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 Financial Services 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, 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 Financial Services 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 Financial Services Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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

• M&S Insurance: M&S Motor Insurance, M&S Buildings & Contents 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 & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spensers Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

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

Collezione Multi-Coloured Check Cufflinks, at Mark's & Spencer
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Summer Manor Pasta Bowl, at Mark & Spensers
Floral trim design Dishwasher and microwave safe, Manufacturer: Marks & Spencer

Autograph Leather Block Heel Boots, at M&S
Pointed toe Stitch detail Knee high Block mid heel Heel height: 75mm Comes in sizes 3-8, including half sizes

Football Keyring, at Marks and Spencer
You'll never lose your keys again with this eye-catching keyring

Kaituna Hills Reserve Cabernet Merlot 2006 - Case of 6, at Mark's & Spencer
Style: Full bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: New Zealand Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Footglove™ Leather Panel Trouser Shoes, at Marks & Spenser
Round toe Panel design Stitch detail Buckle feature Slip-on Heel height 48mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Angular Prail Necklace, at Mark & Spencers
Clasp fastening Adjustable length Knotted cord chain Angular bead design Necklace length 40cm, extendable by 8cm

Autograph Bow Clutch Bag, at Marks and Spencer
Fashionable and practical, this clutch bag is a useful accessory with bags of style!

Citronella Tealights - Bag of 50, at Marks and Spencer
Contains: 50 t-lights Up to 5 hours burning time for each, Manufacturer: Marks & Spencer

Classic Collection Mini Check Straight Leg Trousers, at Mark's & Spencer
Smart and stylish, these straight leg mini check trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Crew Neck Jumper, at Marks & Spencers
Modern and stylish, this jumper features a round neck. A versatile, easywear style

Gold Spot Bursts Large Gift Bag, at Marks & Spencer
1 gift bag Spot design Approx size: H420 x W300 x D100mm

2 Pairs of 10 Denier Shaping Matt Tights, at M & S
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Pure Silk Woven Multi Stripe Tie, at Marks & Spensers
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Magic Firm Control Smooth DD-G Body, at M+S
This clever body works like magic with targeted control areas to shape you where you need it most. It's comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Italian Collezione Micro Square Stripe Tie, at Marks&Spencer
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

5 Cotton Rich Animal Print Bikini Knickers, at Marks & Spencer
These animal print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Fruit Basket, at Marks n Spencer
A seasonal selection of high quality fruit Contents may vary seasonally Presented in a wicker basket lined with fabric Basket dimensions: H110 x W350 x D285mm Price includes delivery Available for delivery from 1st April to 30th June 2009 Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Pull Along Dog n' Bone Phone, at Marks&Spencer
Suitable for ages 0-3 years Featuring a flashing nose, shaking head and fun 'walking' action Removable phone rattle with fun noises and melodies on the keypad This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Portfolio Knitted Longline Cardigan, at Mark & Spencers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

100 Denier Footless Opaque Tights, at Marks and Spencers
These comfortable 100 denier footless opaque tights are made with added stretch

PlayStation®2 SmackDown Vs Raw 2008 Game, at Mark & Spencers
Eight megastar fighting styles Brand new struggle submission system Encompasses a variety of megastars, arenas and weapons Includes significant updates requested by fans Enhanced online community support 2007 Sony Computer Entertainment Europe You must be 16 years of age or over to purchase this product 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, ESRB Rating: Teen

Pure Cotton Short Sleeve Floral Print Shirt, at Marks and Spencer
A contemporary floral print makes this cotton shirt a trend-conscious choice for fashionable boys. Stylish, practical and easycare

Central Coast Syrah 2005 - Case of 6, at Marks and Spencer
Style: Medium bodied Grape variety: Syrah Country of origin: USA Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Double Bridge Sunglasses, at Marks and Spenser
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Autograph Modal Vest, at Marks and Spencers
Ideal for layering, lounging or sleeping in, these comfortable, easy to care for vests are an essential part of any modern man's wardrobe

Adored Pure Cotton Stripe Minishirt, at Marks and Spencer
Stylish and elegant, this flattering stripe minishirt is part of our feminine Adored collection. It's made from soft pure cotton for the ultimate in comfort

Long Faux Pearl Necklace, at Marks & Spencers
Long chain Clasp fastening Mixed faux pearls Necklace length 40cm

Pots and Containers Book, at M & S
A beautiful range of 5 gardening titles, full of inspiring ideas and tips both for the novice and more experienced gardener. From pots and small backyards to larger gardens, feel confident in choosing the right flowers and shrubs for the right place all year round! Packed full of wonderful colour photography, these books will prepare and motivate you to garden

Pocket Size Sticker Book, at Marks and Spenser
This pocket sized book will keep them busy as they look for an incredible 500 stickers inside! Locate the 500 stickers and fit into the right slots on various different themes

M&S Financial Services 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 Motor 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; Motor Insurance and Buildings & Contents 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 Buildings & Contents 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.