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 & Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Marks&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, Household Insurance policies. Usually, UK Household 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 Financial Services Household 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 Financial Services Household 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 Financial Services. Not least of these is Mark's & Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark's & 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 & Spencer Money, you get more, and you pay less.

M&S Financial Services 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 Household 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 Household 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Peep Toe Slingback Shoes, at M & S
Peep toe Slingback style Bow feature Wedge heel Heel height 7cm Comes in sizes 3-8, including half sizes

Large Marquis Ring, at Marks & Spensers
Faceted faux gemstone Chunky design

Damask Bathmat, at Marks and Spencer
Damask design L80 x W50cm, Manufacturer: Marks & Spencer

9 Bright Baby Farmyard Chunky Books, at Marks & Spencers
The 9 Chunky Board books in this all new set will help your child learn new words and find out more about farm animals, machines and more. Keep the 9 books in the handy tray and use to learn about animals and the farm whenever you desire

Classic Collection Check Skirt, at M&S
Elegant, stylish and comfortable, this knee length pull-on skirt is finished with a check design. The ideal match for blouses and fine knits in coordinating colours

Desroches Champagne - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay 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

Exfoliating Facial Cloth, at Marks and Spencer
Helps promote healthy, glowing and radiant skin High absorbancy Hypoallergenic

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

Penthouse Leaf Pencil Pleat Curtains, at Marks n Spencer
Manufacturer: Marks & Spencer

Pure Cotton Satin Rose Cream Pillowcase, at Marks and Spencer
300 thread count 3D rose design Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Collezione Hip Wallets, at Marks & Spencers
Smart, stylish and practical, leather wallet makes it easy to organise cards, notes and coins

3 Fold Die Cut Presents Card, at Mark's & Spencer
Cover Text: Happy Birthday Message: Have a Great Day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 152 x 215mm

Medium Handkerchief Vase, at Marks and Spencer
Handkerchief design Thick base H22 x Diam 18cm, Manufacturer: Marks & Spencer

3 Pairs of Collezione Diamond Socks, at Marks and Spenser
Exclusively designed for M&S, these smart socks are inspired by Italy and feature a luxury cotton weave for the ultimate in style and sophistication

1000 Stickers For Boys, at M+S
This sticker book will keep them busy as they look for an incredible 1000 stickers inside!

Luxury Pure Wool Single Breasted 2 Button Stripe Jacket, at Marks and Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Older Girls' Star Print Ruck Sack, at Mark's & Spencer
Fashionable and practical, this ruck sack features a stunning star print design. It's easy to carry and there's lots of room for all the essentials

M&S 4GB USB Memory Stick, at Marks & Spensers
4GB memory stick Plugs directly into computer's USB port High-speed USB 2.0 compatible Plug'n Play USB interface requires no driver software Includes USB extention cable and neck strap Rubber housing Dimensions: 54 x 19 x 10mm Weight: 10g (approx) 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

Girls' Limited Hello Kitty Hat & Scarf Set, at Marks and Spencer
Snug and cosy, this cute hat and scarf set is a fashionable choice for chilly weather.

Pure Cotton Graduated Border Bathmats, at Marks & Spenser
Graduated border design Bathmat: W50 x L80cm Pedestal mat: W50 x L55cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Barbaresco Morassino 2005 - Case of 6, at Marks and Spencer
Style: Medium bodied Grape variety: Nebbiolo Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.4% 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

Traditional Patch Cushion, at MarksandSpencer
Rectangular shape Tasselled Patch design L43 x W60, Manufacturer: Marks & Spencer

MoDA Pink Floral Bamboo Paper Blank Card, at Marks & Spencer
Cover Text: Blank Inside message: Blank for your own message Approx size: 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!

Wooden Round Dry Body Brush, at M+S
Round shape Brush head Massage beads

Champagne Herbert Beaufort Grand Cru Champagne - Case of 6, at Marks and Spencer
Style: Grape variety: Country of origin: France Closure: Natural cork 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

Autograph Leather Double Front Pocket Hobo Bag, at Marks and Spencer
Luxurious and beautiful, this hobo bag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Moulded Travel Eye Mask, at Mark & Spensers
Eye mask Lightweight design Carry pouch with drawstring fastening Plain

Autograph Bone China Dinner Plate, at Marks & Spencer
Plain Diameter: 27cm, Manufacturer: Marks & Spencer

Autograph Pure Silk Multi Stripe Tie, at Marks and Spencers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Photo Party Shoes Birthday Card, at Marks and Spencer
Cover text: Get your party shoes on! Inside message: Blank for your own message Approx size: 150 x 150mm

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