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 Mark & Spensers 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, 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 M+S 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 M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but M+S 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 M+S 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 M+S Money loans, credit cards or Home Insurance - besides a number of other insurance products, M+S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M+S Money insurance products (Home 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 n Spencer insurance products in document format too.

M+S 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 M+S 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 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 Tescos:

• 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 M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

Animal Print Mesh Tights, at Marks & Spencers
Treat your legs to a touch of style. These animal mesh tights have a durable reinforced design to keep them looking good, wear after wear

Set of 3 Photo Frames 17 x 12cm (4 x 6"), at M+S
Set of 3 Rectangle shape Aperture: 4 x 6'' H17 x W12cm, Manufacturer: Marks & Spencer

Pure Cotton Ripstop Pull On Hat, at Mark & Spencers
Keep your cool in this pull on sun hat, a summer and holiday essential

Foil and Floral Large Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 140 x 340mm

Collezione Italian Pure Silk Kennedy Stripe Tie, at Marks and Spencers
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Capiz Tiered Pendant Shade, at Marks and Spencer
3 tiers Pendant shape Capiz shells Comes in white and amber Bulb: 100W GLS H30 x Diam 25cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Reversible Leather Belt, at Marks and Spencers
Add a smart finishing touch with this leather buckle fastening belt

Silver Finish Wood Photo Frame 13 x 18cm (5 x 7"), at Marks and Spenser
Rectangle shape Pine wood border Silver finish Aperture: 13 x 18cm (5 x 7") Dimensions: H24.2 x W29.3 x D2.7cm, Manufacturer: Marks & Spencer

Portfolio Lightweight Animal Print Scarf, at Marks&Spencer
Bring out your wild side with this fabulous animal print scarf. Perfect with this season's styles it ensures that even in the simplest outfit, you'll never look tame

Per Una 3/4 Sleeve Knitted Top with Necklace, at Marks & Spencer
A feminine 3/4 sleeve knitted top featuring a v-neck. Beaded necklace makes it extra stylish

Sicilian Lemon & Ricotta Cheesecake, at Marks and Spenser
Serves 14 Ready to eat 1.5kg Not suitable for nut allergy sufferers Comes in a box suitable for storing the cake before serving As featured on page 51 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Collezione Merino Wool Rich Slip-Over with Silk, at Marks & Spencers
Spring is the season for layering. Work this in the office with a shirt and trousers, or pull on over a T for weekend chic

Dawson Bedstead - Super King Size (6ft), at Marks and Spencer
L207 x W183cm Headboard H121cm Endboard H51cm Silver frame made from cast metal Mattress sold separately Self assembly This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Panasonic 50'' TX-P50X10 HD Plasma TV, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 50 inch plasma screen, 1,049,088 (1,366 x 768) pixels Dynamic contrast ratio: 2,000,000:1; Native: 20,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W121.8 x H76.9 x D10.5cm (without stand), W121.8 x H81.4 x D40.1cm (with stand) Weight: 34kg (without stand), 36kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3x HDMI, S-video input, component video input, PC input and 1 x headphone jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette Digital Cinema Colour: Superb colour reproduction with 4,096 equivalent steps of gradation SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Short Sleeve Stripe Shirt, at Marks & Spencers
This fab short sleeve shirt features a tucked detail and stripe design. A sophisticated new look, perfect for this season

Everyday Floral Embroidered Underwired Bra, at Marks&Spencer
Soft and comfortable, this spot embroidered bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Styled Pin Dot Shorts, at M+S
Sleek and stylish, these soft stretchy shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and shorts style give a modern, shapely look. Designed for a streamlined silhouette

Luxury Pure Cotton Long Sleeve Fine Check Shirt, at Marks and Spenser
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Single Sprung-Edge Divan with 1 Small + 1 Large Drawers & M300 Mattress, at MarksandSpencer
Single Mattress (3ft): W90 x L190 cm Single Divan (3ft): W90 x L190cm Mattress depth: 24cm Divan Height: 41cm Large Drawer: H14 x W78 x D52cm Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Spring count: 896 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK 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

Big & Tall Crease Resistant Houndstooth Trousers, at Marks & Spenser
Stay smarter for longer with these innovative crease resistant trousers. Perfectly proportioned for big and tall men

Cross Over Body Bag, at Mark & Spencers
Stylish and useful this cross over body bag features adjustable strap and zip fastening pocket. A fashionable accessory

Wisteria Luggage Weekend Rollercase, at Marks and Spencer
Free 5 year guarantee Supported by sturdy wheels and a stand-alone feature, this rollercase is the ideal option for short trips away. It has dual packing compartments and a big 37 litre capacity

Flitter Heart Wedding Card, at Marks & Spencer
Cover text: With love on your wedding day Inside message: Blank for your own message Approx. size: 178 x 126mm

Younger Girls' Heart Trekking Sandals, at Mark's & Spencer
Contrast stitch detail Riptape fastening Heart print

Summer Floral Leaf Bed Cover, at Marks&Spencer
Floral leaf design Quilted look Stitched detail 250 x 265cm, Manufacturer: Marks & Spencer

Ultimate Non-Iron Pure Cotton Long Sleeve Shirt, at Marks and Spencer
No more Monday morning mayhem with this non-iron shirt. Keeping all the smart qualities of a standard long sleeve, it's specially treated for a no fuss finish

Classic Collection Pure Cotton Embroidered Cropped Trousers, at Mark & Spensers
An ideal choice for casual everyday wear, these cropped trousers are finished with an embroidered hem. They look stylish worn with knitwear or casual tops in complementary colours

Blue Harbour Pure Cotton Jeans, at M&S
Smart casual style at a great value price! These pure cotton jeans make a comfortable and fashionable choice

Parisian Chic Slim Diary, at Marks & Spencer
Week to view Dimensions: 165 x 80mm

Soft Vanilla Referesher Oil, at Marks and Spenser
Vanilla scented 15ml, Manufacturer: Marks & Spencer

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