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's & Spencer are so useful. M&S Money financial products are, of course, designed to make Marks & Spenser 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 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 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencers 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 n 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 Direct, you get more, and you pay less.

Per Una Lace Front Brazilian Knickers, at M & S
Feminine and delicate, these stylish brazilians briefs feature a delicate front panel in soft stretch lace. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

DeLonghi EC710 Espresso Coffee Maker, at Marks & Spencer
Exclusive stainless steel body pumped espresso machine High performance 15 bar pump pressure ensures best tasting espresso / cappuccino with no limit to the number of cups produced 1.3 litre removable water reservoir with water level indicator Stainless steel espresso boiler for longer life ''Cappuccino System'' mixes steam, air and milk, producing a rich, creamy froth for a great cappuccino Comes with two filter holders, a new 'never fail' crema filter holder for normal ground coffee, the other for the 'easy serving espresso' pods and free Illy pods Self-priming system means the machine is always ready for use Separate steam and espresso thermostats Active cup warmer Accessories storage for a tidier kitchen Incorporated coffee tamper On/off switch with indicator light 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 Light Control Guipure Waist Cincher, at Marks and Spencer
This waist cincher gives total body definition, shaping your tummy, waist and bottom with the flexibility of wearing your own bra. It's comfortable, breathable and easy to move around in, and the special finish keeps you cool and dry. Beautiful exclusive lingerie

Fuzzy Teddy in a Flowerpot Sister Birthday Card, at Marks and Spencer
Cover Text: To a very special Sister who's always full of fun! Hoping that your Birthday is a really special one... xxx Inside message: Have a lovely day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150 mm

Emily Chair, at Marks & Spencer
H100 x W80 x D103cm Seat H40cm, arm H53cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam 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 Solid birch feet with a natural finish 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

5 Older Girls' Pure Cotton Heart Print Shorts, at Marks and Spenser
Cute and trendy, this pack of 5 cotton shorts makes a great way to stock up on essential style

Autograph Cotton Rich Long Sleeve Fine Stripe Shirt, at Mark's & 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

Adventurer 450 Two-Way Radios, at Marks and Spenser
TRUSOUND - pioneering noise reduction technology delivering enhanced sound quality Easy to hold rubberised grip Ultra compact size Range up to 2 miles (3km) depending on environment and terrain Up to 304 channel combinations Dual desktop charger pod Rechargeable batteries VOX technology - handsfree conversations Backlit screen 5 call tone melodies selection Dimensions: W4.5 x L8 x D3.1cm 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

Fairtrade Rose Bouquet, at Mark & Spensers
Internet Exclusive Our beautiful Fairtrade certified bouquet features vibrant yellow and cream spray roses and a selection of tree ferns and lavender Fairtrade Certified Flowers Available for delivery from 1st April to 30th September 2009

Frill Detail V-Neck Swimsuit, at Marks and Spencer
Look slimmer in seconds! This comfortable swimsuit is made with a control panel to make tummies look flatter. Secret Support™ shapes, lifts and enhances your bust. A stylish, flattering look.

Lurton La Chapelle 2006 - Case of 6, at Marks and Spencer
Style: Medium bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Signature Grapefruit & Ginger Burner & Refresher Oil, at Mark & Spencers
Grapefruit and ginger fragrance 15ml, Manufacturer: Marks & Spencer

Per Una Lace Body Jersey Top with Camisole, at Marks & Spensers
A gorgeous lace body jersey top with camisole featuring embroidered neckline trim and three button detail

New Autograph Dogtooth Design Cardigan, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

5 Pairs of Younger Girls' Sparkle Stripe Socks, at M & S
Stock up on stylish essentials with this pack of 5 sparkle detail socks

5 Pairs of Ribbed Tip Toe Sports Socks with Cool&Fresh, at Marks and Spencers
These cotton rich sports socks feature a cushioning sole for shock absorption and comfort. Knitted arch support keeps them in place during exercise

Graphic 30th Birthday Card, at Marks & Spensers
Approx. size: 150 x 150 mm Cover text: 30 happy birthday Inside message: Wishing you a great day

Pavilion 16-Piece Cutlery Set, at Marks & Spencer
16-piece set Includes 4 knives, 4 forks, 4 spoons and 4 teaspoons 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bloomin Marvellous with 50% More Roses, at Marks and Spencers
50% more roses when ordering this bouquet for delivery between 21st August to 5th September 2009 This pastel-striped gift bag is packed with a superb selection of roses, chrysanthemums, Asiatic lilies, carnations and hypericum berries Available for delivery from 1st April to 30th September 2009

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

Cream Floral and Polka Dot Place Cards - Pack of Ten, at Marks & Spensers
10 cards, 1 design Flat: 90 x 90 mm Folded: 45 x 90 mm

Satin Spot Print Shirt with Belt, at Mark & Spencers
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Luxury Mattress - Medium, at Marks & Spencer
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Spring count: 2200 Independently pocketed springs in two layers Lambs wool, cotton and loose hair filling Cotton-felt provides a soft-surface with wool holds fillings in place Hand-stitched sides support mattress wall and extend sleeping area Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Classic Collection Sleeveless Scallop Trim Nightdress, at Marks and Spenser
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty floral embroidered details

Large Oval Collar Necklace, at Marks & Spencer
Clasp fastening Adjustable length Large bead design Necklace length 41cm, extendable by 8cm

Pure Cotton Transformers Pyjamas, at Marks and Spencers
A must for fans of Transformers these pyjamas feature Optimus Prime

Per Una Pinstripe Hitched Skirt, at Marks and Spenser
A fashionable pinstripe print skirt in soft cotton blend, the hitch up detail gives it the Per Una touch

Ceriso Spot Print Frill Trim Bikini Knickers, at Marks and Spencers
Fab and funky, these modern bikinis featurespot print and a bow detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

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.

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

Besides Marks and Spenser Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Buildings Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spenser purchases are also protected while you take them home.

Also, on both M&S Money Premier Buildings Insurance and Standard Buildings Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.