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 & Spencer are so useful. Marks & Spencer Money 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Spencer Money Buildings & Contents 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 & Spencer Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencer Money 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 Marks & Spencer Money 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 Mark's & 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's:

• 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

De Saint Gall Rosé Brut - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Chardonnay, Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Plain Crook Umbrella, at Marks & Spencer
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

Collezione Wool Rich Single Breasted 2 Button Plain Jacket, at Mark & Spensers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Autograph Pure Silk Plain Tie, at Marks and Spencers
Add a luxurious finishing touch with this pure silk tie

Per Una Speziale Palette, at Marks & Spenser
Hypoallergenic Applicators included

4 Maxim Tall Tumblers, at Marks & Spenser
Pack of 4 H14cm 35cl, Manufacturer: Marks & Spencer

Autograph Luxury Pure Cotton Hotel Towel Collection & Bathmat, at Marks and Spencer
Luxurious 800gsm towels made from the finest combed cotton Hand: L100 x W50cm Face: L33 x W33cm Bath: L140 x W68cm XL Bath: L180 x W89cm Bathmat: L80 x W50cm, Manufacturer: Marks & Spencer

Per Una Embroidered Jersey Top with Camisole, at Marks & Spensers
A gorgeous jersey top with camisole featuring an embroidered neckline and diamonte button detail

PlayStation®2 The Sims™ 2 Castaway Game, at Marks & Spensers
Explore caves, beaches, jungles and even a volcano Design and create items from the island's natural materials Discover the island's many secrets You must be 12 years of age or over to purchase this product 2007 Sony Computer Entertainment Europe. 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, ESRB Rating: Kids to Adults

Pure Cotton Varied Stripe Cardigan, at Marks and Spenser
Soft and comfy, this long sleeve cardgian is made from pure cotton and features a varied stripe design. A fashionable easycare style

Hastings 6-Drawer Chest, at Marks & Spencer
H137 x W54 x D44cm 6 drawers Crafted predominantly from solid pine and fibreboard 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Non-Iron Plain Table Cloth, at Marks & Spensers
Plain design 177 x 274cm, Manufacturer: Marks & Spencer

Happy Birthday Brother Card, at Marks and Spencers
Cover text reads: Happy birthday brother Inside message: Have a fantastic day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Limited Collection Chiffon Sleeve Crochet Shrug, 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

Craggy Range Single Vineyard Te Kahu 2005 - Case of 6, at Marks and Spencer
Style: Dry, full bodied Grape variety: Merlot and Cabernet Sauvignon Country of origin: New Zealand Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol Alcohol units per bottle 10.5 Alcohol units per 125ml 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Wedding Garter, at Mark's & Spencer
1 x garter Approx size: Un-stretched: 340mm circumference Approx size: Fully stretched: 660mm circumference

Older Boys' Transformers Belt, at Marks & Spencer
Fashionable and practical, this square buckle transformer belt adds a stylish finishing touch

Autograph Straight Leg Jeans, at Marks & Spenser
Aim for a must-have retro inspired look with the sandblasted wash and stylish whiskering of these contemporary five pocket jeans. Step out in style by teaming them with a slim cut blazer and pinstripe shirt

Plush Noisy Plane Toy, at Marks and Spencer
Plush toy Brightly coloured soft bus Textured fabric wings Realistic sound This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Command & Conquer 3: Tiberium Wars PC Game, at Marks & Spencers
March, 2047. A massive nuclear fireball explodes high in the night sky, marking the dramatic beginning to the Third Tiberium War and long-awaited return of the most groundbreaking Real-time Strategy franchise (RTS) of all timeYou must be 16 years of age or over to purchase this product The critically-acclaimed Command & Conquer (C&C) series returns with Command & Conquer 3 Tiberium Wars (C&C 3). Setting the standard for the future of RTS gaming once more, C&C 3 takes you back to where it all began the Tiberium Universe

Cut Flowers Scented Spheres, at Marks & Spencer
Cut flowers scented spheres, Manufacturer: Marks & Spencer

Abbey View Reserve Shiraz 2005 - Case of 12, at Marks & Spencers
Style: Dry Grape Variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 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

Handcrafted Classic Text Mother's Day, at Marks & Spencer
Cover text: Happy Mother's Day Inside message: With love Approx size: Unfolded: 150 x 150mm

Autograph Addison Coffee Table, at Marks & Spencers
SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Addison Collection Set. H35 x W120 x D65cm Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen 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

Furry Eyebrows Birthday Card, at Mark & Spensers
Inside message: Happy Birthday Approx size: 150 x 150mm

Autograph Pure Cotton Floral Print Top, at Marks n Spencer
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

Autograph Snag Free Loop Hairbands, at Marks and Spencer
Set of 5 Plain Hair loops without metal clasp to ensure hair is not snagged

23cm Springform Cake Tin, at Marks and Spencer
Ideal for baking cakes, and cheesecakes with easy release closure Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handle Diam: 23cm (9") Height: 7.5cm, Manufacturer: Marks & Spencer

Silver Knot Stud Earrings, at M & S
Knot design Butterfly stud fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Sketchy Bear Mum Birthday Card, at MarksandSpencer
Cover text: To a wonderful Mum Inside message: Blank for your own message Approx size: Unfolded: 178 x 126mm

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

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

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