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 Finance 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, 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 Finance 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor 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 Finance 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 Finance loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (Buildings 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 M & S insurance products in document format too.

Besides Marks&Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance 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 Finance 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 Finance 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.

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

Oxford Toe Cap Shoes, at Mark's & Spencer
Round toe Lace up Stitch detail Block heel

Per Una Panelled Cord Skirt, at Marks & Spencers
A sophisticated mid-calf length skirt in a soft cotton blend featuring a panelled design

Malabar Extending Dining Table, at M+S
H76 x L180 x W100cm Extends to: L230cm Seats 6 Comes with extension leaf to seat 8 Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Legs made from solid wood Delivered flatpack due to size. 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Malabar Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Luxury Wool Rich Flannel Trousers with Cashmere, at Marks and Spenser
Superior fabric, exceptional tailoring and careful attention to detail make these trousers stand out as a stylish modern classic. They're made from luxurious fabric spun in one of Biella Italys world-renowned mills and crafted to the highest specification according to traditional Italian manufacturing methods

Portfolio Pure Linen Open Neck Jacket, at Marks & Spencers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Lisa Jane Fairies Multipack of Mini Cards, at Marks & Spencers
Cover text for design 1: Just to say, design 2 and 3: blank and design 4: Thank you Inside message: blank for your own message Contains: 8 cards, 4 designs Approx size: 95 x 80mm 2007 Lisa Jane/Haley Medai. Licensed by MGL, UK www.mgl-uk.com www.lisajane.com

Autograph Pure Cotton Straight Leg Trousers, at Mark & Spencers
Fashionable and contemporary, these straight leg trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Older Boys' Short Sleeve Paradise T-shirt, at M+S
A practical, casual top in pure cotton featuring a fun paradise slogan and motif. A great value easycare style

Pink Gerbera Flower Pot Birthday Card, at Marks and Spencers
Cover text: Happy Birthday...This comes with many special thoughts and warmest wishes too, It really means so much to know someone as lovely as you Inside message: blank for your own message Approx size: 230 x 114mm

The Edwardian Lady Calendar, at Mark's & Spencer
Approx. size: 225 x 390mm The Country Diary of an Edwardian Lady Rowena Scott (Designs) Ltd RW.UK. Ltd 2008. Licensed by opyrights Group

Authentic Beach Trousers, at M & S
Loose fitting and lightweight, the functional design of these versatile beach trousers makes them a must-have for your summer wardrobe

Classic Underwired Built-Up Shoulder Bra, at Marks & Spencer
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Clear Glass Console Table, at Mark & Spensers
H71 x W105 x D35cm Contemporary clear glass design Made from clear glass Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Etched Floral Lace Brazilian Knickers, at M & S
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Abalone Pendant Necklace & Drop Earrings, at Marks & Spencer
Multi bead pendant necklace with clasp fastening Hook fastening earrings Abalone design

Pure New Wool Plain Polo Neck Jumper, at Mark & Spencers
Made from pure lambswool, this roll neck jumper is irresistibly soft and cosy

Pure Cotton Tear Drop Spot Pyjamas, at Marks and Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Melamine Mini Measuring Jugs, at Marks & Spensers
Set of 3 Includes 60ml, 120ml and 240ml capacity Ribbed design Pouring spout, Manufacturer: Marks & Spencer

Sprung-Edge Divan with 4 Large Drawers, at M+S
Double: W135 x L190cm King: W150 x L200cm Super King: W180 x L200cm H41cm Drawer size: H15 x W78.4 x D53cm 4 x large drawers Sprung edge Anti-allergy - provides effective protection against dust mite allergies, so you'll have a trouble free sleep 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

Older Girls' Pleat Baker Boy Hat, at Marks and Spencers
Fashionable and fabulous, this pleat baker boy hat makes a stylish finishing touch

Pure Cotton Short Sleeve Cymru Rugby T-Shirt, at Mark & Spencers
Fun and fashionable, this short sleeve t-shirt in soft cotton features an embroidered Cymru logo. A practical easycare style

Natural Wool Duvet, at Marks and Spencer
Naturally breathable Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super kingsize (6ft), Manufacturer: Marks & Spencer

Ribbed Peak Hat with Wool, at Marks & Spensers
Keep ahead of the trends with this glamorous ribbed peak hat. The perfect finishing touch to stylish winter outfits

5 Cotton Lycra® Midi Knickers, at Marks and Spencer
These cotton rich low leg midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Winnie the Pooh Age 1 Birthday Card, at Marks and Spencer
Cover text: 1 today Inside message: Happy birthday Approx size: 174 x 126 mm

Mechanical Dancing Girl Birthday Card, at Marks and Spencer
Cover Text: On your Birthday shake it! Inside Message: It's Party Time Approx size: 135 x 135mm

Enamel Butterfly Compact Mirror, at Marks and Spencer
Circular shape Butterfly design Push clasp fastening

Maternity Leopard Print Cardigan, at Marks & Spencers
Elegant and sophisticated, this leopard print cardigan is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. A fashionable, functional choice

Autograph Gift Set, at M+S
Contains: Autograph eau de toilette 30ml Autograph hair and body wash 30ml Autograph Sports eau de toilette 30ml Autograph Sports hair and body wash 30ml

There are lots of ways to save money using M&S Finance. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Finance 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 M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spencers, 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 Money, you get more, and you pay less.