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 Spencer are so useful. M&S Money Direct 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, Buildings Insurance policies. Usually, UK Buildings 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 Money Direct Buildings 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 Money Direct Buildings 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 Buildings Insurance or Car Insurance, but Marks n 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 Money Direct 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 M&S Money Direct loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money Direct 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 Money Direct insurance products (Buildings 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 MarksandSpencer insurance products in document format too.

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

• M&S Insurance: M&S Car Insurance, M&S Buildings 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 M&S Money Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

3 Mini Diamanté Photo Frames, at Marks and Spencer
Set of 3 assorted shapes: circle, star and square Glittering design Star: 4 x 4cm (1.5 x 1.5") Circle: D4cm (1.5 x 1.5") Square: 4 x 4cm (1.5 x 1.5"), Manufacturer: Marks & Spencer

Royal Jelly & Pure Honey Body Butter, at Marks & Spencer
Moisturising 200ml

Halterneck Sailor Stripe Swimsuit, at Marks & Spencer
Sleek and modern, this fashionable swimsuit features a sailor stripe panel. Designed to fit and flatter

Pink Sentiment Daughter Birthday Card, at M+S
Cover text: A Daughter is the sweetest gift a lifetime can provide Inside message: A blessing and a constant source of happiness and pride Approx size: Unfolded: 150 x 215mm

Thomas and Friends: Magnet Book, at M&S
Join your favourite characters for some magnet scene fun! This title lets you use your imagination and lots of magnets to complete the scenes.

Oscar Cot Bed & Open Coil Sprung Mattress Set, at Mark & Spencers
2 piece set Cot Bed: H89 x L147 x W82cm Cot under bed drawer: H12.5 x W132.5 x D65cm Cot converts into a junior bed suitable for children up to age 5 Cot has fixed sides with 3 optional height positions for the base Mattress: Spring count 90 - L140 x W70 x D15cm Mattress has hygienic, moisture-resistant covering and fully conforms to current safety standards All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Pure Cotton Long Sleeve Hooded Top & Check Shirt, at M+S
Cute and fun, hood and check design makes this practical top extra special. It's made from soft cotton fabric and feels comfy to wear

Magic Firm Control Lace Trim Waist Cincher, at Mark's & Spencer
A great shape for those who want total body definition, the waist cincher flattens and shapes your waist, tummy and bottom. Great for wearing under dresses

4 Grace Mugs, at Mark & Spencers
Set of 4 Fine China Leaf print Height: 10cm, Manufacturer: Marks & Spencer

Floral Garden Rug, at Mark's & Spencer
Rectangular shape Floral design Contrast border Small: L140 x W80cm Medium: L180 x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Swirl Champagne Flute, at M & S
Swirl design Wide base Coloured glass Handmade Height: 27.5 cm Capacity: 17 cl, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Matinee Cardigan, at Marks & Spenser
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too!

5 Pure Cotton Bikini Briefs, at Marks and Spencers
Practical and fashionable, this 5 pack of cotton briefs makes a great way to stock up on essential style

Autograph Pure Cotton Slim Fit Rib Stripe Shirt, at Marks and Spencers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Ingredients Coconut Shower Cream, at M&S
200ml Coconut

Pure Cotton V-Neck Vest, at M & S
Pretty and feminine, this v-neck vest is made from soft breathable cotton for a comfortable night's sleep

Gold Spot Bursts Large Gift Bag, at Marks & Spenser
1 gift bag Spot design Approx size: H420 x W300 x D100mm

Ashbourne Large 2 Seater Sofa AU09 Newness, at Mark's & Spencer
Manufacturer: Marks & Spencer

Pure Cotton Bold Stripe Pyjamas, at Mark & Spensers
Contemporary and fashionable, these pure cotton pyjamas make the perfect choice for relaxing in style and comfort

Isis Woman Purse Spray 25ml, at M+S
Eau de toilette perfume 25ml This product is not available for international delivery. Find out more

The Ponte Bootleg Trousers, at Marks & Spencer
Everyone needs a great pair of bootleg trousers. Flaring gently from the knees to balance curves, they're universally flattering and go with everything. These are made of fashionable ponte fabric and are a true wardrobe must have

Pleated Corduroy Skirt with Tights, at M & S
Pretty cute and fashionable, this pleated skirt with tights is outstanding value!

Pure Cotton Tatty Teddy Flower Top, at Mark & Spencers
Fans of Tatty Teddy will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Medium Floral Reel Vase, at Marks and Spencer
Wide open spout Broad base Floral leaf design Hand cut Dimensions: 19.5 x 19.5 x 28cm, Manufacturer: Marks & Spencer

PSP™ Crisis Core Final Fantasy VII Game, at Marks and Spencer
Complete the Final Fantasy VII experience and reunite with renowned designer Tetsuya Nomura's most famous characters Engage in action-packed, real-time battles using the innovative Digital Mind Wave system Acquire unique accessories, items and abilities through 300 side missions designed to further enrich your experience Single player You must be 16 years of age or over to purchase this product 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Mature

Half Frame Reading Glasses, at Marks & Spensers
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Half frame design

Nail Care French Manicure Set, at Marks and Spencers
11ml bright white tip 11ml french pink 11ml top shine Easy to use glide-on white tip

Leather Flip Toe Lace-Up Shoes, at Marks and Spencer
Square flip toe design Stitch detail Lace-up Block heel

Instant Shoe Shine, at Marks n Spencer
Convenient, quick and easy, this handy shoe shine works on any colour to give a polished look in an instant

Luxury Cotton Rich Bengal Stripe Shirt with Silk, at Marks and Spenser
The superior quality, cut and detailing on this luxurious pure cotton and silk shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

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