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 Spencer are so useful. M+S 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, 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.

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

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

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 Home 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 & Spensers, 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.

Autograph Spot Print Brazilian Knickers, at Marks and Spencer
Glamorous and sexy, these figure-hugging Brazilian briefs are made from soft fabric trimmed with fine lace. The shapely Brazilian style looks very modern and gives a flattering fit. Beautiful exclusive lingerie

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

Per Una Wool Blend Cape Cardigan, at MarksandSpencer
A fashionable 3/4 sleeve cardigan in soft wool blend. The cape style makes it extra stylish

Pure Cotton Scoop Neck T-Shirt, at Marks n Spencer
Smart and stylish, this scoop neck t-shirt is made from cool comfortable cotton and features a stripe design

Pure Silk Lightweight Bold Abstract Border Paisley Scarf, at Marks & Spencer
This sophisticated multi spot scarf is the perfect accessory to this season's fashions. The abstract paisley border design a stylish finishing touch

Pure Linen Short Sleeve Embroidered Shirt, at Marks and Spenser
This short sleeved shirt will make a useful addition to your wardrobe. It features pretty floral embroidered details for a stylish casual look

Total Care Dental Kit, at Marks and Spencer
Includes toothpaste, toothbrush, floss stick and 2 toothpicks Comes in plastic case This product is not available for international delivery. Find out more

Linen Blend Sleeveless Ruffle Trim Dress, at Marks & Spencer
Fresh and cool, this linen dress is stylishly detailed with a ruffled v-neck and two front pockets

Fenton 2-Seater Sofa, at Marks and Spencer
H90 x W188 x D103cm Seat H51cm, arm H63cm, top back rail H76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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 dark finish All sofas include 2 arm bolsters 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 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 0845 603 1 603 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pretty Floral Wife Anniversary Card, at Mark & Spensers
Cover text: To my wonderful wife on our anniversary, When I married you, I thought I couldn't love you more, But now I know I do Inside message: Happy anniversary Approx size: Unfolded: 176 x 126mm

Pure Cotton Long Sleeve Pleated Shirt, at Mark's & Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary pleat detail

Per Una Pure Cotton Stripe Knitted Tunic, at Marks & Spensers
A fabulous longline knitted tunic in pure soft cotton featuring a stripe design and rear waist tie feature

Autograph Leather Thong Punch Monk Shoes by Jeffery-West, at Marks and Spencer
Square toe Stitch detail Buckle fastening Punch design Block heel

Animal Alphabet Puzzle, at Marks & Spencers
From Anna the ant to Zach the zebra, this fun puzzle has an animal for every letter of the alphabet! Piece together the bright and colourful scene as you learn about letters as well as creatures from all over the world. 30 piece puzzle

Dragon Fly Gift Card, at Marks and Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Blue Harbour Heritage Pure Cotton Open Check Shirt, at Marks & Spencer
Relaxed and stylish, this open check shirt is made from pure cotton so it feels soft and comfortable to wear

Andante Round Pasta Bowl, at Marks and Spenser
Ideal for everyday use, durable Plain Diam 23cm H4.5cm, Manufacturer: Marks & Spencer

3 Pack Easy Short Sleeve Shirts, at Marks and Spenser
Smart and stylish, this pack of 3 short sleeve easycare shirts is great value. An ideal choice for everyday wear

Blue Harbour Pure Cotton Oxford Check Shirt, at Marks and Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Gingerbread Print Reversible Bedset, at Marks & Spencer
Gingerbread print Reversible Set includes single duvet cover and pillow case Duvet cover: L198 x W137cm Pillowcase: L76 x W48cm, Manufacturer: Marks & Spencer

Large Bingley Bear Rosette Dad Birthday Card, at Marks & Spenser
Cover text: Happy birthday, Champion Dad, 1st Inside message: You're always a winner Approx size: 220 x 220mm

Autograph Leather Low Cage Sandals, at Marks & Spencer
Open toe Contrast layer strap detail Rip tape fastening Low heel Heel height: 30mm Comes in sizes 3-8, including half sizes

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

Per Una Short Sleeve Eccentric Lace Top Set, at Marks & Spensers
An elegant eccentric print lace top in soft stretch fabric featuring a camisole and necklace

7 Pairs of FreshFeet Assorted Stripe Socks with Silver Technology, at Marks & Spenser
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Per Una Pure Cotton Stripe Kaftan, at Marks & Spenser
A fashionable stripe kaftan in pure soft cotton. The corsage design on the neckline makes it extra stylish

Patch Kitten Bedset, at Marks&Spencer
Kitten design Floral detail Single set includes single duvet cover and 1 pillowcase Double set includes double duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Blue Harbour Floral Side Panel Swim Shorts, at M&S
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

Chorus Shell Necklace & Earrings Set, at Marks and Spenser
2 part set Multi layer design Shell disk detail Adjustable length Hook fastening, drop style earrings

Mesh Holiday Sequin Shopper Bag, at Marks & Spencers
Functional and stylish, this colourful shopper bag is ideal for carefree days on the beach or shopping at home

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks & Spencer 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, 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 & Spencer insurance products in document format too.