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's & Spencer 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, 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 & Spencer 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 & Spencer Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & 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.

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money website:

• M&S Insurance: M&S Motor Insurance, M&S Home Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencer Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencer Money website.

Per Una Crochet Bikini Briefs, at M & S
Pretty and feminine, these gorgeous briefs are fashionably detailed with a crochet detail. The ultimate in poolside glamour

Royal Jelly & Pure Honey Anti-Ageing Hand & Nail Cream, at Marks and Spencer
Formulated to prevent age spots 150ml

Autograph Rose Embroidered Waist Cincher, at M&S
This 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.

Ingredients Pomegranate Shower Gel, at Marks & Spencers
Pomegranate scent This fruity shower gel will leave your skin feeling fresh and clean 200ml

Gold Plated Marquis Tennis Bracelet, at Mark & Spensers
Leaf link design Diamant detail Clasp fastening

Large Value Hard Rollercase, at Mark & Spencers
Free 3 year guarantee on Value Luggage Built for durable practicality, this rollercase features a robust ABS outer shell and locking trolley system to ensure your belongings are safely secure and easy to transport

Zamora Sauvignon Blanc 2007 - Case of 12, at Marks & Spenser
Style: Dry Grape variety: Sauvignon Blanc Country of origin: USA Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Autograph Pure Silk Stripe Tie, at Marks&Spencer
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

3 Bubble Cars Set, at Mark's & Spencer
Set of 3 Promotes imaginative play Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure Cotton Floral Print Shirt, at Marks & Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning floral print

Blue Harbour Stormwear™ Gilet, at Marks and Spencer
Stylish and innovative, this gilet is treated with Stormwear™ technology, a breathable finish that repels water and stains

Portfolio Bobble Necklace, at Mark's & Spencer
Clasp fastening Adjustable length Mixed bobble design Necklace length 95cm, extendable by 8cm

Pure Cotton Floral Embroidered Denim Shorts, at Marks and Spencer
The floral embroidered motif gives a pretty twist to these fashionable denim shorts

Macon Rosé 2008 - Case of 12, at M & S
Style: Dry Grape variety: Gamay Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Usoa de Bagordi Organic Joven Rioja 2007 - Case of 6, at Mark's & Spencer
Style: Dry and fruity Grape variety: Tempranillo, Graciano Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cotton Rich Spot Print Bikini Knickers, at M+S
Pretty and feminine, these cute spot print bikini knickers sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Sonoma Office Desk, Desk Tidy & Chair Set, at Marks & Spencer
Desk: H77 x W131 x D65cm Desk tidy: H16 x W106 x D22.5cm Office chair: H116.5 x W63 x D71.5cm Adjustable seat: H36-42cm Made from White Oak solids and veneers Desk has 1 large pull-out drawer with fold-down front Desk tidy has 2 drawers and a fixed glass shelf Office chair has leather seat and metal base, adjustable height and gas-lift function Displays all the rich natural characteristics of wood, such as knots, figuring, and subtle colour variations Delivered flatpack due to size. Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Desk and tidy top panels are veneered with solid oak edging for strength Finished with 2 coats of durable, clear lacquer of low sheen Desk drawer boxes and fronts made from solid oak. Drawer bottoms made from white oak veneer 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. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Non-Wired Embroidered Cross-Over Bra, at Marks & Spensers
Soft and comfortable, this full cup non-wired bra is great value. They're designed to give gentle support and a flattering fit

Barton 3-Seater Sofa, at MarksandSpencer
H90 x W215 x D90cm Seat H51cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Cushions are reversible if you choose a fabric upholstery option 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 Turned legs with antique-brass effect castors Includes 2 matching fibre scatter cushions All of our fabrics are treated with Stain-Defence™ - 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 samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 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

Wide Stripe Longline Tunic, at Mark & Spensers
This fab wide stripe tunic is a style essential this season. A great match for slim cut trousers or jeans

Junior Sudoku to Test Your Brain Book, at Marks & Spenser
Solve more than 80 sudoku puzzles to test your brain power and keep you entertained for hours! You'll find a step-by-step guide to solving sudoku puzzles, 20 smaller puzzles to get you started, as well a full-sized grids to tackle as you become more confident. Be part of the craze that is sweeping the nation and see how much fun 'Junior Sudoku' can be!

Classic Collection Pleated Neck Top, at Marks and Spencer
Ideal for everyday wear, this smart top is made from soft easycare fabric and the fit is comfortable and flattering. A fashionable and practical style

Mother's Day Paint Your Own Flowerpot, at Marks and Spencer
1 ceramic pot 6 paint pots 1 paintbrush 1 instruction leaflet Approx size: H120 x D140mm

Saint Saturnin Réserve les Moulies Rosé 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Syrah, Grenache, Cinsault Country of origin: France Closure: Synthetic cork Suitable for vegetarians and vegans Bottle: 12 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

Sterling Silver Open Heart Necklace & Earring Set, at Marks and Spencer
2 part set Butterfly stud fastening earrings Clasp fastening necklace with fine chain Open heart design Diamant detail

Multi Strand Twist Design Necklace, at Marks & Spensers
Clasp fastening Adjustable length Multi strand style Twist design Length: 91cm

Autograph Pure Cashmere Long Sleeve Jumper, at Marks and Spencers
Elegant and feminine, this crew neck jumper is made from pure cashmere for the ultimate softness. Exclusive, luxurious and beautiful

Ceriso Mesh Frill Trim Padded Bra, at Marks and Spencer
Fun and funky, this modern bra is beautifully detailed with a meah frill trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look.

Detachable Bra Straps, at Marks & Spencers
These clear bra straps can be attached to your multiway bras

Print Your Own Wedding Stationery: White Pearl Damask Menu/Order of Service, at MarksandSpencer
Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 decorative ties, 1 x instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Please note: As this stationery is not intended for use as invitations, envelopes are not supplied in this pack Approx size: 218 x 154mm

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor 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 Finance 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 Home 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 (Home 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 & Spencer insurance products in document format too.