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 Spenser are so useful. Marks & Spencer Money financial products are, of course, designed to make M & S 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 Marks & Spencer Money 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 Marks & Spencer Money Household Insurance than you will anywhere else, and you may even pay less with M&S.

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

Marks and Spencers 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 & Spencers 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 Marks & Spencer Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencer Money loans, credit cards or Household Insurance - besides a number of other insurance products, Marks & Spencer Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencer Money 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 & Spencers insurance products in document format too.

Single Pleat Straight Leg Trousers with Wool, at M & S
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried

Pink Gem Heart Slim Diary, at Marks & Spensers
Dimensions: 165 x 80mm

2 Machine Washable Floral Pattern Ties, at Marks&Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Athenian Column Floor Lamp, at Marks & Spencer
Antique brass finish Column detail stem Square base Parchment style shade H134 x Diam 40cm Bulb: 60W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Mock Crocodile Padlock Jewellery Box, at Marks & Spenser
Carry handle Padlock Mock crocodile effect Internal mirror Various sized compartments 3 drawers 23 x 17.5 x 14cm

My First Giant Peekaboo Puzzle, at Marks & Spencers
Spot the nursery rhyme characters in these interactive puzzles

Dining - PLATINUM PASTA, at M&S
Manufacturer: Marks & Spencer

Seifried Estate Nelson Sauvignon Blanc 2008 - Case of 12, at Mark & Spensers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml:1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Adjustable Floor Lamp, at Marks and Spencers
Adjustable Blackened chrome plated steel Round Base H132 x Diam 80cm Bulb: GX53 or 9W CFL, Manufacturer: Marks & Spencer

Chintz Tea Party Hand Finished Multipack of Cards, at Marks and Spenser
Pack contains: 6 cards, 2 designs Cover text: Both designs blank Inside message: Blank for your own message Approx. size: 200 x 80 mm

Autograph Quad Blusher, at Marks & Spencer
4 x blushers Includes compact mirror inside

Summer Straw Gambler Hat, at MarksandSpencer
The straw gambler hat is perfect for those hot days. The woven straw is gives this hat a unique look as well as being a lightweight summer hat, the wide brim will keep the sun from your eys while the stylish striped band adds a touch of class to this great looking hat

Long Sleeve Stripe Hooded Top, at Mark & Spencers
A stylish wardrobe essential in pure soft cotton. Ideal for layering

Sonoma Coffee & Side Table Set, at Marks and Spencer
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

Stitched Cotton Sunburst 70th Card, at Marks and Spencer
Cover text: 70 Congratulations Inside message: Blank for your own message Approx size: 175 mm x 125 mm

Dan's Mouse Floral Wheelbarrow Birthday Card, at Marks and Spenser
Cover text: For you...from me...with love xxx Inside message: Blank for your own message Approx size: 150 x 215mm

Portfolio Panelled Pencil Skirt, at M&S
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Autograph Heritage Champagne Flute, at Marks & Spencers
Flute style Graduated base H25cm, 28cl, Manufacturer: Marks & Spencer

Younger Girls' Classic Patent School Shoes, at Marks & Spenser
Round toe Floral detail Scallop trim Single ankle strap with rip tape fastening Flat sole Easy Clean

125 Years Pure Cotton Long Sleeve Check Shirt, at Marks & Spenser
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

3 Button Bootleg Trousers, at Marks&Spencer
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. A look that's always in style

Ravinni Chair, at Marks and Spencer
H84 x W87 x D86cm Seat H51cm Seat and back cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 an ebony finish 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Portfolio Wrap Tie Cardigan, at Marks and Spencers
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Pure Wool Ogee Damask Rug, at Marks & Spencers
Leaf design Rectangular shape Hand tufted Small: L80 x 140cm Medium: L120x W180cm Large: L160x W230cm, Manufacturer: Marks & Spencer

Ultimate Non Iron Royal Oxford Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Pure Cotton 'College League' Mock Layer T-Shirt, at Marks & Spencers
Soft and comfy, this mock layered t-shirt features a 'College League Forty' graphic. A fashionable and practical easycare style

Ellipse Collection - Table Lamp, at Marks&Spencer
Suede shade Ellipse stand Rectangular base 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

Heart Mesh Lace Trim Hipster Knickers, at Marks and Spencer
Pretty and feminine, these hipster briefs are extremely comfortable to wear and give good coverage at the front and back

°Climate Control Long Sleeve High Zip Neck Thermal Top, at Marks and Spencer
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Photo Frame with Mount 20 x 25cm (8 x 10"), at Marks & Spencer
Plain photoframe Removeable mount card Aperture: 8 x 10'' H38 x W33cm, Manufacturer: Marks & Spencer

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

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

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