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 MarksandSpencer are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks and 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.

MarksandSpencer 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 & 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 & Spencer 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 & 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 and Spenser insurance products in document format too.

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

Button Pinafore, at Marks & Spencers
A great value pinafore in easycare fabric. Practical and easycare, it's ideal for school

Portfolio Molten Marble Necklace, at Marks n Spencer
Mixed bead design Long length Necklace length: 90cm

Younger Boys' Limited Camouflage Rucksack, at Marks & Spensers
Casual and fashionable, this camouflage rucksack features zipped compartments and adjustable straps for comfort

5 Pairs of Sparkle Bow Socks, at Marks and Spencers
Ideal for school, these soft cotton rich socks make a comfortable, practical choice

Disney's Cars My Story Collection Activity Book, at Marks & Spenser
Hot shot rookie, Lightening McQueen, is living the dream.. or so he thinks ! When the famous racecars tyres burst during the Piston Cup race, his goal of winning the trophy is almost over before begun. But maybe hell get another chance.. Once youve read the story, complete the activity pages at the end of the book. With stickers of all your favourite friends.

Footglove™ Leather Wide Fit Shoes, at Marks & Spencer
Round toe Buckle fastening Low heel Heel height: 16mm Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Younger Girls' Buckle Shoes, at Marks and Spencer
Round toe Single strap with buckle fastening Contrast lining Flat sole Comes in sizes 4-13

Autograph Leather Toe Cap Derby Shoes, at Marks & Spencer
Round toe Lace up Stitch detail 3 eyelets Block heel Available in half sizes

Cut Flowers Pot Pourri Box, at M+S
Cut flowers frangrance Presented in a box, Manufacturer: Marks & Spencer

Camouflage Brother Birthday Card, at Marks & Spencers
Cover text: Birthday Brother Inside message: Have a great day Approx size: 150 x 150mm

Airflex™ Grain Leather Shoes, at MarksandSpencer
Square toe Stitch detail Slip-on Shallow block heel Unique Airflex™ airflow system for unbeatable comfort

Star Sunglasses, at Marks & Spenser
A hot look for summer, these fabulous star sunglasses add instant style and glamour

Limited Collection Cotton Rich Studded Trim T-Shirt, at Marks and Spenser
Part of Limited Collection's Club Rio trend - get tropical in a heady mix of hot, sun-drenched hues and modern graphic prints with fresh white accents. A fashion-conscious holiday look

Footglove™ Widefit Round Toe Shoes, at Mark's & Spencer
Round toe Buckle fastening Stitch detail Mid heel

Coupe Cup & Saucer, at Marks & Spenser
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Cup height: 7cm Saucer diameter: 16cm, Manufacturer: Marks & Spencer

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

Pure Cotton Hello Kitty Hooded Mac, at M & S
Don't let rainy days spoil the fun! Fashionable and comfy, this hooded mac will protect her from showers.

Portfolio Marrakesh Chunky Bead & Stone Bracelet, at Marks n Spencer
Stretch bracelet Chunky beads Oval stone and jewel design

Autograph Pure Cotton Stripe Rugby Shirt, at Mark & Spensers
Cute and fun, the stripe design makes this practical top extra special. It's made from soft cotton and feels comfy to wear.

Laser Cut Fuchsias Daughter-in-Law Birthday Card, at Marks & Spencer
Cover text: Happy Birthday to a Very Special Daughter-in-law Inside message: Blank for your own message Approx size: 175 x 126mm

Blue Harbour Luxury Pure Cotton Tonal Stripe Shirt, at M & S
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Sun Formula Self Tan Facial Applicator Mitt, at Marks and Spencers
Water resistant barrier protects your hands from staining Hand wash for repeated optimum results This product is not available for international delivery. Find out more

Dainty Handbag Large Gift Bag, at Marks and Spencers
1 gift bag Approx size: H270 x W360 x D100 mm

Pure Cotton Woven Check Design Shirt, at Marks & Spencers
For casual elegance, you can't beat this woven nehru neck shirt. A great value cotton essential

Limited Collection Satin Mini Skirt with Belt, at Marks and Spencer
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

Cashmilon™ Bardot Neck Jumper, at Marks and Spenser
Casual and modern, this long sleeve jumper is made from supersoft cashmilon™ and features a Bardot neckline

M&S 8GB USB Memory Stick, at Marks & Spencer
8GB storage space Hi speed USB 2.0 compliant Plug & play compatible Capless design Requires no external power or cables Operating system: 98SE, ME, 2000, XP, Vista, OS9.X, OSX and Linux Kernel 2.4 or higher Speed: read speed max. 11 MB /s, write speed 7 MB /s Dimensions: 68 x 19.6 x 10.2mm

Portfolio Pure Cotton Animal Print Pleated Skirt, at M & S
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Mother of Pearl Photo Frame 13 x 18cm (5 x 7"), at Marks & Spencers
Mother of pearl border Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Short Sleeve Plain Jersey Body, at Marks & Spencer
This plain scoop neck body is a casual style essential. Perfect for wearing under trousers or skirts for a contemporary look

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spenser Standard Car Insurance. With Marks & Spencer 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 & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark's & 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.