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

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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while MarksandSpencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days M & S, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

3 Pairs of Older Girls' Plain Shorts, at Marks & Spensers
Comfortable, practical and fashionable, this 3 pack of plain shorts makes a great way to stock up on style

Graphic Floral Thank You Card, at Marks and Spencer
Cover text: Thank you Inside message: Blank for your own message Approx size: 150 x 150mm

Pure Cotton Crew Neck Assorted Stripe Jumper, at Marks and Spencer
Soft, snug and comfy, this knitted jumper is outstanding value. A practical easycare style

Chunky Chip Shell Necklace, at Marks and Spencers
Adjustable length Clasp fastening Multi strand Mixed shell beads Circular pendant Necklace length 41cm, extendable by 8cm

Autograph Weekend Modal Rich Nightdress, at Marks & Spencer
Modern and sophisticated, this v-neck nightdress is part of our exclusive Autograph Weekend collection. It's beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Thomas Moving Engine Puzzle, at Mark & Spensers
13 pieces Suitable for ages 12 months to 3 years This product conforms to the EN71 and the Toy Safety Directive 2007 Gullane (Thomas) Limited, Manufacturer: Marks & Spencer

125 Years Limited Collection Cotton Rich Racer Back Bra, at Mark's & Spencer
Fun and fabulous, this cotton rich bra is part of our Limited Collection lingerie. Its perfectly smooth so you wont get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Blue Harbour Short Sleeve Linen Rich Stripe Polo Shirt, at Marks and Spenser
Stylishly smart casual, this polo shirt is made from linen rich fabric so it's soft, breathable and comfortable to wear

Scoop Neck Vest Top, at Marks & Spencers
This sleeveless top will make a useful addition to your wardrobe. It features a smart scoop neck for a stylish casual look

Limited Collection Low Strap Shoe, at Marks and Spencer
Round toe Mid heel Buckle fastening Comes in sizes 3-8, including half sizes

Hooded Faux Fur Trim Jacket, at Marks and Spencer
Fashionable and practical, this hooded coat is outstanding value. An easycare style at a great price

Patch Jacquard Throw, at Marks and Spencers
Jacquard design Tasselled trim, Manufacturer: Marks & Spencer

Sweetie Stretch Bracelet, at Marks and Spencer
Stretch style Multi bead design

Garmin® nüvi® 1340 Satellite Navigation System, at Marks & Spencers
Maps: Preloaded with street maps for Western Europe, including the UK and Ireland Directions: Lane Assist to show you to the correct lane for upcoming junctions Display: 9.7 x 5.7cm, 480 x 272 pixels Display type: WQVGA color TFT with white backlight Accepts data cards: microSD™ card (not included) Battery life: up to 4 hours Battery Rechargeable lithium-ion Dimensions: W12.2 x H7.5 x D1.6cm Weight: 161.6g Compatible with Windows 2000 or later and Mac OS X 10.4 or later Only 15mm thick ideal for use in and out of the car Premium, subscription-free traffic alerts Public Transport & Pedestrian mode with optional cityXplorer™ download New optional AA City Guides for restaurant listings, attractions and more Garmin's unique speed camera warnings (database updated daily)

4 Bude Mugs, at Marks and Spencers
Set of 4 Suitable for everyday use Ribbed detail H9cm, Manufacturer: Marks & Spencer

Sleeveless Burn Out Floral Rib Vest, at Marks and Spencers
This fashionable soft top features stylish burnout rib design for a fresh modern look

M&S 22'' HD Ready LCD TV with Built-in DVD Player - Black, at Marks&Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device HD Ready: 1080i, 720p Display: 22 inch flat screen, 1680 x 1050 pixels Contrast Ratio: 700:1, Dynamic 3500:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H45.5 x W54 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player Use wall mount

Blue Harbour Pure Cotton Chino Shorts, at Marks and Spencer
Think smart on those warmer days and nights with the design of these great value shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Petite Pure Cotton Funnel Neck Coat with Belt, at Marks n Spencer
Modern and stylish, this funnel neck coat features flap pockets. A contemporary style in superior fabric, it will instantly update your wardrobe. Specially designed and perfectly proportioned for the petite frame.

M&S 19'' HD Ready LCD TV with DVD Player & iPod® Dock, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch LCD, 1280 x 800 pixels Contrast Ratio: 400:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Connectors: 1 x HDMI input, 1 x scart socket Built-in DVD Player: Plays DVD and CDs Built-in iPod Dock: Plays music and videos from the iPod through the TV and charges your iPod iPod remote Control all iPod functions from the TV remote iPod docking station compatible with Classic 5th & 6th generation, Nano 2nd & 3rd generation, iTouch and iPhone Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mount T042100 to perfectly mount this TV 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

Single Sprung-Edge Divan with 2 Large Drawers, at Marks and Spencer
Single: W90 x L190cm Divan height: H41cm Sprung-edge divan - can be used with any mattress 2 x large drawers Drawer size: H14 x W78 x D52cm Choose either left or right-hand drawers Feet are castors Solid wooden frame All divans are manufactured in the UK All our mattresses and divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep 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

Cross Dye Quilted Bedcover, at Marks and Spenser
Stitch detail Padded Medium: 150x200cm Large: 260x265cm, Manufacturer: Marks & Spencer

Hooded Block Panel Coat, at Marks & Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Per Una Panelled Cord Skirt, at Marks & Spensers
A sophisticated mid-calf length skirt in a soft cotton blend featuring a panelled design

Bare Cooling Slip Resist 7 Denier Tights, at M&S
These clever 7 denier tights are so sheer that it's almost as if you're not wearing tights at all. They're uniquely designed to release cooling bubbles as you move, leaving you feeling fresh all day. Silicon bands keep them from slipping out of place

Miele S5211 Standard Cylinder Vacuum Cleaner, at Marks and Spencer
4.5 litre dust bag capacity 2200W Sealed system for optimum filtration 10 metre operating radius Motor protection filter Supplied with a Super Air Clean filter 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 a HEPA filter) 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 Standard floorhead SBD 450-3: Suitable for all floor surfaces with extendible brushes Rotary Dial to adjust the suction power for different floorings Silence setting: Ideal combination of low noise level and cleaning performance Telescopic stainless steel tube Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability Bumper strip to protect cleaner and your furniture Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Recommended for Loop Pile carpet Other accessories - upholstery nozzle, dusting brush and crevice nozzle Dimension: 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

Ultimate Non Iron Long Sleeve Stripe Shirt, at Marks n Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

2 Machine Washable Assorted Design Tie, at Marks & Spenser
No more trips to the drycleaners! These smart assorted design ties are machine washable

Pure Cotton Roll Neck Jumper, at Marks & Spencer
Soft and comfy, this warm knitted jumper is outstanding value. A practical easycare style

Black Silver Glass Photo Frame 10 x 15cm (4 x 6"), at M+S
Contrast border Rectangle shape Aperature: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Marks & Spencers Money 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 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 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.