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 & Spensers are so useful. M&S Money financial products are, of course, designed to make Marks & Spenser 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, House Insurance policies. Usually, UK House 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 Money House 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 Money House 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 Money. Not least of these is M&S Standard Motor Insurance. With M&S Money 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 Money, 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 M+S Money, you get more, and you pay less.

Besides MarksandSpencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money House 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 Money 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 MarksandSpencer purchases are also protected while you take them home.

Also, on both M&S Money Premier House Insurance and Standard House 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.

Classic Collection Linen Look Trousers, at Marks and Spencers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Oudinot Brut Champagne, at Marks and Spencer
75cl Oudinot Brut NV Champagne Not available to send separately You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Prints - NAT LINEAR LEAF, at Marks and Spencers
Manufacturer: Marks & Spencer

Twin Pleat Crease Resistant Trousers, at Marks & Spencers
Adopt a fuss-free approach to formal dressing with the crease resistant fabric of these sharp trousers, allowing you to stay looking smarter for longer

Antigua Footstool, at Marks & Spenser
H44 x W72 x D58cm (all dimensions are approximate) Cushions made from Quallofil Extralife filling Frame made from solid wood wrapped with banana fibre Other cushions made from polyester fibre Wooden feet wrapped with rattan 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

Autograph Essentials Embroidered Thong, at Marks & Spencers
Elegant and feminine this modern thong is made from a soft fabric which looks and feels luxurious. The modern low rise high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Per Una Delight Trousers, at Marks & Spencer
Fabulous high waist trousers in a crisp linen blend featuring a granite effect button

Scoop Neck Colour Block Jersey Top, at Marks and Spencer
This fashionable longer length top features a stylish colour block design. A great way to get a fab modern look

Aluminium Deep Roasting Tray, at Marks and Spencer
Non-stick Teflon coated Dimensions: L31 x W20.5 x D3cm, Manufacturer: Marks & Spencer

Set of 3 Rococo Style Photo Frames 5.1 x 7.6cm (2 x 3"), at Mark's & Spencer
Set of 3 Rococo style Option to stand or hang Dimensions: 5.1 x 7.6cm (2 x 3"), Manufacturer: Marks & Spencer

Bare Cooling Shine Tights, at Marks and Spencers
Never lose your cool again in warmer weather with our Bare Cooling tights. Crafted from a revolutionary Japanese yarn, their incredibly lightweight design releases a cooling sensation to your legs as you wear them

Side Zip Centre Crease Bootleg Trousers, at Marks and Spencers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks and Spencer
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

Sonoma Coffee & Side Table Set, at Marks & Spencers
2 piece set Coffee Table: H45 x L135 x W50cm Side table: H60 x W44 x D45cm Toughened glass lower shelf Low sheen protective lacquer finish Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength 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

Toy Story Music Card, at Marks & Spensers
Cover text: Happy Birthday...Buzz and Woody Action Heroes Inside message: Have a fantastic day! Approx size: 215 x 150 mm Disney / Pixar

Multi Faceted Drop Earrings, at Marks & Spencer
Hook fastening Drop style Multi faceted bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Fabulous Husband Keyring Card, at Marks and Spencer
Cover text: Happy birthday to my fabulous husband, you'll always be the light of my life x Blank inside Approx size: 125mm x 177mm

Damask Cylinder Shade, at Marks n Spencer
Cylinder shape Floral design Contrast trim Dimensions: H 280mm x Diam 410mm, Manufacturer: Marks & Spencer

Oval Face Bracelet Watch, at Marks and Spenser
Oval face Analogue

Bright Flowers Slim Diary, at Mark & Spensers
Week to view Spiral bound Bright floral design Dimensions: 165 x 90mm (including binding)

Barrel High Ball Glass Tumbler, at Marks and Spencer
Barrel shape High ball Height: 12cm Capacity: 360ml (36cl), Manufacturer: Marks & Spencer

Autograph Pure Cotton Narrow Bengal Stripe Shirt, at Marks & Spencers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Easycare Satin Check Long Sleeve Shirt, at Marks & Spenser
This easycare shirt is perfect for value, comfort and style

4 Pairs of Pure Cotton Plain Socks, at Marks and Spenser
Soft and comfortable, these cotton socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Stainless Steel Stockpot, at Marks&Spencer
Glass lid Riveted handles 7-litre capacity Diameter 18.5cm, Manufacturer: Marks & Spencer

Pure Silk Floral Tie, at Marks & Spensers
Add a luxurious finishing touch with this smart floral tie in pure silk

Scout Comfort Sleeping Bag, at Marks&Spencer
1 season lightweight and spacious sleeping bag with a square hood and base for extra comfort. Ideal for camping and caravanning. Comfort temperature of +10C

Blue Harbour Pure Cotton Leaf Print T-Shirt, at Marks and Spencers
Fashionable and relaxed, this leaf print t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Per Una Twill Panelled Skirt, at Marks & Spencer
A fashionable mid-calf length skirt in soft cotton blend featuring twill design and rear frill hem detail

Pure Linen Short Sleeve Embroidered Shirt, at Marks n Spencer
This short sleeved shirt will make a useful addition to your wardrobe. It features pretty floral embroidered details for a stylish casual look

M&S 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 M&S 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 Marks & Spencers 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, 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 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 M&S Money UK and European Breakdown Cover, since it covers you as a passenger too.