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 & Spencers 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, 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 & Spencers 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 & Spencers Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencers 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 and Spenser 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 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 Marks & Spencers Money loans, credit cards or Buildings & Contents 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 (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 Mark & Spencers insurance products in document format too.

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks n Spencer Standard Car Insurance. With Marks & Spencers 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 Marks & Spencers 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 Finance, you get more, and you pay less.

Post Surgery Modal Blend Non Wired Padded Bra, at Mark's & Spencer
Pretty and feminine, this modal bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Tulsa 2-Seater Sofa, at Marks and Spencers
H96 x W203 x D98cm Seat H50cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 cushionns made from polyester fibre 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 Includes 2 free matching scatter cushions All of our fabrics are treated with Stain-Defence& trade; - 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 08457 624 624 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

Cotton Rich Floral Print Blouse with Silk, at Marks & Spencers
Pretty and feminine, this 3/4 sleeve blouse is made from a luxurious blend of silk and cotton and features floral print design

Black Flower Slim Diary, at Marks and Spencers
1 diary (week to view) Dimensions: 165 x 80mm

Autograph Flat Front Grey Single Pleat Trousers, at Marks & Spencer
Fashionable and contemporary, these flat front stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Autograph Pure Cashmere Crew Neck Cardigan, at Mark & Spencers
Sophisticated and modern, this crew neck cardigan is made from pure cashmere for the ultimate in luxurious softness

Nectarine & Orange Pot Pourri Bag, at Marks and Spencers
Fruit scented assortment, Manufacturer: Marks & Spencer

Autograph Exclusive Rainbow Stripe Bandeau Bikini Top, at Marks and Spencer
Luxurious and exclusive, this glamorous bikini top 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

Big And Tall Luxury Wool Double Breasted Jacket with Cashmere, at Mark & Spensers
Specially proportioned for big and tall men, this double breasted jacket is designed to give a flattering, comfortable fit

Autograph Value Suit Jacket, at Mark & Spensers
Smart and stylish, this suit jacket is outstanding value! It's made from comfortable hardwearing fabric, ideal for sixth form wear

Older Boys' Pure Cotton Ben 10™ Mule Slippers, at Mark's & Spencer
Round toe Mule style Slip on Ben 10 motif TM & 2008 Cartoon Network. A Time Warner Company. All Rights Reserved

Cuddle Bear Sleeping Bag, at M+S
Popper button fastening Embroidered bear design Tog rating 2 0-6 months: L68 x W47cm 6-12 months: L68 x W54cm, Manufacturer: Marks & Spencer

Pure Cotton Embroidered Scalloped Trim Vest, at Marks & Spencer
A wonderfully delicate scalloped trim adorns the top of this soft cotton cami whilst a sweet bow adds a pretty girly touch

Spot Net Tights, at Marks and Spencers
Treat your legs to a touch of style. These spot print tights have a durable reinforced design to keep them looking good, wear after wear

Pure Cotton Loop Bathmats, at Marks & Spensers
Block colour design Bathmat: L80 x W50cm Pedestal:: L55 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Leaf Trellis Eco Wallpaper, at Marks & Spencers
Textured wallpaper Offset pattern repeat 64cm - The pattern runs diagonally across the wall, so only alternating rolls will be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests Eco range - environmentally friendly wallpapers printed on paper from managed timber sources (100% FSC) using purely water-based inks How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Art Deco Photo Frame 7.5 x 7.5cm (3 x 3"), at Marks and Spencers
Square shape Art deco style Aperture: 7.5 x 7.5cm (3 x 3"), Manufacturer: Marks & Spencer

Contrast Trim Ballet Socks, at Marks & Spenser
These essential ballet socks are outstanding value. They're made with added stretch for comfort and durability

Limited Collection Snake Print Leggings, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Andante Rim Side Plate, at Marks & Spenser
Ideal for everyday use, durable Plain Round shape Diameter 21cm, Manufacturer: Marks & Spencer

Crozes-Hermitage Cave de Tain White 2008 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Marsanne, Rousanne Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ethnic Heart Cluster Necklace, at Marks n Spencer
Adjustable length Clasp fastening Heart cluster design Necklace length 82cm, extendable by 8cm

Hand Made House New Home Card, at Marks & Spencers
Cover text: A new home! Inside message: Blank for your own message Approx size: 175 mm x 127 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

3/4 Sleeve Blossom Print Blouse, at Marks and Spencers
Feminine and elegant, this sophisticated blouse is beautifully designed and cut for a flattering shape and features a striking blossom print

Faceted Bead Stretch Bracelet, at Marks & Spencer
Faceted beads Stretch

Firm Control Smooth Magic Waist Cincher, at Marks & Spencers
This Magic waist cincher gives total body definition, shaping your tummy, waist and bottom with the flexibility of wearing your own bra. It's comfortable, breathable and easy to move around in, and the special finish keeps you cool and dry

Prints - NAT LINEAR LEAF, at Marks & Spenser
Manufacturer: Marks & Spencer

OK! - Magazine Gift Subscription, at Marks and Spencer
OK! First for celebrity news! Be part of the A List and catch up with your favourite stars only in OK!. Every week you'll be amazed by our world exclusive interviews, our Access All Area weddings and all the latest celebrity news and gossip

Stainless Steel Non-Stick Wok with Lid, at Marks & Spensers
Diam 30cm Double handles Glass lid Dishwasher safe, Manufacturer: Marks & Spencer

Red Classic Rose Cake, at Mark & Spencers
36 portions Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Cake weight is 2.7kg. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Cake weights 1.7kg. Can be eaten up to 5 days after collection Cake size: 20.5cm square Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

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

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

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.