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 & Spencers are so useful. M&S Money financial products are, of course, designed to make Mark & Spencers 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 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Motor Insurance is not like that at all, and when you compare M&S Motor 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&Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, 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 Motor 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.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but M&S 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 website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money 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 insurance products (Buildings 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 Mark & Spensers insurance products in document format too.

Dasiy Spot Mug, at Mark's & Spencer
Daisy spot design, Manufacturer: Marks & Spencer

Linen Rich Single Breasted 1 Button Pinstripe Jacket, at Marks & Spenser
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions

North Coast Check Print Floral Swim Shorts, at Marks and Spencers
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

Silver Plated Hoop Necklace & Earrings Set, at Marks & Spensers
2 part set Hook fastening drop style earrings Cord design with hoop pendant necklace

Command & Conquer 3: Tiberium Wars PC Game, at Marks and Spencer
March, 2047. A massive nuclear fireball explodes high in the night sky, marking the dramatic beginning to the Third Tiberium War and long-awaited return of the most groundbreaking Real-time Strategy franchise (RTS) of all timeYou must be 16 years of age or over to purchase this product The critically-acclaimed Command & Conquer (C&C) series returns with Command & Conquer 3 Tiberium Wars (C&C 3). Setting the standard for the future of RTS gaming once more, C&C 3 takes you back to where it all began the Tiberium Universe

Kerpow Glow in The Dark Bedset, at Marks & Spenser
Wham pow print Set includes single duvet cover and 1 pillowcase, Manufacturer: Marks & Spencer

M&S 1.5m Gold-Plated Scart Cable, at Marks & Spenser
1.5 metre cable Gold-plated connectors reduce resistance and improve quality 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

Airflex™ Comfort Lace Up Shoe, at Marks & Spenser
Square toe Stitch detail Lace up Eyelets Unique Airflex™ airflow system for unbeatable comfort

Cotton Rich Belted Bootleg Jeans, at Mark & Spensers
Comes with belt shown in image Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit. Specially designed for the petite frame

Cartoon Dog Vroom, Vroom Birthday Card, at Marks & Spenser
Cover text: Vroom, vroom Inside message: King of the road This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

Barton 3-Seater Sofa, at Marks n Spencer
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

Perfect Autograph Weekend Satin Honeycomb Print Chemise, at Marks & Spenser
Luxurious and sophisticated, this modern chemise is part of our exclusive Autograph Weekend collection. It's beautifully designed and detailed with honeycomb print and made from the softest fabrics for the ultimate in comfort

3 Pairs of Spot & Stripe Design Socks, at Marks & Spencers
Get a fabulous, fashionable look with these assorted spot and stripe print socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

Adored Comfort Pansy Lace Non-Padded Bra, at Marks&Spencer
Soft and pretty, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. It's underwired and shaped for an uplifted natural look. Feminine everyday lingerie

Moulded Lace Multiway Bra, at M & S
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Total Support Daisy Full Cup Bra, at Marks & Spencer
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Bright Prints A5 Academic Diary, at Marks & Spencers
1 diary (week to view) Approx size: 21 x 15 cm (including spiral binding)

Per Una Pure Cotton Lace Embellished Top, at Marks and Spencer
A fashionable 3/4 sleeve top in pure soft cotton featuring lace front embellishment and floral design

Autograph Trilby Hat, at Marks and Spencer
Fashionable and fabulous, this trilby hat makes a stylish finishing touch

Bonded Leather Collection - CD Tower, at Mark & Spensers
Holds approximately 70 CDs H92.5 x W23 x D23cm, Manufacturer: Marks & Spencer

2 Piece Pure Cotton Ruched Pinafore Outfit, at Marks and Spencers
A pretty look in pure soft cotton, this coordinated outfit combines a pinafore dress and a short sleeve t-shirt. The ruched front detail adds a modern finishing touch

WowWee™ RS Wrex The Dawg™, at Marks and Spencer
RS Wrex the Dawg's moods (Happy, Angry and Crazy) and desires (Exercise, Call of Nature and Hunger) are expressed by his hilarious "jackpot" eyes! His left eye displays his moods and his right eye displays his desires Change RS Wrex the Dawg's moods via the Mood Dial on the intuitive remote controller, by hitting him on his push button nose to reset his "jackpot" eyes, or allow him to change moods all by himself! Thanks to his junkyard construction, RS Wrex the Dawg occasionally malfunctions. When he begins his "malfunction animation", it is your cue to reset him using the programming hatch. If you do not enter a code in time, he will enter his "Breakdown Mode", and will not be able to do anything until you enter a reset code There are many possible reset codes that you can enter by accessing his reprogramming hatch: try programming him as a cat, or to disobey your commands! You can even re-program him as the original Robosapien™! Capable of performing a number of tricks including offering his paw, playing dead and dancing! You can select the tricks via the Trick Dial on the remote controller. Each of his moods features its own unique set of tricks Features a remote controller that matches his junkyard origins; it allows you to access all of his features and tricks using dials and picture icons! Zips around rapidly on his two hind wheels and two jointed front legs Features swivelling ears, a moving jaw, and a squeaky tail Set him to "Guard Mode" and have him warn you when strangers approach Select the Off the Leash icon from the remote controller's Mood Dial and he will explore your home all on his own! Features a Sleep Mode to conserve battery life Featuring an optional edge detection function, RS Wrex the Dawg will avoid edges and obstacles, and will know when he has been picked up Program a sequence of actions up to 80 steps and he will perform them back flawlessly! RS Wrex the Dawg can "see" in front him; he will react to movements and obstacles in his field of vision! Features an entertaining Demo Mode, in which he shows off his movements and personality! 9 motors 10 eye icon combinations IR sensors Speakers Age: 8+ Dimensions: L33.2 x H24.1 x W33.2 cm Weight: 1.8 KG Batteries: 4x "C" alkaline, 2 x "AA" (remote controller) Batteries not included 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

Autograph Oval Collection - Table Lamp, at Marks and Spencer
Oval shade and base Cylindrical stem Pull switch 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

Track-Snap Chuggington Game, at Marks & Spencers
Suitable for ages 3+ Not suitable for children under 36 months due to small parts that may become detached and present a choking hazard This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Ribbon Tie Mule Slippers, at M&S
Incorporating a round open toe and flat heel, the fuss-free design of these cosy slippers promises great value and even greater comfort for your feet

Pink Fabric Flowers Birthday Card, at Marks and Spencer
Cover text: Happy birthday Inside message: Wishing you a wonderful day Approx. size: 174 x 126mm

Florentyna Foam Bath, at Marks and Spencer
Foam bath with moisturisers 250ml

Floral Reel Glass Vase, at Marks & Spensers
Large opening Floral detail Cut circular design Broad base W26.5 x D26.5 x H38cm, Manufacturer: Marks & Spencer

Cotton Rich Padded Balcony Bra, at Mark & Spencers
Ensure a smart exterior with the sleek shape created by the moulded cups and plunge design of this padded bra. Underwiring and added stretch provide all day comfort and support

5 Older Boys' Pure Cotton Sleeveless Vests, at Marks & Spencer
An outstanding value 5 pack of vests in natural breathable cotton

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 Motor 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; Motor Insurance and Buildings 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 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.