Birthday Card, at M+S
Cover Text: Blank Inside Message: Blank for your own message Approx size: Flat: 150 x 215mm

Bird Print Flexilite Umbrella, at Marks & Spencers
Brighten up rainy days with this stylish lightweight umbrella

Adored Comfort Pansy Lace Padded Balcony Bra, at Marks & Spenser
Soft and pretty, this padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. Underwiring and padding give an uplifted and enhanced natural shape. Feminine everyday lingerie

Autograph Weekend Lightweight Bold Spot Print Scarf, at M+S
Add a touch of sophisticated style with this shimmering scarf. The perfect lightweight layer to wrap over this season's tops and dresses

Zebra Print Shoes Birthday Card, at Marks and Spenser
Cover text: Beautiful birthday Inside message: Blank for your own message Approx size: 174 x 126mm

Long Glacier Bead Necklace, at Marks and Spencer
Adjustable length Clasp fastening Mixed beads Long length

Handcrafted Pop-Up Bouquet Large Mother's Day Card, at Marks & Spencers
Cover text: To a special Mum Inside message: On Mother's Day, with love Approx size: Unfolded: 220 x 220mm

The Floral Collection Rose Hand Care Set, at Marks & Spensers
2 part set Contains hand wash and hand & body lotion Hand and body lotion enriched with shea butter 2 x 250ml

M&S Midnight 4-Slice Toaster, at MarksandSpencer
Toast up to 4 slices Variable browning control Defrost, reheat and cancel buttons High lift facility Stainless steel finish H22 x W46 x D21cm 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

2 Older Girls' Floral Baseball Caps, at Marks and Spenser
Fashionable and fabulous, these baseball caps are a great choice for fun in the sun

Perfect Autograph Weekend Modal Rich Pyjama Bottoms, at Mark & Spencers
Modern and sophisticated, these drawstring pyjama bottoms are part of our exclusive Autograph Weekend collection. They're beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Collezione Gradient Stripe Tie, at Marks and Spencer
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Limited Collection Linen Rich Petal Frill Skirt with Silk, at Marks & Spencer
This skirt is part of Limited Collection's Sahara City trend. Wild and natural with a slick cosmopolitan edge, this trend features modern graphic prints, statement pieces and a warm colour palette

English Bloom Chrysanths, at Marks & Spencers
This beautiful bouquet of award winning British bloom chrysanthemums, will make someone's day. Chrysanthemums Direct, our British grower based in Cheshire, was a gold medallist at this year's RHS Chelsea Flower Show for their display of Chrysanthemums Available for delivery until 30th September 2009

Giant Book Of Cool Stuff, at Marks & Spencer
This book will keep them busy as they look for over 1000 jokes, facts, activities, and more cool stuff

Sprung-Edge Divan with 2 Small + 2 Large Drawers & F200 Mattress, at Marks & Spencers
Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 24cm Small Drawer: H14 x W40 x D52cm Large Drawer: H14 x W78 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Spring count: 930 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are 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 Individually pocketed springs Deep layer of memory foam Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Vintage Lace Trim Brazilian Kinickers, at Marks&Spencer
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering briefs are designed to make the most of your figure

3 Cool & Fresh Cotton Rich Assorted Trunks, at Marks & Spensers
Made from soft breathable stretch cotton, these comfy trunks are ideal for everyday wear.

Samsung 32'' LE32B450 HD Ready LCD TV, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch Widescreen LCD TV, 1366 x 768 resolution Contrast Ratios: High Contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W797.7 x H84.8 x D530.5mm (without stand) W797.7 x D576.5 x H252mm (with stand) Weight: 11.4kg (with stand), 9.1kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 1 x Scart, 2 x HDMI, RF input, Composite(AV), PCMCIA Card Slot, PC input (D-sub) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial This product is not available for international delivery. Find out more Use wall mount

Pure Cotton Tonal Stripe Towel, at Mark's & Spencer
Tonal stripe design, Manufacturer: Marks & Spencer

Younger Boys' Thomas & Friends™ Rucksack, at Marks & Spensers
A must-have for fans of Thomas & Friends, this zipped double compartment rucksack features Thomas, the tank engine

Enamel Biscuit Barrel, at Marks & Spenser
Detachable lid with handle 'Biscuits' motif Dimensions: H20 x Diam 16cm, Manufacturer: Marks & Spencer

3 Authentic Pure Cotton Assorted Design Boxers, at Marks and Spencer
Add colour to your underwear drawer with these comfy pure cotton assorted boxers

Playmobil Police Seaplane Toy, at Marks & Spensers
Suitable for ages 4+ Floating feature Consists space for two figures Functioning propellers Wingspan: approximately 16 inches This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Mock Vest T-Shirt, at Marks and Spencer
Fun and fashionable, this mock-layer t-shirt in a soft cotton is a practical easycare style

2 Older Boys' Pure Cotton Assorted Baseball Caps, at Marks and Spencer
Casual and fashionable, these baseball caps feature a stunning floral print design

Older Girls' Pure Cotton Shopping Bag, at Marks and Spenser
Stylish girls need to keep all their essentials to hand, so this heart print shopping bag is a must have!

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

Whether you're looking for savings products or Marks & Spencer Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, Marks & Spencer 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 & Spencer Money insurance products (Buildings & Contents 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 & Spencer insurance products in document format too.