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 Marks and 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 Finance 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 Finance 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 Finance. Not least of these is MarksandSpencer 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 M+S, 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 Marks & Spencers Money, you get more, and you pay less.

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

Travel Neck Pillow, at Marks & Spencers
Once you have travelled with this neck pillow you will wonder how you managed to survive without it. Containing polyester beads it will mould to the shape of your head, enabling you to rest peacefully on your journey

Big And Tall Single Breasted 2 Button Jacket, at Marks and Spencer
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Graphic Leaf Print Bedset, at Marks&Spencer
Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton Swirl Neck Top, at Mark & Spencers
Modern and stylish, this versatile top is made from soft easycare fabric and features a swirl neckline design. A fashionable style with a comfortable, flattering fit

Ring Trim Bikini Top, at M&S
Feminine and fashionable, this stylish bikini features ring detail. The ultimate in poolside glamour

Smocked Henley Neck Frill Top, at Marks and Spenser
The frill detail is a key trend this season. This soft fabric top makes a stylish way to get the look

Autograph Value Suit Jacket, at Marks & Spencer
Smart and stylish, this suit jacket is outstanding value! It's made from comfortable hardwearing fabric, ideal for sixth form wear

Pure Cotton Ruffle Pintuck Top, at M&S
This short sleeved top will make a useful addition to your wardrobe. It features smart pintuck details for a stylish casual look

Collezione 2 Button Suedette Jacket, at Marks & Spencer
A suedette finish adds a luxuriously soft sheen to this smart casual jacket. Inspired by the natural understated elegance of Italian style, the single breasted design offers a slim and contemporary silhouette

Shimmer Floral Multi Strand Wire Necklace, at Marks and Spencer
Adjustable length Clasp fastening Multi strand Mixed faceted beads Floral pendant Length: 41cm

Pure Silk Woven Thin Stripe Tie, at Marks & Spenser
Add a luxurious finishing touch with this contemporary thin stripe tie in pure silk

Mother Ribbon Blossom Flower Birthday Card, at Marks & Spencer
Cover text: Birthday Wishes to a Very Special Mother Inside message: Wishing you a wonderful day Approx size: 175 x 125mm

Autograph Pure Cotton Slim Leg Jeans, at Marks & Spensers
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

M&S Internet Security Software, at Marks & Spencers
A comprehensive security and back-up suite Protects identity Latest generation anti-virus Award winning anti-spyware Online fraud protection Anti-spam Parental control Automatic daily updates Back-up online This product is not available for international delivery. Find out more

Recycled Stain Defence™ & Stormwear™ Fashion Skirt, at Marks&Spencer
Smart and stylish, this fashionable skirt is made from polyester from 100% recycled sources. It is treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

T356953S, at M & S
Manufacturer: Marks & Spencer

2 Older Boys' Cotton Rich Mock Layer Pyjamas, at Marks & Spencer
Made from comfortable, breathable cotton, these mock layer pyjamas are outstanding value

Leather Canoe Moccasins, at Marks and Spencer
Slip on Square toe Double stitch detail Small heel

3 Tea Light Holders, at M+S
Set of 3 Crystal cut design Dimensions: H4 x Diam 8cm, Manufacturer: Marks & Spencer

5 Older Boys' Pure Cotton Plain Boxers, at Mark's & Spencer
Comfortable, practical and fashionable, this 5 pack of boxers are made from soft breathable cotton

Per Una 3/4 Sleeve Knitted Top & Scarf, at Marks & Spencer
Comes with the scarf shown A fashionable knitted top featuring an open knit trim

Per Una Ruffle Bib Longline Tunic, at Marks and Spencer
A stylish longline tunic in soft textured fabric featuring ruffle bib panel with button detail

M&S Super Juicer, at Marks and Spencer
35 watt Automatic switch on Anti-drip spout Includes cord storage and lid Stainless steel finish 1 litre capacity H32 x D17cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click

Summer Floral Leaf Bed Cover, at Marks and Spencers
Floral leaf design Quilted look Stitched detail 250 x 265cm, Manufacturer: Marks & Spencer

Pure Cotton Jaquard Leaf Runner, at Marks & Spencers
Floral design Jaquard detail Dimensions: 34cm x 230 cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Stripe Shirt, at Marks & Spencers
Relaxed and stylish, this stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Moisturising Opaque Tights, at MarksandSpencer
Bodysensor tights keep you warm when it's cool and cool when it's warm. The innovative technology helps to move moisture away from your skin for the ultimate in comfort

Black & Decker PV100K-XJ Extension Kit, at Marks and Spencer
Extension kit for Dustbuster hand vacs to enable effective cleaning of floor surfaces without bending your back Easy to assemble and attach or detach from the hand vac Can be used on hard floors and carpets Compatible with PV9605N, PV1205BN, PV1405N, PV1805N

Pure Cotton Short Sleeve Check Shirt, at M+S
A practical casual shirt in pure cotton featuring a check print. A great value easycare style

Faux Leather Funnel Neck Ribbed Trim Bomber Jacket, at Marks & Spencer
Bomber jackets are a key look this season, and this faux leather style makes a fashionable choice

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

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

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