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 & Spenser are so useful. M&S 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, Buildings Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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 and Spenser 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, Sainsbury's, 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.

Shopping for financial products at M&S 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 M&S Money website:

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

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

Pocket Swiss Ball, at Marks & Spencer
This pocket size Swiss Ball book is jam packed with fun tips to help you improve how your body looks, feels and works, giving both your mind and body a good workout

Autograph Pure Cotton Lace Cardigan, at Marks & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Cotton Rich Double Button Bootleg Jeans, at Marks & Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Lobster Thermidor, at Marks and Spencers
Serves 2 Ready to cook Suitable for freezing 280g As featured on page 38 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Pastel Glitter Spots Roll Wrap, at Marks & Spencer
1 roll wrap Approx size: 150 x 70cm

Per Una Frill Neck Dress, at Marks & Spensers
A stylish colourful dress featuring a frill neck design. Ruffle trim details give it the Per Una touch

Cotton Rich Stripe Low Rise Shorts, at Marks and Spenser
Low rise shorts are perfect for wearing with hipster styles and these cute stripe design shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Garmin® 3.5'' Sat Nav Case, at Marks & Spencer
Keep your Garmin sat nav protected from knocks and scratches with this stylish case

2 Cotton Rich Long Sleeve Tops, at Marks & Spensers
Fun and fashionable, these cotton rich tops are outstanding value!

Limited Collection Wedge Gladiator Shoes, at Marks and Spencers
Open toe Gladiator interweave design Tie fastening Wedge sole Mid heel Comes in sizes 3-8, including half sizes

2 Pure Cotton Short Sleeve Assorted Stripe Polo Shirts, at Marks and Spencer
A stylish smart-casual look, these short sleeve polo shirts come in a textured cotton fabric. Practical, comfortable and easycare

Icon Letters Mum Birthday Card, at Marks & Spencers
Cover text: Mum Inside message: With love and kisses This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Perfect Cotton Rich Below The Waist Skinny Jeans, at Mark & Spensers
Tuck these slim leg jeans into boots or add some simple pumps, and enjoy a shapely silhouette at an amazing price

5 Pairs of Footsies, at Marks & Spencers
These soft semi-opaque footsies are designed to hide inside your shoes for extra comfort

Older Boys' Cotton Rich Optimus Prime Vest & Trunks Set, at Marks and Spencer
A must for fans of Transformers, this cotton rich vest and trunks set features optimus prime

Silver Plated Scattered Heart Necklace & Earring Set, at Marks & Spensers
2 part set Butterfly stud fastening earrings Clasp fastening necklace with scattered heart pendant

Collezione Multi-Coloured Check Cufflinks, at Marks & Spencers
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Collezione Moccasin Leather Loafers, at Marks & Spencers
Luxurious and contemporary, these leather shoes are part of Collezione, inspired by Italian style. Their superior design, quality and hand finishing make them a sophisticated and fashionable choice

Ceramic Canoe Potpourri Bowl, at Marks & Spencers
Ceramic bowl Canoe shape H9 x L33cm, Manufacturer: Marks & Spencer

Malabar Coffee Table, at Marks & Spensers
H53 x L120 x W60cm 10 drawers Crafted predominantly from solid mango wood Protective low-sheen lacquer finish for added durability Fitted with antique-brass-effect handles 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 table as part of a set. Click here to view the Malabar Collection Set. , Manufacturer: Marks & Spencer

Connoisseur Chocolate Rose Cake, at Marks and Spenser
Serves 25 Chocolate cake: a rich chocolate cake filled with milk chocolate ganache. Chocolate cakes can be eaten up to 5 days after collection Contains alcohol - Grand Marnier liqueur Cake size: Diam 25cm 1.7kg Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Per Una Check Lace Brazilian Knickers, at Marks and Spencers
Feminine and delicate, these stylish brazilian knickers feature a lace design. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

Easycare Fine Stripe Short Sleeve Shirt, at M & S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Pure Cotton Embroidered Owl Booties, at Mark & Spencers
Cute and comfy, these practical booties feature an embroidered owl design. A soft stretchy cuff keeps them on securely

Gold Finish Wood Photo Frame 13 x 18cm (5 x 7"), at Marks & Spencers
Rectangle shape Pine wood border Gold finish Aperture: 13 x 18cm (5 x 7") Dimensions: H19.1 x W24.2 x D2.7cm, Manufacturer: Marks & Spencer

Bow Detail Jersey Gloves, at Marks and Spencers
Keep out the cold in style and comfort with these flattering soft stretchy gloves finished with a bow detail

Best Of British Trivia Card Game, at Marks & Spencer
Number of players: 2+ Suitable for ages 14+ Contains: 150 question cards, score pad, pencil and instructions Approx. card size: 58 x 88mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Pure Silk Beaded Blouse, at Marks and Spenser
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Leather Bin, at Marks and Spencer
Elegant waste bin Simple design suits most settings 30.8 x 23.5 x 31cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Zip-Up Cardigan, at Marks & Spencers
The chunky design and zip-up fastening give this pure cotton cardigan a fashionable twistbr>

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