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 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, 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 & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor 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 M+S 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, Motor 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 and Spencer insurance products in document format too.

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

Younger Girls' Long Sleeve Tatty Teddy Nightdress, at Marks and Spencer
A must for fans of Tatty Teddy, this nightdress features a motif of the popular character and a spot print

Glam Girl Sticker Activity Book, at Marks and Spencer
Ever stuck for something to do? Then this fantastic book is just for you! Get busy with the colourful activities and think up creative ways to use your beautiful butterfly stickers. They can flutter their way onto gift wrap, greeting cards, invitations or accessories. Just use your imagination

Emergency Vehicles Sticker Book, at M & S
Get ready to save the day with this Emergency Vehicles Sticker Book. Featuring 40 emergency vehicle themed stickers, this great set also includes a fact book, activity book and a colourful sceneboard

Princess Party Invitations - Pack of 10, at Mark's & Spencer
Cover text: It's my Party! Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 12 x 12cm

Autograph Flat Front Straight Leg Trousers with Wool, at Mark & Spensers
Luxurious and contemporary, these smartly tailored straight leg trousers are part of our exclusive Autograph range

Garmin® nüvi® 1340 Satellite Navigation System, at Marks and Spencer
Maps: Preloaded with street maps for Western Europe, including the UK and Ireland Directions: Lane Assist to show you to the correct lane for upcoming junctions Display: 9.7 x 5.7cm, 480 x 272 pixels Display type: WQVGA color TFT with white backlight Accepts data cards: microSD™ card (not included) Battery life: up to 4 hours Battery Rechargeable lithium-ion Dimensions: W12.2 x H7.5 x D1.6cm Weight: 161.6g Compatible with Windows 2000 or later and Mac OS X 10.4 or later Only 15mm thick ideal for use in and out of the car Premium, subscription-free traffic alerts Public Transport & Pedestrian mode with optional cityXplorer™ download New optional AA City Guides for restaurant listings, attractions and more Garmin's unique speed camera warnings (database updated daily)

Hard-Top Divan with 4 Large Drawers & M200 Mattress, at M&S
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 24cm Divan height: 41cm Anti-allergy - provides effective protection against dust mite allergies, so you'll have a trouble free sleep 4 large drawers Divan drawer size: H14 x W78 x D52cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Mirrored Floor Cabinet & Sink Unit, Sink & Tap Set, at Mark's & Spencer
H88 x W40 x D36cm Sink Unit: H89 x W60 x D43cm Floor cabinet comes with 1 shelf 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 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

Per Una Pure Linen Safari Palm Belted Dress, at Marks & Spencer
A beautiful calf length dress in pure cool linen featuring a safari palm leaf print and comes with a belt

Blue Harbour Pure Linen Short Sleeve Shirt, at Marks & Spenser
Relaxed and stylish, this short sleeve shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Pure Ramie Short Sleeve Tunic Shirt, at Marks n Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning pintuck detail

Cotton Stick Floor Lamp, at Marks and Spenser
Square shade Tall stem Square base H136 x D30cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of Plain Sports Socks with Cool&Fresh, at Marks and Spencer
Soft and comfortable, these cotton rich sports socks are naturally breatheable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Silicone Nipple Covers, at Marks and Spencers
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

The High Waist Wide Leg Belted Trousers, at Marks and Spencer
These belted high waist trousers come in this season's fashionable mini dogtooth check. Wide legs always look elegant and create a flattering and striking silhouette

Woodlands Puzzle, at Marks & Spencer
Suitable for ages 0-3 years 17 pieces, 4 puzzles Helps with hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Footglove™ Leather Heeled Moccasins, at Marks n Spencer
Square toe Stitch detail Slip on Mid heel Heel height: 40mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Gold Plated Diamanté Tiny Floral Stud Earrings, at Marks & Spencer
Butterfly stud fastening Diamant detail Floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

Dan's Mouse Floral Mum Birthday Card, at Marks and Spencer
Cover text: With love to you Mum, On your Birthday! Inside text: Have a great day! Size: 150 x 215mm

Collezione Twin Toe Cap Shoes, at Marks & Spencers
Square toe Gusset toe cap stitch Lace-up Block heel

Pure Cotton Faux Fur Jacket, at M&S
Stylish and fashionable, this faux fur jacket makes a comfortable and practical choice

Earth Spa Sea Mineral Body Wash, at Marks and Spencer
200ml To replenish and pamper Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Alcohol Denat. Sodium Chloride, Laureth-4, Polysorbate 20, Parfum, Fucus Vesiculosus Extract, Benzophenone-3, Benzyl Salicylate, Disodium EDTA, Laminaria Digitata, Butylphenyl Methylpropional, Limonene, Hexyl Cinnamal, Linalool, Citronellol, Triethylene Glycol, Benzyl Alcohol, Citric Acid, Propylene Glycol, Lavandula Hybrida Oil, Ferula Galbaniflua Oil, Magnesium Nitrate, Pogostemon Cablin Oil, Methylparaben, Methylchloroisothiazolinone, Magnesium Chloride, Sorbic Acid, Methylisothiazolinone, CI 42090, CI 19140

Limited Collection Bow Clutch Bag, at Marks and Spencer
Fashionable and fabulous, this bow clutch bag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Per Una Wide Leg Bow Waist Trousers, at Marks & Spencer
A smart pair of wide leg trousers in a soft stretch fabric featuring a bow design on the waistband

Older Boys' Buckle Wellie Boots, at Marks & Spencers
Wellie style Round toe Buckle fastening Low heel Plain Lined

Limited Collection Faux Snake Skin Cropped Leggings, at M&S
Slim and stylish, these leggings give a sleek modern look. This pair sits below the waist and is cut to fit and flatter.The cropped length adds a fashionable update. Get the latest look!

Vehicle Sticker Book, at Mark's & Spencer
Go sticker crazy with 1000 vehicle stickers. There are monster trucks, racing cars, planes, police cars, motorbikes and much more, all waiting for you inside. Play the cool sticker games and check out the sticker ideas. Stick them around your bedroom or on your clothes. Ready? Get sticking!

Autograph Pure Silk Spot Check Tie, at Marks & Spencer
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

M&S Dual Deck Laminator, at Marks and Spenser
Features: Jam release button, document exit support trays at both ends, LED indicators for power on and ready to use Size: Will laminate paper up to A4 size Power: 220-240V ac 50/60Hz 370W, 1.8A Lamination speed: Approx 230mm/minute Pouch thickness range: 80-125 microns (A4) Ready time: 4-8 minutes Number of rollers: 3 Dimensions: 34 x 12 x 10.5cm Weight: 2.24kg 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

Dressing Up Age 4 Birthday Card, at Marks and Spencer
Cover text: Happy Birthday 4 Inside message: Happy 4th birthday Hope your day is as special as you are! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127 mm

Besides Marks n Spencer Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Household 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 Marks & Spencer 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 Marks and Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Household Insurance and Standard Household 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.