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 & Spencer 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 & 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 Marks & Spencer 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 Marks & Spencer Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

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

Also, on both Marks & Spencer 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.

Marks & Spencer 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 Marks & Spencer 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&Spencer 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Limited Collection Plain Padded Plunge Bra, at M+S
Fun and fabulous, this t-shirt bra is part of our Limited Collection lingerie. It's perfectly smooth so you won't get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Albany Cereal Bowl, at Marks & Spencer
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

Glacier Necklace & Earrings Set, at Marks&Spencer
2 piece set Hook fastening drop style earrings Clasp fastening mixed bead necklace

Silver Band Wine Glass, at Marks & Spencer
Silver band Long stem Wide base Height: 27.5cm Capacity: 35cl, Manufacturer: Marks & Spencer

3 Assorted Boxers, at Marks n Spencer
Fashionable and hardwearing, these boxers offer comfort and reliability at a great value price

Autograph Leather Bump Toe Lace-Up Shoes, at Marks and Spencers
Square bump toe Lace up Stitch detail 5 eyelets Block heel Available in half sizes

Scooter Boy Age 5 Birthday Card, at Marks&Spencer
Cover Text: 5 today, HOORAY! Inside Message: Happy birthday! Approx size: 174 x 126mm

Autograph Embroidered High Leg Knickers, at Mark & Spensers
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Straight Leg Crease Resistant Trousers, at Marks & Spencers
Stay smarter for longer with these innovative crease resistant trousers

50/50 Bed Linen - Flat Sheet, at Marks and Spencer
Single: L260 x W178cm Double: L260 x W228cm King size (5ft): L275 x W275cm Super king size (6ft): L275 x W310cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

La Borie Merlot 2008 - Case of 12, at Marks & Spencer
Grape variety: 100% Merlot Country of origin: France Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 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

Per Una Pure Linen A-Line Skirt, at Marks and Spencers
A feminine A-line skirt in pure cool linen, featuring floral embroidery

Peter Rabbit Multipack of Cards, at M+S
Cover text: Both designs: Easter greetings Inside message: Both designs: blank for your own message Pack contains: 4 cards, 2 designs Approx size: 70 x 145mm BEATRIX POTTER™ Frederick Warne & Co. 2009 Frederick Warne & Co. is the owner of all copyrights and trademarks in the Beatrix Potter characters names and illustrations. Licensed by opyrights group

Bright Flowers Slim Diary, at Marks and Spencers
Week to view Spiral bound Bright floral design Dimensions: 165 x 90mm (including binding)

Cross Dye Stitch Detail Quilted Bedcover, at Marks & Spencer
Cross dye design Stitch detail, Manufacturer: Marks & Spencer

Portfolio Short Sleeve Nehru Collar Blouse, at M+S
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

Royal Jelly & Pure Honey Rich Crème Bath, at M&S
Natural skin nutrition 500 ml

Stainless Steel Rectangular Mirror, at Marks & Spencers
Freestanding Tilt base Rectangular H22 x W16cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Earth Spa Moisture Quenching Body Gel, at Marks and Spencer
To replenish and pamper 300ml Ingredients: Aqua , Cyclomethicone, Alcohol Denat. Glyceryl Polymethacrylate, Glycereth-26, Phenoxyethanol, Biosaccharide Gum-1, Sodium Carbomer, Limonene, Carbomer, Glycerin, Benzyl Alcohol, Citrus Aurantium Dulcis Oil, Methylparaben, Benzophenone-4, Linalool, Aloe Barbadensis, Disodium EDTA, Butylparaben, Citrus Aurantium Bergamia Oil, Sodium Hydroxide, Propylene Glycol, Ethylparaben, Citrus Medica Limonum Oil, Pelargonium Graveolens Oil, Propylparaben, Orchis Mascula, Isobutylparaben, Plumeria Alba, Parfum, Propylene Glycol Dicaprylate/Dicaprate, Eugenol, Citrus Aurantifolia Oil, Citrus Nobilis Oil, Pogostemon Cablin Oil, Citronellol, Geraniol, Benzyl Benzoate, Citral, Xanthan Gum, CI 14700

Per Una Spot Print Balcony Bra, at Marks & Spenser
Feminine and delicate, this stylish bra features lace detail and spot print. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

Per Una Styled Modal Rich Floral Padded Bra, at Marks and Spencers
Fresh and feminine, this feminine bra is made from a soft comfortable modal rich fabric. Soft padding and underwiring give support and an enhanced natural shape. Pretty everyday fashion

Ceriso Silk Rich Spot Print Bikini Knickers, at M&S
Flirty and fashionable, these modern silk mix bikini knickers feature a lace trim and a spot print. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Autograph Pure Silk Sprig Tie, at Marks & Spencers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Embroidered Wide Leg Front Knot Opaque Beach Trousers, at Marks & Spensers
Fashionable and flattering, this chic embroidered opaque beach trouser features front knot fastening. A stylish modern look

Pink Wrapping Accessory Pack, at Marks&Spencer
1 flower sticker 1 blue ribbon 1 pink ribbon 1 pink spotty ribbon Ribbon lengths: 1.5m Bow: 105mm diameter

5 Younger Girls' Pure Cotton Lace Trim Briefs, at Marks & Spencer
Fun and fabulous, this pack of 5 cotton briefs makes a great way to stock up on essential style

Spot Design Shower Curtain, at Mark's & Spencer
Spot print design, Manufacturer: Marks & Spencer

Cotton Rich Heart Print Bikini Knickers, at Marks & Spensers
Pretty and feminine, these cute heart print bikini briefs sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Machine Washable Flat Front Stripe Trousers, at Marks & Spenser
aspirational copy

Autograph Malva Chair, at M & S
H75 x W75 x D90cm Seat H42cm (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 Swivel metal base instead of feet 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 All of our fabrics are treated with Stain-Defence& trade; - 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money 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 & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencer Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencer Money website.