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 and Spenser are so useful. Marks & Spencers Money financial products are, of course, designed to make Marks & Spensers 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.

Marks & Spencers 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 & Spencers 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 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, Sainsburys, or Tesco:

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

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks and Spencers 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 Marks & Spencers 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 Marks & Spencers Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (Buildings 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.

Glass Ball Collection - Floor Lamp, at Marks&Spencer
Chrome plated Glass ball detail Square base Cylinder shade H154 x D38cm Bulb: 100W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Australian Rivers & Valleys - Case of 12, at M & S
2 Hunter Valley Chardonnay 2006: Australia's warm, sunny Hunter Valley is world famous for its ripe, generously fruity Chardonnays... 2 Margaret River Semillon Sauvignon Blanc 2007: The Margaret River region, on the coast of Western Australia, is world-renowned for its fine, elegant white wines... 2 Barossa Chardonnay 2006: South Australia's historic Barossa Valley is considered one of the most important wine regions in the country... 2 Hunter Valley Shiraz 2005: Australia's warm, sunny Hunter Valley is world famous for its ripe, generously fruity Shiraz... 2 Coonawarra Cabernet Sauvignon 2004: This is a fine example of a premium Cabernet Sauvignon from one of Australia's most famous red wine regions... 2 Dorrien Estate Bin 442 Shiraz 2006: This Australian red has ripe cassis and red plum fruit with a twist of peppery spice... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Adored Comfort All Over Lace High Leg Knickers, at Marks & Spencers
Soft and pretty, these lace trimmed knickers are made from a soft stretchy blend of modal and cotton

Planted Orchid, at Marks&Spencer
Simply stunning, this white, double-stemmed phalaenopsis orchid is planted and dressed with brushed twigs in a chic, silver ceramic pot Available for delivery from 1st April to 30th September 2009

Single Wick Glitter Candle, at Mark & Spensers
Circular shape Single wick glitter candle Glass holder, Manufacturer: Marks and Spencer

2 Mosaic Seat Pads, at Marks & Spencers
Set of 2 Seat pads for Mosaic stackable chairs Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Abbey Corner Chaise - Left-Hand, at Marks and Spencers
H95 x W291 x D106cm Length L164cm, seat H54cm (all dimensions are approximate) Left-hand chaise - Chaise is on the left side when viewed from the front of the sofa Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions 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 dark 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Younger Girls' Dora the Explorer Sunglasses, at Marks & Spencers
Fun and fashionable, these Dora the Explorer sunglasses give 100% UV protection for safer style in the sun

Autograph Anti-Feathering Lipstick, at Marks and Spencers
Colour rich Anti-feathering Hypo-allergenic

Lurton La Chapelle 2006 - Case of 6, at M+S
Style: Medium bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans 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

Rosina 2-Seater Occasional Sofa Bed, at Marks & Spencers
H85 x W174 x D97cm (extends to L233cm) Seat H47cm (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 Fabric options feature reversible cushions Mattress dimensions: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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 medium 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

Perfect Single Breasted Short Jacket, at Marks and Spencer
The neat cut of this jacket gives it contemporary catwalk appeal. You'll love the soft feel and the fantastic price, too

All Reds - Case of 12, at Mark & Spencers
2 La Tentation de Richelieu 2005: A powerful Bordeaux red which offers a wonderful combination of traditional flavours with ripe fruit concentration... 2 Chianti Riserva 2004: With its subtle, engaging flavours of sour cherry, dark chocolate and baked herbs, this is classic Chianti made in a highly approachable style... 4 Turn the Table Shiraz 2007: A deliciously juicy, fresh style of South African Shiraz that sets a new quality standard for affordable Cape reds... 4 El Tidon Tempranillo Cabernet Sauvignon 2008: A fresh and deliciously fruity red blend from the sunny vineyards of Castilla La Mancha in central Spain... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Older Girls' Permair™ Flower Bar School Shoes, at MarksandSpencer
Round toe Floral detail Single riptape fastening strap Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Per Una Embossed Puff Jacket, at Marks & Spencers
A fashionable single breasted jacket featuring embossed design and gathered stitch detail.

Ben 10 Activity Book, at Mark's & Spencer
Ben Tennyson is just an average 10-year-old until he discovers an alien watch that gives him the power to transform into 10 alien superheroes! Test your knowledge about Ben 10 and his heroic cosmic alter egos in this scratch and show activity book. Rub a coin over the panels to reveal hidden clues, pictures, characters and answers.

Non-Iron Long Sleeve Shirt, at Marks and Spencer
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Sonoma 2 Door Sideboard and Glass Top Unit Set, at M+S
2 door glazed top unit: H110 x W122.5 x D33cm 2 drawer sideboard :H88 x W122 x D50cm 2 door sideboard with 6 shelves Shelves made from safety-tested toughened glass Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Cotton Rich Assorted Bikini Briefs, at Marks & Spencers
These assorted print cotton rich bikini briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Easy Iron Poplin Long Sleeve Shirt, at Marks and Spencer
Smart and stylish, this formal shirt features an odour fighting stayfresh finish that makes it easy for you to stay cool, crisp and comfortable throughout the day

Per Una Asymmetric Hem Check Coat with Wool, at Marks and Spencer
A fashionable check design coat featuring asymmetric hem and large jewel brooch.

Villa Masera Bianco Veronese 2006 - Case of 12, at Marks & Spencer
Style: Dry, medium bodied Grape variety: Garganega Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Tupungato Chardonnay 2007 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Pure Cotton Sleeveless Broderie Vest, at Marks n Spencer
A broderie design makes this soft cotton vest top fabulously fashionable

Airflex™ Comfort Side Stripe Mudguard Trainers, at Marks & Spencers
Round toe Stitch detail Lace-up Fresh Feet antibacterial lining for odour free feet Lining absorbs moisture so feet stay dry Unique Airflex™ airflow system for unbeatable comfort Lightweight, flexible and durable Heel cushion and arch

2 Easycare Long Sleeve Stripe Shirts, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Pure Cotton Short Sleeve Graphic T-Shirt, at Mark & Spencers
Chic and modern, this short sleeve t-shirt is made from cool comfortable cotton and features a graphic print

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

Dyson Origin DC14 Upright Vacuum Cleaner, at Marks & Spencers
Telescope Reach™ wand: Wand and hose extend for high reach and stair cleaning while the vacuum remains upright and stable Root Cyclone™ technology: Dyson vacuum cleaners separate dirt from the air by centrifugal force. It spins the air incredibly fast and the dust and dirt is flung out into the clear bin™. Suction is maintained as there is no bag to become clogged Hygienic and quick to empty: Dyson design minimises risk of contact with dirt Suction power: 280 airwatts (constant). The power of a vacuum cleaner is best measured in airwatts (suction power). Motor wattage simply tells you how much electricity a cleaner uses Expels only clean air: Air expelled from a Dyson has 150 times less mould and bacteria than the air you breathe. Dyson technology captures particles as small as pollen, bacteria and mould spores Carpeted floors: This Dyson model is recommended for carpeted floors Auto carpet height adjustment: Maintains constant contact with the carpet to maximise dust pick-up Bin capacity: 2.7 litres Durable tough construction: Made from the strongest materials available to withstand bumps and bashes Clear bin™: Tough polycarbonate bin lets you see when it needs emptying No bags or filters: No extra costs and your vacuum doesn't lose power as you clean Cord length: 9.3 metres Maximum reach: 14.5 metres Dimensions: H1101 x W335 x D340mm Weight: 8.2 kg Includes: Brush tool, stair tool, crevice tool, operations manual and quick start guide 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

Per Una Tencel® Zingy Trousers, at Marks and Spencer
A fashionable straight leg pair of trousers in pure tencel with an on the waist design and side pockets

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

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

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