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

M&S Finance 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 Finance 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 n 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

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

Whether you're looking for savings products or M&S Finance loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Finance 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 Finance 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 Marks and Spencer insurance products in document format too.

°Climate Control All Seasons Mattress Protector, at Marks & Spensers
Absorbs body heat, releasing when your body needs it Fleece reverse Made using Outlast technology, originally designed for NASA Moisture management technology, Manufacturer: Marks & Spencer

Pure Cotton Jaquard Leaf Runner, at Marks & Spensers
Floral design Jaquard detail Dimensions: 34cm x 230 cm, Manufacturer: Marks & Spencer

Cotton Buckle Belt, at Marks and Spencer
This cotton buckle belt is ideal for wearing with your favourite summer shorts or jeans

3 Non-Iron Short Sleeve Shirts, at Marks and Spencers
This pack of 3 shirts is great value. They're a convenient and practical choice too - easycare and non-iron to save you time

Autograph Leather Hip Wallet, at Marks & Spencer
Smart, stylish and practical, this leather hip wallet makes it easy to organise cards and notes

Barletta 2 Seater Sofa AU09 Newness, at Marks & Spenser
Manufacturer: Marks & Spencer

Per Una Ombre Print Dress, at Marks & Spencer
A gorgeous ombre print dress featuring a ruched front

Beaded 65th Birthday Card, at Marks n Spencer
Cover text: 65 Today Inside message: Happy Birthday Approx size: 178 mm x 125 mm

Natural Wool Duvet, at Mark & Spensers
Naturally breathable Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super kingsize (6ft), Manufacturer: Marks & Spencer

Gathered Front Cover Up Beach Dress, at Marks and Spencers
Fabulously fashionable, this flattering cover up dress is designed in the latest shape. A stylish modern look

Per Una Animal Bead Rope Necklace, at Marks & Spencer
Rope necklace Mixed animal print bead design Necklace length: 49cm

Portfolio 2 Tone Wide Leg Trousers with Linen, at Marks & Spencers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Ashton Bedstead, at Marks & Spenser
Headboard: H111.5cm Endboard: H69cm Underbed: H28cm Single: L201 x W101cm Double (4ft 6''): L201 x W147cm King size (5ft): L201 x W162cm Mattress sold separately Made from solid poplar and rubberwood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size 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

Ceriso Styled Floral Embroidered Thong, at Mark's & Spencer
Elegant and stylish, this modern thong features floral embroidery and a lace trim. It fits and drapes beautifully and feels blissfully comfortable to wear. Feminine everyday lingerie

Robbie The Racing Car Book, at Marks & Spencers
Build the jigsaw track, wind Robbie up and watch him go ! This fun storybook has lots of things to spot, plus an amazing press-out jigsaw track and a wind-up car to play with

Little Oxford English Reference Set, at Marks and Spencer
The Oxford English reference set is the perfect package to help them ace their essays and to prepare for their next exam

Champagne 90th Birthday Card, at Marks & Spencer
Cover text: 90 Happy Birthday Inside message: Have a wonderful day! Approx size: Unfolded: 175 mm x 125 mm

ARCHOS 5 Internet Media Tablet 60GB, at Mark's & Spencer
Internet: Full web browsing, full email application, web TV, web radio, widgets application Plays: Videos, music, photos, games and stream content from your PC TV: Record from TV (with optional dock), play content and surf the web on your TV through the ARCHOS 5 Display: 4.8'' TFT LCD high resolution screen, 800x480 pixels, 16 million colors Touch screen: Direct by touch screen, ON/OFF, vol+ and vol- buttons Video playback: MPEG-42 (ASP@L5 AVI, up to DVD resolution), WMV (MP@ML, up to DVD resolution) included WMV protected files and M-JPEG (in QVGA resolution) Video recording: Via the optional DVR Station or DVR Snap-on. Records NTSC/PAL/SECAM in MPEG-4 AVI format with stereo sound, VGA resolution (640 x 480) @ 30 or 25 f/s Audio playback: Stereo MP3 decoding @ 30-320 Kbits/s CBR & VBR, WMA, Protected WMA, WMA pro 5.1, WAV (PCM/ADPCM), AC3 stereo audio and 5.1 sound files (via SPDIF output of DVR Station) and Flac and OGG Vorbis audio files Audio recording: Via the optional DVR Station or DVR Snap-on: Stereo line-in, WAV (IMA ADPCM or PCM) format. Voice recording via the optional FM remote and its built-in microphone in WAV format (IMA ADPCM) Photo viewer: JPEG, BMP, PNG, GIF Memory: 60 GB (stores up to 80 Movies, 600,000 photos or 30,000 songs) Connectivity: On board WiFi (802.11 b/g), USB 2.0 host with optional accessories PC accessories: Possible attachment of numerous standard USB PC accessories (keyboard, mouse, memory key, memory cards reader, camera) Connections: WiFi, 3.5 mm mini jack and Accessory connectors to connect to the DVR Station and other ARCHOS accessories Battery life: Music playback up to 22 hours, video playback up to 7 hours Dimensions: Approx 12.7 x 7.8 x 1.3cm Weight: 250g Package includes: ARCHOS 5, headphones, ARCHOS USB cable, DVR Station adapter, screen cleaning cloth, Quick Start Guide (QSG), legal and safety notice

Pure Cotton Stripe Rib Runner, at Marks & Spencers
Stripe design Dimensions: 33cm x 230 cm, Manufacturer: Marks & Spencer

Silver Plated Tiered Heart Necklace & Earring Set, at Marks and Spencer
2 part set Hoop fastening earrings Clasp fastening necklace with adjustable length Tiered heart design

Mini Limited Pure Cotton Short Sleeve Corsage Top, at Marks & Spenser
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Pure Linen Origami Tunic, at Marks & Spencer
This cool, pure linen tunic is fantastically versatile. Smart enough for any occasion, it also works brilliantly thrown over a swimsuit on the beach

2 Limited Collection Cotton Rich Low Rise Shorts, at Marks & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Sterling Silver Loop Bangle Bracelet, at Marks and Spencer
Loop fastening Plain Sterling silver This product is not available for international delivery. Find out more

Short Sleeve Mimosa Leaf Print Top, at Marks & Spencers
Smart and stylish, this scoop neck top features a stunning mimosa leaf print. A vibrant new look, perfect for this season

Handcrafted Woven Label Valentine Card, at Marks&Spencer
Cover text: With love Inside message: On Valentine's Day 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

Blue Harbour Short Sleeve Check Shirt, at Marks n Spencer
Stylishly smart casual, this comfortable check shirt looks great dressed up or down

Blue Harbour Short Sleeve Geo Print Shirt, at Mark & Spencers
Relaxed and casual, this Blue Harbour geo print shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Pure Cotton Embroidered Owl Booties, at Marks & Spencers
Cute and comfy, these practical booties feature an embroidered owl design. A soft stretchy cuff keeps them on securely

Fina Sangre 2006 - Case of 6, at Mark & Spensers
Style: Full bodied Grape Variety: Cabernet Sauvignon, Carmenre and Syrah Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

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

• M&S Insurance: M&S Motor 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 and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

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