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 & Spencers are so useful. M+S Money financial products are, of course, designed to make Marks n 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencers Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money Buildings & Contents 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 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 n Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencer 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 Marks and Spencers, 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 M&S Finance, you get more, and you pay less.

Personalised Planner Family Organiser, at Marks and Spencer
Personalise your calendar by adding photos of your nearest and dearest ones Includes a pen and a memo pad for important messages and an elastic cord, complete with mini pegs, to secure invites, letters and other important bits and pieces Approx. size: 330 x 430mm

Pure Linen 3/4 Length Pintuck Front Shirt, at Marks & Spencers
For casual elegance, you can't beat this pintuck feature top. A great value linen essential

Pure Cotton Matinee Cardigan, at Marks & Spencers
Knitted in pure cotton, this cute hooded cardigan will keep them warm and comfy. It looks cuddly too!

Per Una 3/4 Sleeve Jersey Top, at Marks and Spencer
A beautiful jersey top, featuring contrasting chiffon sleeves. Gathered detail gives it the Per Una touch

Satin Trim Bootleg Linen Blend Trousers, at Marks and Spencer
Fashionable and fabulous, bootleg trousers flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style

Post Surgery Criss Cross Swimsuit, at Marks and Spencer
Feminine and flattering, this swimsuit has been especially designed for a perfect fit and great support after surgery. Every element has been considered for maximum comfort against delicate scar tissue and it's been extensively tested so every part stays in place

Mini Brain Builders Card Game, at Marks and Spencer
Number of players: 1+ Suitable for ages 8+ Pack contains: 90 large cards, instructions and card holder Approx. card size: 83 x 116mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Stripe Cropped Pyjamas, at Marks & Spencer
Pretty and feminine, these stripe cropped pyjamas are made from soft breathable cotton for a comfortable night's sleep

Pure Cotton Matinee Cardigan, at MarksandSpencer
Soft and snuggly, this practical pure cotton cardigan will keep her feeling warm and comfortable

Pure Silk Floral Embroidered Tie, at Marks & Spenser
Add a luxurious finishing touch with this floral embroidered tie in pure silk

Lace Trim Full Slip, at Marks and Spencer
A cling resistant slip which feels super slinky and drapes beautifully to enhance the look of your dresses. It's designed to keep you feeling cool, dry and comfortable. It can be worn as a V-neck or round neck

Pure Cotton Shirt & Stripe T-Shirt Set, at Marks and Spenser
This fashionable layered look is a 2 piece set - a short sleeve shirt and a long sleeve stripe t-shirt both in soft comfortable cotton fabric. Stylish, practical and easycare

Per Una Scoop Neck Ruffle Front Top, at Marks & Spencer
An elegant fine stripe top featuring cap sleeve and rear keyhole detail. The tiered ruffle design gives it the Per Una touch

Pure Cotton Oxford Wide Stripe Shirt, at Marks & Spencers
Stylish and innovative, this wide stripe easycare shirt is quick and easy to iron for a smart crisp look

Blue Harbour Heritage Pure Cotton Fine Stripe Rugby Top, at Marks & Spencer
Casual and relaxed, this stripe rugby top is made from pure cotton so it's soft, breathable and comfortable to wear

Limited Collection Sleeveless Crochet Top, at Marks n Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

First Readers Goldilocks & the Three Bears, at Marks & Spencers
Based on the traditional folk tale 'Goldilocks and the Three Bears', this vibrantly illustrated story is sure to become a favourite in every home. Follow the naughty Goldilocks into the house of the three bears, and see what happens when they come home and find her!

2 Older Boys' Pure Cotton Assorted Design Shorties, at Marks and Spencer
Soft and comfy, this 3-pack of pure cotton shorties features a stripe and check design

Woven Silk Plain Tie with Stain Defence™, at Marks and Spencer
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Pure Cotton 3/4 Sleeve Spot Print Top, at Mark & Spencers
Pretty pintuck and spot print makes this soft cotton top extra special

Emily Chair, at Marks & Spencer
H100 x W80 x D103cm Seat H40cm, arm H53cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam 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 a natural finish 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 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 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

Autograph Leather Punch Lace-Up Shoes by Jeffery-West, at Marks & Spenser
Round toe Punch detail 2 eyelets Lace-up Block heel Apron design Designed exclusively for Autograph by Jeffery-West

Autograph Mock Layer Crew Neck T-Shirt, at Mark & Spensers
Whether you're heading for bed or relaxing at home, this comfortable t-shirt is great for chilling out in style. Mix and match with our pyjama bottoms

Girls' Limited Double Breasted Stripe Cardigan, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Limited Collection Wood Bead Necklace, at Mark's & Spencer
Tie fastening Wood bead design Cord chain Necklace length 69cm

Champagne Flutes Congratulations Card, at Marks&Spencer
Cover text: Congratulations Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Spots and Stripes Large Gift Bag, at Marks and Spencer
Pack Contains: 1 gift bag Approx Size: H: 420 mm, W: 300 mm, D: 100 mm

Letters on a String New Baby Girl Card, at Marks & Spencer
Cover text: Baby girl Inside Message: Congratulations Approx. size: 150 x 150mm

Animal Print Halterneck Bikini Top, at Marks & Spencer
Stylish and elegant, this fashionable bikini top features a striking animal print. A fabulous fashionable look

Leather Lace Up Tramline Shoes, at Marks & Spencers
Square toe Stitch detail Lace up Tramline design Block heel

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