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

Mark's & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home 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 Marks & Spencers Money 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 Marks & Spencers Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (Home 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 & Spencers insurance products in document format too.

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spenser Standard Motor Insurance. With Marks & Spencers Money you can keep the cost of your Motor 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 Motor Insurance cover from Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spensers, 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 Motor Insurance from M&S Financial Services, you get more, and you pay less.

3 Pairs Of Trainer Socks, at Marks & Spenser
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, superior shape retention and durability

2 Machine Washable Floral Pattern Ties, at Marks and Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

3 Enamel Diamanté Photo Frames 5 x 7.5cm (2 x 3''), at Marks & Spencers
Set of 3 assorted shapes: circle, rectangle and square Diamant detail, Manufacturer: Marks & Spencer

Cotton Rich Micro Spot Summer Trilby, at Marks and Spenser
This season's hottest hat is the trilby, making this example the perfect way to get the look. It's stylishly detailed with contrast trim detail and looks fantastic with this season's styles

Per Una Short Sleeve Cardigan with Stripe Top, at Marks and Spenser
A modern knitted cardigan in a soft wool blend featuring a tie waist belt and stripe knitted top

Stainless Steel Milk Jug, at Marks and Spencer
Stainless steel Single handle Pouring spout, Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Bold Stripe Shirt, at Marks and Spenser
This luxurious shirt is part of our exclusive Autograph collection. It's fine quality and careful attention to detail make it a superior and stylish modern classic

2 Bali Paper Loom Weave Dining Chairs, at Marks and Spencers
H104 x W50 x D64cm Seat H43cm Sold as a pair Mango wood frame with cushioned seat This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Salt & Pepper Mill Duo, at Marks & Spencer
2 in 1 salt and pepper mill Colour coded ceramic mechanism Turns anti-clockwise for salt and clockwise for pepper Dual grind slectors for corse or fine grind Approx size: L8.4 x W8.4 x H16.6cm, Manufacturer: Marks & Spencer

Autograph Chrome Desk Lamp, at Marks & Spencer
Classic design Adjustable arm Chrome plated finish Round base, Manufacturer: Marks & Spencer

Maternity Long Sleeve Empire Cardigan, at Mark's & Spencer
Fashionable and modern, this long sleeve cardigan is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. A practical, versatile choice

5 Pure Cotton Slips, at Marks & Spencers
The soft, easy to care for qualities of pure cotton means these comfy slips are a fantastic option for day to day wear

Per Una Textured Stripe Thongs, at Marks&Spencer
Elegant and feminine, this stylish thong features a textured stripe design and is finished with lace and a bow. The high leg style gives a close, figure-flattering fit. Pretty everyday fashion

Enamel Diamanté Photo Frame 25 x 20cm (8 x 10"), at Marks and Spenser
Diamant flower detail Metallic trim Aperature 20 x 25cm (8 x 10 in), Manufacturer: Marks & Spencer

Leather Contrast Stitch Lace-Up Trainers, at Marks & Spensers
Round toe Contrast stitch detail Lace-up Flat sole

Perfect Autograph Weekend Modal Rich Pyjama Bottoms, at MarksandSpencer
Modern and sophisticated, these drawstring pyjama bottoms are part of our exclusive Autograph Weekend collection. They're beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Football Pitch Son Birthday Card, at Marks and Spencer
Cover text: Happy birthday "It's in the net!" Son Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Autograph Pure Cashmere Stripe Hooded Cardigan, at Marks and Spencers
Soft and snuggly, this practical pure cashmere hooded cardigan will keep her feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Limited Collection Pure Silk Floral Print Top, at Marks & Spenser
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Pure Cotton Checked Crop Pyjama Bottoms, at Marks and Spencer
Pretty and feminine, these cropped pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Compaq Presario SR5707UK-M Desktop PC Bundle, at Marks & Spencer
Operating system:Genuine Windows Vista Home Premium 32-bit Processor:Intel Celeron Dual Core processor E1400, Intel G31 express chipset Memory:2GB DDR2-SDRAM, 2 DIMM sockets Storage:320GB SATA 3G Hard Disk Drive (7200 rpm), Up to 13GB partition for system recovery DVD writer SATA DVD RAM and Double Layer supporting LightScribe technology, Create silkscreen-quality disc labels direct from your PC with LightScribe: Just burn, flip, burn 15 in 1 memory card reader Communication:Ethernet 10/100BT integrated network interface Video:Intel Graphic Media Accelerator 3100, Integrated Graphics (VGA port) 128 MB dedicated memory, up to 287 MB total available graphics memory as allocated by Windows Vista Sound:High Definition Audio 5.1 (2 front audio ports, 3 rear analog audio ports) Included accessories:PS/2 keyboard and optical mouse Optional accessories:LCD Monitors (buy separately): Compaq WF1907v 19-inch Wide Flat Panel Monitor, Compaq W220q 22-inch Wide Flat Panel Monitor Ports and Expandability: 2 external optical drive bays, 1 internal HDD bay, 1 PCI-Express 16x (free), 1 PCI (1 free) and 2 PCI-Express 1x (2 free), 6 USB 2.0 ports (2 in front) Software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer 7.0, Windows Mail, Adobe Reader 8.0 HP MediaSmart Suite: Music, Video, DVD, Photo, HP Total Care Advisor, Photosmart Essential, Windows Photo Gallery, Windows Media Player, Windows Movie Maker, Windows DVD Maker, Cyberlink DVDSuite, Muvee AutoProducer, EasyBits Magic Desktop, HP Games Console with hours of free game play, featuring EA Spore Creature Creator, Windows Media Center Service and Support:Recovery partition (including possibility to recover system, applications and drivers separately) Optional re-allocation of recovery partition Recovery CD/DVD creation tool Symantec Norton Internet Security 2009 (60 days live update) Weight:9.53 kg, packed: 14 kg Dimensions:16.9 x 42.6 x 37.7cm Warranty: 1 year, pick-up and return, parts and labour You can expand the warranty coverage of your product up to 3 years

Girls' Limited Stripe Dress, at Marks and Spenser
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Per Una Floral Sandals, at Marks & Spencer
Floral detail Buckle fastening Thong style Flat sole Comes in sizes 3-8, including half sizes

Mosaic Bathmats, at Marks & Spencers
Mosaic pattern Cotton mats Bathmat dimensions: L80 x W60cm Pedestal mat dimensions: L55 x W50cm Bath mat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

M&S Café Torino, at Marks and Spencer
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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

Pure Silk Abstract Print Lightweight Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk abstract print scarf. The perfect accessory to this season's styles

3 Pure Cotton Assorted Woven Boxers, at M&S
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Stormwear™ Multi Pocket Hooded Parka, at Marks and Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves and inside pockets keep lunch money safe

Best-Loved Plants Book, at Mark's & Spencer
A beautiful range of 5 gardening titles, full of inspiring ideas and tips both for the novice and more experienced gardener. From pots and small backyards to larger gardens, feel confident in choosing the right flowers and shrubs for the right place all year round! Packed full of wonderful colour photography, these books will prepare and motivate you to garden.

Per Una 3/4 Sleeve Pintuck Top, at Marks and Spencer
A feminine 3/4 sleeve top featuring pintuck and ruffle detail

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