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. M+S Money financial products are, of course, designed to make Mark & Spensers 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.

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

Marks and Spencer 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 and 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 Financial Services 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 Marks and Spencer insurance products in document format too.

Classic Collection Straight Leg Trousers, at Marks and Spencers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Lichfield Wardrobe & 2 Bedside Chests Set, at Marks and Spenser
Wardrobe: H209 x W112 x D60cm Bedside chests: H60 x W50 x D50cm Wardrobe has a full length hanging rail and a half length mirror Bedside chests have 3 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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 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

Lino Print Monkey Age 2 Birthday Card, at Mark & Spencers
Cover text: It's your Birthday Inside message: Happy Birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Stainless Steel Potato Ricer, at Marks & Spencer
Stainless steel, Manufacturer: Marks & Spencer

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

Organic Pinot Grigio 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Pinot Grigio (Pinot Gris) Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Younger Girls' Dora the Explorer Wellie Boots, at Marks and Spencer
Round toe Dora the explorer motif Slogan: Hello butterfly! Hola, mariegold Butterfly and flower print Lined 2005 Viacom International Inc. All Rights Reserved

Hamilton Armchair, at Marks & Spencers
50% reduction on Dakota Leather Espresso applied 21 May - 1 June 2009. 30% reduction on all fabrics applied 9 April - 20 May 2009. Higher prices applied between at least 25 February - 8 April 2009. H95 x W103 x D99cm Seat H49cm, arm H66cm, top back rail 73cm (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 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 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 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

Ultimate Non-Iron Short Sleeve Stripe Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Maternity Ruched Front Bikini Top, at Marks & Spencers
Relaxed and casual, this ruched front bikini top is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Autograph Pomegranate Infusion Sticks, at Marks and Spencer
Pomegranate scented Long lasting infusion sticks, Manufacturer: Marks & Spencer

Petite Straight Leg Jeans, at Mark & Spencers
A wardrobe essential at a great price, these straight leg jeans are outstanding value. Stock up on style!

Lichfield Wardrobe & 2 Bedside Chests Set, at Marks & Spensers
Wardrobe: H209 x W112 x D60cm Bedside chests: H60 x W50 x D50cm Wardrobe has a full length hanging rail and a half length mirror Bedside chests have 3 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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 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

White and Silver Small Honeymoon Photograph Album, at Mark's & Spencer
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33mm Box: H168 x W215 x D40mm

MoDA Flower Bamboo Paper Blank Card, at Marks & Spenser
Cover text: Blank Inside message: Blank for your own message Dimensions: 150 x 150mm Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet!

Younger Boys' Lightening McQueen Slippers, at Mark & Spensers
Round toe Lightning McQueen motif Slip on Flat sole Disney

Pure Linen Bead Hem Detail Skirt, at Mark's & Spencer
Elegant and feminine, this linen skirt is a look you'll love. Stylish, practical and fashionable

Pure Cotton 3/4 Sleeve Stripe Top, at Marks & Spencer
Smart and stylish, this 3/4 length top is made from cool comfortable cotton and features a stripe design

Lace Trim Shorts, at M&S
Great for flattering your form, these comfy shorts are made with a stretchy cotton rich fabric. They're convenient too thanks to an easy care design

Short Angel Sleeve Leaf Print Top, at Marks and Spencer
Pretty and feminine, this short angel sleeve top is made from softly draping stretch viscose for a fluid look. The leaf print adds a fashionable finishing touch.

1 Pair of Gel Pads for Toe Posts, at Marks and Spencers
Ideal for use with flip flops and sandals with toe posts. These comfortable gel pads prevent painful rubbing between toes and on the balls of your feet. The non-slip design gives a secure grip

Mr Brown's Bad Idea Birthday Card, at Marks&Spencer
Cover text: Clearing out the shed was a bad idea... ...the clutter was the only thing holding the roof up! Inside message: Happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

Classic Coated Leather Square Buckle Belt, at M+S
Fashionable and practical, this leather belt adds a stylish finishing touch

3 Older Girls' Cotton Rich Frill Trim Bikini Briefs, at Marks & Spenser
Cute and trendy, this 3 pack of cotton rich bikini briefs feature frill trim and assorted designs

Girls' Limited 3 Piece Printed Outfit, at Marks & Spencer
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

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

Chevron Dart Wide Leg Trousers, at Marks and Spencer
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. Practical and fashionable, they make a great choice for work or smart occasions

Short Sleeve Stripe Print Blouse, at MarksandSpencer
This stripe print blouse has a stylish tie sleeve feature. A key fashion essential this season

Older Girls' Snowflake Print Wellie Boots, at Marks and Spencer
Wellie style Round toe Snowflake print Low heel Buckle fastening Lined

M&S 1200 DECT Digital Cordless Phone, at Marks and Spenser
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security 3 line display 40 name and number phonebook Up to 8 hours talk time and up to 80 hours standby Caller display stores information on the last 20 calls 8 ringer melodies Last 10 number redial Adjustable ringer and earpiece volume Call duration display 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

Besides Marks & Spencer Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Home 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 Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Home Insurance and Standard Home 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.