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. Marks & Spencers Money 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, 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 Marks & Spencers 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 Marks & Spencers Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

Marks & Spencers Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencers Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks n Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

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

Suzie Damask Jacquard Pillowcase, at M&S
Fits standard pillows Damask jacquard design, Manufacturer: Marks & Spencer

Pearl Storm Wide Collar Necklace, at Marks and Spencer
Multi bead design Wide style Clasp fastening Length: 41cm

Autograph Pure Cotton 3 piece Stripe Hooded Outfit, at Marks and Spenser
Fun and practical, this cute 3 piece outfit features a stripe design. It's made from pure soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Cotton Blend Multi Pocket Jacket with Drawstring Waist, at Marks & Spenser
This flattering short length jacket looks great worn over casualwear for a relaxed look. Finished with a contemporary stitch design, this warm, easycare jacket will see you through the season in style

Sonoma Dark 3-Drawer Sideboard, at Mark & Spencers
H88 x W179 x D50cm 3 drawers and cupboards Each cupboard has an adjustable shelf Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Door frames made from solid wood. Door panels made from White Oak veneer 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 SAVE ON SETS Save at least 25% when you buy this sideboard as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

Hard-Top Non-Storage Divan & M100 Mattress, at Marks and Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 21.5cm Divan height: 41cm A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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

2 Pure Cotton Long Sleeve Tops, at Marks and Spenser
Comfortable, fashionable and practical, these cotton top feature assorted design. A great value pack

Portfolio Basket Weave Dress with Belt, at Marks and Spencer
Pretty and feminine, this dress features a belt at the waist to define your figure. A fabulous, flattering look

Per Una 3 Piece 3/4 Sleeve Botanical Bolero Set, at Marks and Spenser
A modern 3/4 length sleeve 3 piece set featuring a floral printed top, plain inner camisole with lace trim and a tie front bolero

Blue Harbour Linen Blend Straight Leg Jeans, at Marks n Spencer
These classic jeans are an excellent addition to any causal wardrobe thanks to a smart, easy to wear design. Team with a long sleeve shirt or plain tee for an effortless weekend look

Pure Cotton Sweat Top, at Marks and Spencer
Relaxed and cosy, this pure cotton sweat top is extremely comfortable and can be worn layered for a contemporary look

Silver Plated Pave Ball Ring, at Marks and Spencers
Large ball design

Doves First Communion Card, at Mark's & Spencer
Cover text: Celebrating your first communion Inside message: Have a wonderful day! Approx size: 174 x 126mm

Collezione Luxury Wool Rich Flat Front Trousers, at Marks & 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

Pop Up 2 Person Camping Tent, at Marks and Spencer
2 person tent No assembly, simply twist to pop open the tent Packs flat into a carry case for easy storage and carrying Taped seams Fire retardant Carry case Sewn in ground sheet 1 entrance Approx: L225 x D105 x H100cm, Manufacturer: Marks & Spencer

Ceriso Silk Rich Bikini Kickers, at Marks & Spencers
Flirty and feminine, these glossy bikinis are fantastic value for luxurious silk and they're machine washable too! The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Barletta Large 2-Seater Sofa, at Mark's & Spencer
H85 x W227 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 with a dark finish Includes 2 free matching bolsters 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

Long Sleeve Ribbed Polo Neck Jumper, at Marks & Spenser
Modern and stylish, this polo neck jumper features a ribbed design. A versatile, easywear style

Woven Silk Multi Stripe Tie, at Marks & Spencer
Add a luxurious finishing touch with this contemporary multi stripe tie in pure silk

Short Sleeve Cable Knitted Longline Jumper, at Mark & Spensers
Elegant and feminine, this dress features cable knit design. Stylish, practical and fashionable

Classic Collection Cotton Rich Pull On Corduroy Trousers, at Marks & Spencers
Effortlessly stylish, these easycare pull on casual trousers are finished with a smart decorative fob at the waist. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts.

Secret Support™ Heart Moccasin Slippers, at Marks and Spencer
The ultimate in comfort, these moccasin design slippers are made with hidden support that moulds to the natural contours of your feet. They are machine washable for added convenience

Tinderbox Chardonnay 2008 - Case of 6, at Mark & Spensers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% 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

Autograph Nail Clippers, at Marks n Spencer
Carry pouch Rounded clipping edge

Tiga Leather Chair, at Marks and Spencers
H87 x W47 x D59cm Seat: H43cm Single chair Made from solid sheesham with leather seat Finished with a protective matt lacquer for added durability Made from solid wood for strength Legs made from solid wood 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

Pure Cotton Embroidered Denim Skirt with Tights, at Marks and Spencers
You will love this pure cotton denim skirt with a pair of tights. A practical, easycare style

Grace Pasta Bowl, at Marks and Spencer
23.5cm diameter Leaf design Fine China, Manufacturer: Marks & Spencer

Pointed Toe Ankle High Boots, at Marks and Spencers
Pointed toe Centre stitch detail Side zip fastening Ankle high Mid heel Heel height: 54mm Comes in sizes 3-8, including half sizes

Signature Natural Cotton Infusion Sticks, at Marks & Spensers
Scented infusion sticks Fragrance lasts upto 8 weeks Glass holder included, Manufacturer: Marks & Spencer

Per Una Eau De Toilette Purse Spray 25ml, at Marks & Spenser
25ml eau de toilette

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

• M&S Insurance: M&S Car Insurance, M&S Home 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 n Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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