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 Spencers are so useful. M+S Money financial products are, of course, designed to make M & S 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.

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but Marks & Spencer 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 Finance 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 Home 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 (Home 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 Mark & Spensers insurance products in document format too.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Mark's & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days M&S, through its M+S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Pure Cotton Cargo Shorts, at Marks and Spenser
Comes with belt shown in image A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature multiple pockets. A fashionable, easycare style

Autograph Styled Flock Stripe Thong, at Mark & Spencers
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

3 Geometric Print Handkerchiefs, at Marks n Spencer
A great value pack of pure cotton handkerchiefs

2 Angle Scallop Trim First Bras, at Marks n Spencer
These great value bras are ideal for everyday wear. They're made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Pure Cotton Stripe Knitted Dress & Tights Outfit, at Mark's & Spencer
Fashionable and practical, this cute knitted dress and tights 2 piece outfit features stripe design. It's made from soft cotton fabric to keep her comfortable and happy

Portfolio Large Leather Purse, at Marks and Spencer
This stylish purse is made from real leather with reinforced stitching and a secure zip fastening. A high quality and chic essential

Per Una Forest Stripe Tankini Briefs, at Mark's & Spencer
Striking high rise tankini briefs featuring a stripe design and high leg. Make a splash!

Marble Swirl-Effect Candy Floss Bowl, at M&S
Swirl effect Opaque design Round shape Soda glass H5.5 x Diam29cm Weight: 0.95kg, Manufacturer: Marks & Spencer

Luxury Non-Iron Pure Cotton Stripe Shirt, at Marks and Spencer
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Pure Wool Single Breasted 2 Button Plain Jacket, at M & S
Don't sacrifice style for comfort this summer. This Pure Wool jacket is specially designed for the warmer months. It's made with a lighter weight fabric, has a softer feel and it features an antibacterial body lining to help keep you feeling fresh

Flowers by Post - 10 Longiflorum Lilies, at Mark & Spencers
Classically elegant, these beautiful lilies give long-lasting beauty and fragrance. Flowers by Post is a great value way to spoil someone you know - or yourself

In Bloom Lime Blossom & Bergamot Eau de Toilette, at Marks & Spencer
Eau de Toilette 100ml This product is not available for international delivery. Find out more

Bright Kittens Multipack of Mini Cards, at Marks & Spenser
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Florentyna Body Spray, at Marks & Spenser
Shake well, hold upright and press firmly to spray lightly over the body after bathing or showering Do not spray near eyes, on face or onto sore or broken skin Discontinue use if irritation occurs 100 ml This product is not available for international delivery. Find out more

Leaf & Buds Cushion, at Marks & Spencer
Square shape Leaf print L50 x W50cm, Manufacturer: Marks & Spencer

3/4 Sleeve Knitted Mock Layer Cardigan with Linen, at M & S
Modern and stylish, this cardigan features a ring fastening. Ideal for layering

Kitchens Shopping List, at Marks and Spencers
1 magnetic shopping list (approx. 30 sheets of paper) 1 black ink pen (non refillable) Approx. size: 135 x 255mm

125 Years Luxury Wool Rich Flat Front Trousers with Cashmere, at Marks & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Samsung 42" PS42B451 HD Plasma TV, at Marks & Spencer
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-Ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 42 inch Widescreen plasma TV with 1024 x 768 pixels Contrast Ratios: Dynamic Contrast 30000:1 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: W1055.5 x H721 x W316mm (with stand) W1055.5 x H660 x D74mm (without stand) Weight: 27.8kg (with stand) 24.1kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 3 x HDMI, PC input (D-sub), PC Audio Input (Mini Jack), DVI Audio Input (Mini Jack), Component (Y/Pb/Pr), Digital Audio (Optical), RF Input, Audio Out (L/R), CI slot, Composite (AV) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control FilterBright Panel FilterBright is a powerful anti-reflective film that absorbs external light and transmits internal light, thereby increasing the contrast levels and preventing unwanted reflection. In bright daylight, FilterBright creates high contrast with pure black to show clearer image details and generate superb industry-leading dark area representation 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: 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 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Champagne Flutes Engagement Card, at Marks and Spencer
Cover text: On Your Engagement Inside message: With Love Approx. size: 178 mm x 126 mm FSC: This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Long Assorted Bead Necklace, at Marks&Spencer
Clasp fastening Adjustable length Assorted bead design Length: 104cm Extender: 8cm

Adjustable Braces, at Marks & Spencers
Add a smart finishing touch with these stylish adjustable braces

Autograph Eau de Toilette, at Marks & Spenser
100ml This product is not available for international delivery. Find out more

7 Pairs of FreshFeet Stripe Socks with Silver Technology, at Marks & Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Baby Girl Shelf New Baby Card, at Marks and Spencer
Cover text: Baby girl Inside message: With love Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Per Una Wool Blend Single Breasted 3 Button Jacket, at Marks and Spencers
A fashionable single breasted jacket in soft wool blend fabric featuring three button fastening

V-Neck Plain Jumper, at Marks and Spencer
Soft and comfy, this warm knitted plain jumper is outstanding value. A fashionable easycare style

Pure Cotton Quick Iron Button Down Check Shirt, at Mark's & Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Paradiso Sauvignon Blanc 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Natural cork Bottle: 12 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

Cotton Rich Stripe Low Rise Shorts, at Marks & Spenser
Low rise shorts are perfect for wearing with hipster styles and these cute stripe design shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

There are lots of ways to save money using M+S Money. Not least of these is Marks and Spencer 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 Spencer, 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.