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 & Spencer are so useful. M&S Money Direct 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, Property Insurance policies. Usually, UK Property 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 Direct Property 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 Direct Property Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks & Spensers Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Property 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 M&S Money Direct 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 & Spencers purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Property Insurance and Standard Property 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.

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

• M&S Insurance: M&S Car Insurance, M&S Property 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 Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

M&S Easy Media Create and Copy Software, at Marks & Spencer
Roxio Easy Media Creator 9 Software Copy music and movies to CD and DVD Make photo slideshows with music and animation Transfer music and movies to iPod, PSP or mobile phones Edit video and create home DVDs with menus Convert LP's and tapes to CD, DVD and MP3 or WMA formats 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

Miele Cat & Dog TT5000 Cylinder Vacuum Cleaner, at Marks & Spencer
2200 watts 4.5 litre dust bag capacity 10 metre operating radius Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability 6 variable power settings - 300-2200W Turbobrush STB 205-3 - Perfect for picking up pet hair from carpets Supplied with a Active Air Clean filter, combines the super Air clean filter with an active charcoal cassette to absorb odours. Ideal for pets owners HEPA 12 certification for complete vacuum cleaner - According to the European Standard EN 1822. Discharged Air is cleaner than the ambient room air (when used with HEPA filter) Bumper strip to protect vacuum cleaner and your furniture Mini Turbobrush STB 101 - Ideal for vacuuming stairs and removing pet hair from upholstery Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Dust bag change indicator - Signals when the dustbag needs to be replaced Comes with 2 HyClean dustbags - The new HyClean dustbag sets new standards in filtration, dust-absorption, hygiene and safety Six Step Rotary Dial - To adjust the suction power for different floorings Silence setting - Ideal combination of low noise level and cleaning performance Recommended for Loop Pile carpet, Deep Cut Pile carpet and furniture Dimensions: L45cm Weight: 7.7kg 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

Elephant Party Time Invitations, at Marks & Spencers
Cover text: Party time come and have fun! 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: 120 x 120mm

Chrome-Effect Nut Cracker, at Marks & Spensers
Chrome-effect design, Manufacturer: Marks & Spencer

Traditional Lace Pull-On Girdle, at Marks & Spencers
A traditional girdle with a high level of support to gently control tummies and shape hips. The perfect foundation for a smooth look

Pure Wool Single Breasted 1 Button Jacket, at Mark's & Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Classic Underwired Non Padded Lace Bra, at Marks & Spencers
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Lavender Scented Pot Pourri Bag, at Marks & Spencer
Lavender fragrance, Manufacturer: Marks & Spencer

Medium Elephant Soft Toy, at Mark & Spencers
Suitable for ages 0-3yrs H25cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Lace Sunglasses, at M&S
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Pure Cotton Stripe Mock Layer Jersey Top, at Marks & Spencer
Smart and stylish, this mock layer top is made from cool comfortable cotton and features a ruffle front detail and stripe print

Limited Collection Double Buckle Strap Shoes, at Marks & Spencer
Round toe Double buckle strap fastening Stitch detail Mid heel Heel height: 35mm Comes in sizes 3-8, including half sizes

Bright Sparks My Bumper Workbook English & Maths, at Mark & Spencers
Carefully linked to the National Curriculum, this English & Maths bumper workbook gives ideal support to primary school children. Over 200 gold stars and sticker badges to encourage and reward your child

Batwing Hooded Button Cardigan, at Marks and Spencers
Fun and fashionable, this hooded cardigan features a batwing design. A pretty, practical and easycare style

Total Support Floral Embroidered Non-Wired Bra, at Marks & Spensers
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

furn_del_rep, at Marks and Spencers
This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

North Coast Pure Cotton Bootleg Jeans with Belt, at Marks & Spencers
Relaxed and comfortable, these bootleg jeans give a fashionable casual look

Faux Crocodile Skin Double Handle Bag, at Marks and Spencers
Stylish and useful, this double handle bag features faux crocodile skin. A practical and fashionable accessory

25 Lotus Flower Room Scenters, at Marks & Spensers
Pack of 25 Lotus flower scent, Manufacturer: Marks & Spencer

Limited Collection Drape Sleeve Jersey Top, at Marks & Spencer
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

Blue Harbour Luxury Long Sleeve Shirt with Silk, at Marks&Spencer
Classically stylish, this long sleeve shirt is cut for a great fit. It's made from a luxurious blend of linen and silk

Bold Stripe Eyelet Curtains, at Marks & Spencers
Bold stripe Eyelet Lined Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Panasonic HDC-SD200 HD Camcorder, at M & S
Pixels: 9.15 megapixels Zoom: 12x optical zoom / 30x-700x digital zoom Screen: 2.7'' Wide LCD Dimensions: H6.8 x W6.8 x D13.2cm Weight: 335g (without batteries and card) Recording Format: JPEG Motion Image: 6.21 megapixels (2.07 megapixels x 3)[16:9] Still Image: 7.95 megapixels (2.65 megapixels x 3 ) [3:2] / 7.53 megapixels (2.51 megapixels x 3) [16:9] / 6.96 megapixels (2.32 megapixels x 3 ) [4:3] Image Stabilizer: Advanced O.I.S. [Optical Image Stabilizer] Audio Recording System: Dolby Digital (5.1ch) Microphone: 5.1ch Surround, Zoom and Focus Microphone Battery: min. 1250 mAh / Lithium-Ion

Sonoma Office Desk Tidy, at M&S
2 drawers Fixed glass shelf Both desk tidy and desk are pictured. Desk sold separately H16 x W106 x D22.5cm This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this desk tidy as part of a set. Click here to view the Sonoma Office Collection Set. , Manufacturer: Marks & Spencer

Autograph Stainless Steel Charger Plate, at Marks and Spenser
Round shape Stainless steel for maximum durability and shine, Manufacturer: Marks & Spencer

Cashmilon™ Leopard Print Scarf, at Marks & Spencer
Keep warm, cosy and stylish in this fashionable leopard print scarf made from supersoft cashmilon™

Belted Crop Denim Jeans, at MarksandSpencer
Get a chic summer look with these cropped belted jeans. Just add a t-shirt and flat pumps Comes with belt shown in image

Danie de Wet Chardonnay sur Lie 2008, Robertson - Case of 6, at Mark's & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: South Africa Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13.5% Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites This product is not available for international delivery. Find out more

Handcrafted Glitter Heart Valentine Card, at Marks & Spencers
Cover Text: Love Be mine You are my best friend Be my Valentine Love is all you need! Will be yours always! I heart you Hearts Flowers Kisses Inside Message: Happy Valentine's Day Approx size: 15 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Medium Silver Bursts Gift Bag, at Marks & Spenser
1 gift bag with tag Double handle Circle spot design

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Money Direct you can keep the cost of your Car 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 Car Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spencer, 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 Car Insurance from M+S Money, you get more, and you pay less.