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&Spencer are so useful. M+S 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 M+S 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 M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

M+S 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 Home 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 Home 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 Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spensers Standard Car Insurance. With M+S 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 M+S 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 Spencers, 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.

Gold Spot Bursts Bottle Bag, at Marks & Spencer
1 bottle bag with tag Approx size: H370 x W120 x D80mm

Car Keyring, at Marks & Spencer
You'll never lose your keys again with this eye-catching keyring

Multi Bead Hoop Earrings, at Marks and Spencers
Hook fastening Drop style Mixed beads

Autograph Oval Mirror, at Mark & Spensers
Freestanding Stainless steel Oval shape Bevelled edges Tilt base with handle - no need to touch the mirror This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Short Sleeve Pintuck Front Bow Top, at MarksandSpencer
This fashionable jersey top features a stylish bow and pintuck detail for a fresh modern look

Collezione Luxury Wool Micro Texture Trousers, at M&S
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

5 Assorted High Rise Full Briefs, at Marks & Spencer
These cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Château Ventenac Élevé en fûts de chêne 2004 - Case of 6, at MarksandSpencer
Style: Full Bodied Grape variety: Syrah, Merlot, Cabernet Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans 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

Linen Blend Leaf Print Tie Top, at Marks and Spencer
This fab short sleeveless top features a stunning leaf print. A vibrant new look, perfect for this season

Autograph Spot Print Corsage Camisole, at Marks and Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Glass Ball Collection - Floor Lamp, at Marks & Spencer
Chrome plated Glass ball detail Square base Cylinder shade H154 x D38cm Bulb: 100W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Jemima Puddleduck Soft Toy, at Marks n Spencer
Suitable for ages 0-3 years Approx 25cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Sony 32GB WALKMAN® MP3 Player, at MarksandSpencer
Digital Noise Cancelling delivers amazing audio fidelity while blocking out external ambient noise (total suppression ratio of 17dB / 98%) Select Noise Cancelling manual settings for bus, plane, train or office to match your environment; or Quiet Mode for any usage S-Master Digital Amplifier for crystal clear sound with no distortion or analogue signal errors - putting you centre-stage in the studio or concert hall Clear Audio Technologies reproduce sound that's as true to the original source as it can be, for a mind-blowing listening experience Clear Stereo and Clear Bass deliver a perfectly precise and clear sound, cutting out audio distortion whatever the volume DSEE restores sound quality lost during file compression, recreating high frequencies as close to the original recording as possible 13.5mm EX earbud headphones for balanced rich sound quality, with unique closed and air-tight fit giving you deeper bass Five band equaliser and VPT to customise music settings Open format support for all major file types includes MP3 / MP4 / WMA / AAC / Linear PCM / AVC / WMV / JPEG 3" full colour OLED touchscreen display for razor-sharp, ultra-bright video playback in incredible detail and clarity (WQVGA 432x240 pixels / 262,144 colours) 32GB storage holds up to 8,000 tracks (128kbps mp3) or over 120 hours video playback (at 384kbps) OLED (Organic Light Emitting Diode) technology for 100% colour reproduction, 10000:1 contrast ratio and wider viewing angles (up to 180 degrees) OLED technology for super-quick response times (0.1ms) - giving you breathtaking results on screen, even with fast-moving action scenes like sports Continuous playback for 33 hours of music and 9 hours of video Hi-speed USB port, and easy charge (3 hours full charge) Music searching by album, artist, genre, release year, playlists and folder Video playback includes scene scroll, to stop and start content using intelligent touchscreen technology Put your own soundtrack to photo playback, and create your own wallpaper using stored images Import, preview and transfer music, photos and videos straight from your computer to your WALKMAN player with Content Transfer software Quick start guide, USB cable, audio input cable and plug adaptor for in-flight use supplied Dual hybrid touchscreen and button operation, for easy control on the move Pre-installed and customisable wallpaper graphics Surf the web with built-in Wi-Fi: On-board connectivity lets you stream YouTube™ clips and podcasts

Autograph Essentials Check Skirt with Wool, at Marks and Spencer
Elegant and feminine, this front wrap check skirt is designed to fit and flatter. Exclusive, luxurious and beautiful

Pure Cotton Cargo Trousers with Belt, at Mark's & Spencer
Relaxed and comfortable, these pure cotton cargos feature a motif detail. A practical easycare style

The Edwardian Lady Calendar, at Marks & Spenser
Approx. size: 225 x 390mm The Country Diary of an Edwardian Lady Rowena Scott (Designs) Ltd RW.UK. Ltd 2008. Licensed by opyrights Group

Velour Hooded Stripe Zip-Up Top, at Marks n Spencer
Stylish and practical, this great looking hooded top is comfortable, easycare and easy to move around in

Curry Bible, at Marks & Spencers
With a huge variety of styles ranging from delicately spiced to hot and fiery, and from mild and creamy to fragrant and aromatic, it is perhaps no surprise that the curry is one of our nation's most popular dishes. Curry Bible aims to show just how simple it can be to create a range of tempting curry dishes from scratch using a combination of freshly ground spices and aromatic herbs. The carefully selected recipes bring together the familiar and the more exotic, and comprise dishes from across India and South East Asia, including Thailand, Malaysia, Indonesia, Vietnam, Sri Lanka and Bangladesh. Curry Bible contains over 95 easy-to-follow, step-by-step recipies, each accompanied by a stunning full-colour photograph of the finished dish. It is the perfect kitchen companion for anyone wishing to extend their culinary repertoire and enter the exciting and colourful world of spice.

Dualit Hand Mixer - Chrome, at Marks and Spencer
300 watt heavy duty professional motor 5 speed settings Chrome mark-resistant finish, with Soft Touch easy grip handle Includes 2 multi-purpose oversize flat beaters, 2 dough hooks and 1 balloon whisk Unique retractable power cord storage Integral plug storage Beater ejector unit Weight: 1.3kg Dimensions: H30 x W20 x D9.5cm 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sleeveless Chambray Shirt Dress, at M & S
Fashionable and modern, this chambray dress features button fastening and a tie waist detail. A flattering, stylish look

Autograph Styled Flock Stripe Thong, at Marks and Spenser
Sophisticated and feminine, this modern thong features a stripe design and skirted sides. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Enchanted Pearl Embroidered Bedset, at M & S
Embroidered bedset Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super King size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Collezione Single Breasted Suedette Rib Jacket, at M & S
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques

Belt Stitched Tote Bag, at Marks and Spencer
Stylish and useful, this tote bag features buckled loop strap detail and a stitch belt design. A practical and fashionable accessory

Artificial Allium in Glass Vase, at Marks & Spencers
Artificial allium Coloured glass vase Height: 69cm, Manufacturer: Marks & Spencer

Craggy Range Single Vineyard Te Kahu 2005 - Case of 6, at Marks & Spencers
Style: Dry, full bodied Grape variety: Merlot and Cabernet Sauvignon Country of origin: New Zealand Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol Alcohol units per bottle 10.5 Alcohol units per 125ml 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sunny Town People Set, at Marks & Spenser
4 sunny town people and dog Promotes imaginative play Suitable for ages 12+ months This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Château Moulin de Canhaut 2004 - Case of 6, at Marks and Spenser
Style: Full bodied Grape variety: Merlot and Cabernet Sauvignon Country of origin: France Closure: Natural cork Suitable for vegetarians 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

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Black, at Marks and Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Pure Cotton Scenic Print Top, at Marks & Spencers
A scenic print makes this soft cotton top extra cute

M+S 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 M+S 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 Mark & Spensers 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 M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.