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

Marks & Spencers 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 MarksandSpencer 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 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 M&S Money loans, credit cards or Buildings & Contents 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 & 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 Spencer insurance products in document format too.

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

Cotton Rich Round Neck T-Shirt, at Marks n Spencer
This longer length short sleeved t-shirt will make a useful addition to your wardrobe. Great for layering or wearing on its own

Antigua Armchair, at Mark's & Spencer
H97 x W98 x D98cm Seat H52cm, arm H67cm, top back rail H78cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Cushion covers are removable on this range 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 Wooden feet wrapped with rattan 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 service: 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Fairtrade Pure Cotton Scoop Neck Top, at Mark's & Spencer
This stylish short sleeve top is a good deal for you and for our Fairtrade farmers. It's made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

Pure Cotton Faux Fur Hooded Top, at Marks & Spenser
Relaxed and casual, this comfortable faux fur hooded top is made from pure cotton and features a contrast stitch detail. A great value easycare style.

Long Beach Sweetie Necklace, at Marks & Spencers
Assorted beads Long length Clasp fastening Necklace length: 101cm

Puzz-Doku 150 Piece Jigsaw, at Marks and Spenser
Number of jigsaw pieces: 150 Approx. size of completed puzzle: 300 x 210mm This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

First Readers Beauty and the Beast, at Mark's & Spencer
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Sprung-Edge Non-Storage Divan & Autograph M500 Mattress - Medium, at Marks&Spencer
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Autograph Long Sleeve Curve Waist Shirt, at Marks & Spencer
Feminine and elegant, this curve waist shirt is beautifully designed and cut for a flattering shape and features a contemporary pleat and pintuck detail

Gold Plated Tear Drop Earrings, at Marks and Spencer
Tear drop design Drop style Hook fastening This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Per Una St. Ives Floral Panel Skirt, at Marks&Spencer
A pretty knee length skirt in lightweight cotton mix fabric featuring a floral print and flared design

Autograph Pure Cotton Bold Stripe Shirt, at Marks & Spencer
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

Vienna Chair, at Marks & Spenser
H96 x W74 x D81cm Seat H31cm, arm H58cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with fixed foam Solid birch feet and frame with an antique brown finish 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 All of our fabrics are treated with Stain-Defence& trade; - 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 service: 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Chrome Glass Stack Floor Lamp with Fabric Shade, at Marks & Spensers
Cylinder fabric shade Stacked glass cylinder detail Chrome plated Round base Dimensions: H 161 x Diam 40cm Bulb: 100W GLS or 21W CFL, Manufacturer: Marks & Spencer

5 Pairs of °Climate Control Plain Briefs, at Marks & Spenser
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Pure Cotton 3D Applique Cushion, at M & S
Square cushion 3D rose design L43 x W43cm 100% cotton sateen cushion 300 thread count, Manufacturer: Marks & Spencer

Stormwear™ Long Sleeve Hooded Parka, at Marks and Spencer
Fashionable and practical, this cosy jacket is warmly padded and lined with fleece. It's treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Forest Heart Cluster Necklace, at Marks and Spenser
Tie fastening Multiple bead design

Classic Collection 3/4 Sleeve Poly Print Blouse, at Marks & Spencers
Smart and stylish, this poly print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Ultimate Brain Puzzle Book, at Marks & Spencer
Flex your brain power with this Ultimate Brain Puzzle Book. It features 700 brain training exercise and includes a pen too

100 Cotton Balls, at Marks and Spencer
Pack of 100

Tiga Nested Coffee Tables & Side Table Set, at Marks and Spenser
3 piece set Coffee table: H45 x L140 x D46cm (largest) Side table: H46 x W46 x D46cm Made from sheesam wood Finished with a protective matt lacquer for added durability Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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

Trophy Exam Congratulations Card, at Marks & Spencers
Cover text: You star! ... Exam congratulations! ... Congratulations! ... Congratulations! ... Congratulations! ... Congratulations! ... Congratulations! Inside message: Congratulations! Approx size: Unfolded: 174 x 126mm

Machine Washable Flat Front Stripe Trousers, at Mark & Spencers
aspirational copy

Handcrafted Dotty in Paris Valentine Card, at M & S
Cover text: To my darling Valentine Inside message: Ooh! La la! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 178 x 127mm

Gold Plated Multi Strand Treasure Bead Necklace, at Marks & Spencers
Clasp fastening Adjustable length Multi strand Mixed bead design Necklace length 41cm, extendable by 8cm

Collezione Pure Silk Multi Stripe Tie, at Marks and Spenser
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Collezione Luxury Wool Rich Flat Front Trousers, at Mark & Spencers
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. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Pure Cotton 'Check Me Out' Mock Layer T-Shirt, at Marks & Spencer
Soft and comfy, this pure cotton t-shirt is outstanding value. It features a mock layer design and 'Check Me Out' slogan. Fashionable and practical

Murphy's Contemporary Selection Reds & Whites - Case of 12, at Mark & Spencers
1 Chateau Darzac Reserve 2008: A subtle, unoaked white wine from Bordeaux that is youthful and refreshing... 1 Castello d'Alba White 2008: A stylish, full-flavoured white from Portugal's Douro Valley. Traditional Portuguese varieties have been used to create a highly individual wine with layers of flavour that include red apple, wild herbs, toasted almonds and mixed spice... 2 Willowbank Semillon Chardonnay 2007: A refreshing and intensely fruity white that is perfect for everyday drinking... 2 Beau Moulin Blanc 2008: A bright and crisp, unoaked white wine from a blend of traditional grapes grown in the sunny vineyards of the Languedoc... 1 Domaine du Donjon des Dames, Plan de Dieu 2007: A full-bodied and densely textured red from the Southern Rhne which combines rich, plum fruit flavours with an attractive note of savoury spice... 1 Castello d'Alba Red 2007: Ripe and velvety, this is a lightly oaked Douro red that is beautifully crafted and offers superb value for money... 2 De Bortoli Willowbank Shiraz 2007: warm-fruited, creamy-textured Shiraz from Australia. This wine is all about soft, rounded flavours of cherry, mint and chocolate, together with a gently warming finish... 2 Beau Moulin Rouge 2008: An intensely fruity, unoaked red wine that is bursting with flavours of black cherry, blueberry and wild herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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 Marks & Spencers 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.