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 financial products are, of course, designed to make MarksandSpencer 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer 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 House 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 n 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 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.

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

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & F400 Pocket Memory Foam Mattress with Coolmax° - Medium, at M & S
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 25cm Divan height: H41cm Large drawers: H14 x W78 x D52cm, small drawers: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Mattress spring count: 1225 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

3 Pure Cotton Stripe Tea Towels, at Marks & Spencer
Pack of 3 Plain edge Assorted designs, Manufacturer: Marks & Spencer

Gold Plated Y Design Necklace & Earrings Set, at Marks & Spenser
2 part set Butterfly fastening stud earrings Y design necklace with clasp fastening and adjustable length Necklace length: 45cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Padded Full Cup Pinstripe Bra, at M+S
Stay on trend at every level with lingerie that looks the business, in this season's city-chic pinstripe

Girls' Limited Ribbon Detail Hat & Scarf Set, at Marks n Spencer
Snug and cosy, this cute hat and scarf is a fashionable choice for chilly weather

Paris (Eyewitness Travel Guide), at Mark's & Spencer
Paris has a seemingly limitless variety of attractions to tempt the visitor. Whether you are interested in a romantic stroll along the Seine or the medieval treasures of the Cluny, or just want to seek out the shopping along les grands boulevards, the "Eyewitness Travel Guide to Paris" has everything you need. Using the unique cutaway maps, floor-plans and 3D models explore state of the art museums, places of worship and architecture, from Gothic Notre Dame majestic Sacre Coeur to the Arc de Triomphe and contemporary Centre Pompidou

Fresh Rose Wax Lantern with Plate, at Marks & Spencer
Wax lantern Fresh rose roomscenter Roomscenter burns for up to 4 hours 15ml roomscenter Comes with candle plate, Manufacturer: Marks & Spencer

Hand Made Presents Birthday Card, at Marks and Spencer
Cover text: Happy Birthday... To You 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 126mm

Blue Harbour Pure Linen Fine Stripe Shirt, at Marks and Spenser
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Jersey Bootleg Trousers, at Marks and Spencer
Smart and practical, these easycare trousers are ideal for school. Added stretch gives a comfortable fit and great shape retention

Pure Cotton Thomas & Friends© Mock Layer Hooded Top, at Marks and Spencers
Fans of Thomas & friends will love this pure cotton mock layer hooded top featuring the popular character. A practical, easycare style

Waxed Leather Cream, at M & S
Waxed leather cream nourishes and revives oiled and waxy leather

Sweet Bergamot Refresher & Burner Oil, at Marks & Spensers
Sweet bergamot scent 15ml, Manufacturer: Marks & Spencer

4 Ruby Mugs - Red, at Mark's & Spencer
Set of 4 Stripe design H9cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Short Sleeve Floral Shirt, at Marks and Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

The Floral Collection Magnolia Bath Cubes, at M&S
Pack of 4 cubes Magnolia fragrance Weight: 4 x 22g

Coupe Side Plate, at Mark's & Spencer
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain Diam 23cm, Manufacturer: Marks & Spencer

Gold Spot Bursts Medium Gift Bag, at Marks & Spenser
1 gift bag Spot design Approx size: H260 x W200 x D90mm

Collezione Luxury Wool Rich Centre Pleat Trousers with Cashmere, at Marks and Spencers
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other

3 Big & Tall Authentic RealCool Cotton™ Keyhole Trunks, at Marks and Spencers
Specially designed to keep you cool and dry, this high performance fabric ensures perspiration is drawn away from the body for rapid evaporation. Soft seams and added stretch create a snug, comfortable fit

Pure Cotton Ottoman Placemat, at Marks and Spencer
Ribbed design Rectangle shape, Manufacturer: Marks & Spencer

Ingredients Shea Nut Bath Cream, at Marks & Spensers
Moisturising 500ml

Pure Cotton Embroidered Fox Hooded Pramsuit, at Mark & Spensers
Cute and cosy, this hooded pramsuit is warmly padded and lined with soft cotton to keep her comfortable

Abstract Flower Wallpaper, at Mark & Spencers
Textured wallpaper Offset pattern repeat 64cm - The pattern runs diagonally across the wall, so only alternating rolls will be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Autograph Floral & Feather Occasion Hat, at Marks & Spencer
Sophisticated and elegant, this occasion hat features a glamorous flower and feather trim. Sure to turn heads at stylish summer events!

Autograph Flock Stripe Padded DD-G Bra, at Marks and Spencer
Luxurious and elegant, this underwired bra features flock stripe design. It's underwired and structured to give fuller busts great support and a flattering enhanced shape. Beautiful exclusive lingerie

Per Una Short Sleeve Embroidered Longline Tunic, at Marks and Spenser
A gorgeous longline tunic featuring a stripe design, the smart embroidered neck trim makes it extra stylish

Autograph Cotton Rich Floral Print Dress & Legging Outfit, at M&S
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Footglove™ Widefit Vented Peep Toe Shoes, at Marks and Spencer
Peep toe Vented design Lace detail Slip-on Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Cotton Rich Padded Balcony Bra, at Marks&Spencer
Ensure a smart exterior with the sleek shape created by the moulded cups and plunge design of this padded bra. Underwiring and added stretch provide all day comfort and support

Marks & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Motor Insurance, but Marks n 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 House 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 (House 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.