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

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

Also, on both M&S 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.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spencers 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 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 & Spencers, 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.

North Coast Pure Cotton Long Sleeve Ribbed Trim Top, at Marks & Spencers
Fashionable and relaxed, this long sleeve top is made from pure cotton it's soft, breathable and comfortable to wear

Hand Finished Characters & Text Mother's Day Card, at M&S
Cover text: BEST MUM IN THE WHOLE WIDE WORLD! Inside message: With love on Mother's Day Approx size: Unfolded: 178 x 126mm

Philips ID9371B Cordless Phone with Answering Machine, at Marks n Spencer
250 name and number phonebook 50 SMS storage capacity 30 call log entries 15 minutes recording time Plug and play answering machine Call waiting Tone and pulse dialling Enhanced speakerphone for real-life hands-free conversations Talktime up to 12 hours, standby time up to 140 hours SIM-card copying facility GAP compatible Registers up to 6 handsets to 4 base Caller ID and microphone mute feature White backlit inverse display

Faux Leather Biker Jacket, at Marks & Spensers
Modern and stylish, this faux leather biker jacket looks like the real thing. It's water resistant and machine washable too. Contemporary fashion at an amazing price so you can look your best for less

Handmade Flowers Slim Diary, at Mark's & Spencer
Floral design Approx. size: 165 x 80mm

Autograph Pure Silk Tie, at Marks n Spencer
Add a luxurious finishing touch with this contemporary floral pattern tie in pure silk

Short Sleeve Wavy Knitted Shirt, at Marks & Spencers
Smart and stylish, this wavy knitted shirt is made from stretch fabric for a flattering and fashionable fit

Cocktails 18th Birthday Card, at Marks & Spensers
Approx. size: 215 x 150mm Cover text: Happy 18! There's something extra-special about an 18th birthday... Inside message: ...especially when it's yours! Have a wonderful day, with lots of love

Younger Girls' Buckle Shoes, at Marks & Spencers
Round toe Single strap with buckle fastening Contrast lining Flat sole Comes in sizes 4-13

Single Dendrobium Orchid, at Marks & Spencer
This exotic, majestic orchid - beautifully enhanced by its understated white glass pot - will make a really unforgettable present Available for delivery from 1st July to 30th September 2009

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

Circular Stool, at Marks & Spencers
H31 x Diam 86cm (all dimensions are approximate) Top cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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™ - 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 08457 624 624 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

Pure Cotton Lightweight Flap Pocket Chinos, at Marks & Spenser
A great smart casual look for summer, these flap pocket chinos are made from soft cotton and offer a comfortable, relaxed fit

Per Una Trio Eye Colour, at Marks and Spencer
Hypoallergenic

White Spiky Flower Birthday Card, at Marks and Spencers
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Enamel Butterfly Compact Mirror, at MarksandSpencer
Circular shape Butterfly design Push clasp fastening

5 Cotton Rich Assorted High Leg Briefs, at Marks and Spencer
These low rise cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pure Cotton Floral Embroidered Tablecloth, at Marks and Spenser
Embroidered floral detail, Manufacturer: Marks & Spencer

Linen Blend Sleeveless Shell Top, at Marks & Spencers
This sleeveless top will make a useful addition to your wardrobe. It features pretty pintuck detailing for a stylish casual look

Maternity Cotton Rich 3/4 Sleeve Ruched Top, at M&S
Relaxed and casual, this cotton rich top is designed to flatter you and your bump. The ruched style and clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Pure Cotton Short Sleeve Polo Shirt, at Marks and Spencer
A stylish smart-casual look, this short sleeve polo shirt in pure cotton features contrast stitching. Practical, comfortable and easycare

North Coast Pure Cotton Bootleg Jeans with Belt, at Marks & Spencer
Relaxed and comfortable, these bootleg jeans give a fashionable casual look

50/50 Panelled Bedset, at Marks and Spencer
Panelled Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Kingsize set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Sherberts Anniversary Chandelier Card, at Marks & Spencer
Cover text reads: Happy Anniversary Inside is blank for your own message Approx size: 125mm x 178mm

Non-Iron Small Grid Check Shirt, at M & S
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

Autograph Snag Free Loop Hairbands, at MarksandSpencer
Set of 5 Plain Hair loops without metal clasp to ensure hair is not snagged

Single Sprung-Edge 2 Drawer Divan & Autograph M500 Mattress - Medium, at Mark's & Spencer
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm 2 large right- or left-hand drawers Divan drawer size: H15 x W78.4 x D53cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Hard-Top Non-Storage Divan & M100 Mattress, at Marks n Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 21.5cm Divan height: 41cm 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

Snake Band Hipster Bikini Bottoms, at Marks and Spencers
Stylish and elegant, these fashionable bikini bottoms feature a pretty snake print band. The ultimate in poolside glamour

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