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 Financial Services 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property 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 Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct 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 Property 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 (Property 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 & Spensers insurance products in document format too.

M&S Financial Services 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 Motor 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; Motor Insurance and Property 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 Property 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, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

iPod Classic Leather Case, at Mark & Spencers
Keep your iPod safe and stylish with this leather case. Compatible with all large iPod models, the case is made of genuine premium leather, which looks and feels great

Strawberry & Clotted Cream Cheesecake, at Marks & Spencers
Serves 14 Ready to eat Not suitable for nut allergy sufferers Suitable for vegetarians 1.55kg total weight As featured on page 51 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Beechwood Towel Holder, at Marks & Spenser
Height: 36cm Diameter of base: 15cm, Manufacturer: Marks & Spencer

Autograph Cotton Rich Mock Layer Dress and Tights Outfit, at M&S
Practical and pretty, this cute 2 piece outfit is made from soft cotton to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Thermal Wide Ribbed Leggings, at Marks and Spencer
Keep warm and comfortable in these soft thermal leggings. Cosy without being bulky, they make the perfect extra layer for cold weather

Per Una A-Line Applique Skirt, at Marks & Spencer
A fashionable a-line skirt featuring applique and bead detail

Autograph Bugle Bead Sparkle Clutch Bag, at Marks n Spencer
A sparkling wave curve clutch featuring bugle beading. Add a fabulously fashionable finish to your look

36 Indian Style Chicken Kebabs, at Marks and Spencers
Contains 36 pieces Serves 8 Ready to eat Suitable for freezing 500g As featured on page 15 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Rosé Wine, Chocolate & Rose Basket, at Marks & Spensers
Internet Exclusive The perfect basket of treats for a loved one! Includes a gift wrapped pink rose plant, a bottle of ros wine and a box of tempting chocolates

Autograph Luxury Pure Cotton Blend Stripe Shirt, at Marks and Spencer
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Pure Cotton Faux Fur Jacket, at Marks and Spencer
Stylish and fashionable, this faux fur jacket makes a comfortable and practical choice

Star Print Hooded Fleece Jacket, at Marks and Spencer
Soft and warm, this pretty star print hooded fleece jacket will keep her cosy

High School Musical 2: Non-Stop Party CD, at Mark & Spencers
Audio CD, Marks & Spencer

Per Una Textured Stripe Thongs, at Marks & Spencer
Elegant and feminine, this stylish thong features a textured stripe design and is finished with lace and a bow. The high leg style gives a close, figure-flattering fit. Pretty everyday fashion

Autograph Essentials V-Neck Cardigan, at Marks & Spencer
Sophisticated and modern, this v-neck cardigan has been designed for a luxurious feel and a flattering, fashionable look

Big & Tall Stormwear™ Straight Leg Trousers with Wool, at Mark & Spensers
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

Pure Cotton Drawstring Joggers, at Marks & Spencers
Comfortable enough for crawling or napping in, this soft cotton jogger is a practical and fashionable choice

Cute Button Jewellery Box, at Mark & Spensers
Modern and stylish, this cute button jewellery box will keep your jewellery organised and add a lovely finishing touch to your dressing table

Crystal Nail File, at Mark's & Spencer
The pattened design surface is ideal for gently shaping and smoothing nails Durable surface that is fully washable Perfect size for slipping into your handbag

Pure Silk Square Grid Dot Tie, at Marks & Spencers
Add a luxurious finishing touch with this smart patterned tie in pure silk

Chevron Print Scarf, at M&S
Add a fashionable finishing touch to your look with this elegant chevron print scarf. The perfect accessory to this season's styles

Twin Bunnies in Stockings New Baby Card, at Marks&Spencer
Cover text: Congratulations... it's Twins! Inside message: Wishing you lots of happiness with your two bundles of joy! Approx size: Unfolded: 178 x 126mm

Autograph New York Bath Cream, at Mark & Spensers
Bath cream 200ml

Collezione Luxury Wool Micro Texture Trousers, at Marks and Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

4 Aurora Soup Spoons, at Marks and Spencer
4-piece set 18/10 stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Detroit Double Wardrobe, at Marks and Spencer
H195 x W90 x D59cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Solid oak doors Shelves made with oak veneer Side panels made with oak veneer Top panels made from oak veneer with a solid oak edging for strength 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Mineral Face Powder, at M+S
Hypoallergenic

3 Pairs of Cotton Rich Assorted Ankle Socks, at Marks & Spencer
Cute and comfy, these soft cotton rich socks feature assorted designs

Collezione Wool Rich Single Breasted Coat with Cashmere, at Marks and Spencers
Elegantly stylish and meticulously finished, this mid length coat is inspired by sophisticated Italian fashions

Large Lines Flared Vase, at Marks and Spencer
Large opening Cut circular design Broad base W16.8 x D16.8 x H35cm, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spencers Standard Motor Insurance. With M&S Financial Services you can keep the cost of your Motor 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 Motor Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Finance, you get more, and you pay less.