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 M&S are so useful. Marks & Spencers Money 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, 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 Marks & Spencers 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 Marks & Spencers 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 Marks & Spencers Money. Not least of these is M & S Standard Motor Insurance. With Marks & Spencers 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 Marks & Spencers Money, which also has other features.

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

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 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 House 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 House 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.

Sherbets Wedding Text Card, at M & S
Cover text: Wedding Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

50/50 Bed Linen - Fitted Sheet, at Mark & Spencers
Single: L190 x W91cm, depth 25cm Double: L190 x W137cm, depth 25cm King Size (5ft): L200 x W152cm, depth 25cm Super King Size (6ft): L200 x W183cm, depth 25cm Plain dye bed linen Plain fabric (no design) Easy to iron Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Autograph Pure Wool Flat Front Stripe Trousers, at Marks & Spenser
Fashionable and contemporary, these stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

2 Mosaic Stackable Chairs, at Mark's & Spencer
H96 x W56 x D56cm Sold as a pair Metal frame Polyester seat pads included Suitable for indoor and all-weather outdoor use Individually hand crafted Please note that this range uses natural stone and grouts and therefore the colours within the products may vary from those shown and may change over time This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Floral Wreath Photograph Mother's Day Card, at Marks and Spencer
Cover text: Happy mother's day Inside message: Have a lovely day Approx size: Unfolded: 150 x 150mm

Chunky Tyler Sunglasses, at Marks n Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Limited Collection Rio Cluster Pendant Necklace, at Marks & Spencers
Clasp fastening Adjustable length Rio cluster pendant Necklace length 84cm, extendable by 8cm

Limited Collection Vintage Multi Row Necklace, at Marks & Spencers
Clasp fastening Adjustable length 2 strand feature Cluster design Necklace length: 45cm, extendable by 8cm

Per Una Petal Shoulder Bag, at Mark's & Spencer
A floral detail makes this fashionable bag even more special. Give your look the Per Una twist!

Autograph Supima® Sateen Fitted Sheet, at Marks & Spencers
500 thread count 100% Supima cotton Supima is internationally recognised as the world's finest cotton. Only 1% of the world's cotton supply is fine enough to carry the Supima brand Supima is renowned for its superior strength, enhanced durability and sumptuous feel Normally available in single, double, kingsize and super-kingsize, Manufacturer: Marks & Spencer

Tree Silhouette Wallpaper, at Mark's & Spencer
Paste-the-wall wallpaper - printed on special non-woven paper, when hanging this wallpaper the paste is applied directly to the wall. Easier to handle when dry and no need for a pasting table Offset pattern repeat 64cm - The design elements in the pattern run diagonally across the wall, so only alternating rolls should be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Appliqué Heart Dressing Gown, at Marks & Spencers
Wrap up and relax in this soft dressing gown featuring an Appliqu heart design for a pretty look

Scooter Boy Age 5 Birthday Card, at Marks & Spencer
Cover Text: 5 today, HOORAY! Inside Message: Happy birthday! Approx size: 174 x 126mm

3 Pairs of Cotton Blend Plain Socks with Linen, at Marks&Spencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Monkey Bedset, at Marks and Spenser
3 part set Assorted monkey motif Set includes single duvet cover, 1 pillowcase and a printed bag, Manufacturer: Marks & Spencer

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

Cool Stuff To Make Book, at Marks & Spenser
Find out how to make and draw the coolest stuff in this awesome book. Create your own codes, make a mini-parachute, build a brilliant toy truck and loads more. It's guaranteed to provide hours of fun

The Floral Collection Lavender Talcum Powder, at Marks and Spencer
200g Lavender fragrance Silky talcum powder

Portfolio Short Sleeve Jumper with Cashmere, at Marks & Spenser
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

Deep Lace Trim Stripe Shorts, at Marks & Spencer
Low rise shorts are perfect for wearing with hipster styles and these pretty stripe shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Blue Harbour Floral Side Panel Swim Shorts, at Marks and Spencer
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

Dualit Vario 2-Slice Toaster - Chrome, at Marks and Spenser
1200 watt 2-slice toaster Mechanical timer to control toasting Manually operated eject lever to keep items warm until needed and extra wide 28mm slots to accommodate larger items and the optional sandwich cage Patented, award-winning ProHeat technology Adjustable inner wire guard to grip toast and high lift mechanism to remove small items easily Easy cleaning with a stainless steel cover Hand-built in England Selector switch - use only the slots required Designed to last - each individual parts is replaceable or repairable Designed for use in commercial kitchens Weight: 3.5kg Dimensions: H22 x W31 x D21cm 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 , Manufacturer: Marks & Spencer

10 Dinner Candles, at Marks and Spencer
Pack of 10 Plain Up to 4 hours burning time H24 x Diam 2cm, Manufacturer: Marks & Spencer

Limited Collection Linen Rich Ruffle Dress, at Mark & Spencers
Part of Limited Collection's Club Rio trend - get tropical in a heady mix of hot, sun-drenched hues and modern graphic prints with fresh white accents. A fashion-conscious holiday look

Wooden Body Hair Brush, at Marks and Spencer
Wooden handle Rounded pins Square brush FSC is an independent, non-governmental, not for profit organization established to promote the responsible management of the world's forests FSC Trademark FSC Forest Stewardship Council, A.C. All rights reserved

Running Book, at Marks n Spencer
Running is one of the most popular forms of exercise that you can choose. Aimed at those who are new to running, this book advises you on what you need to get started and how to continue in order to improve.

De Saint Gall Blanc de Blancs Premier Cru Brut Champagne - Case of 6, at M+S
Style: Dry Grape variety: 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

Autograph Chocolate Tile Bedcover, at Mark's & Spencer
Quilted tile design, Manufacturer: Marks & Spencer

Sienna Table, at MarksandSpencer
Powder-coated steel frame Marble tabletop Individual marble characteristics Suitable for all-weather outdoor use H72 x Diam 110cm Please note that there is no hole for a parasol umbrella This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Multipack of Assorted Stretch Hair Bands, at Marks n Spencer
Fashionable girls need options, so this multipack of assorted hair bands makes the perfect choice

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks and Spencer, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.