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

M+S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car 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 Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco's:

• 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 Car 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.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but Marks and 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 M&S Finance 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 Buildings 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 (Buildings Insurance, Car 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 M&S insurance products in document format too.

Girls' Limited Zip Cardigan, at Mark & Spencers
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

3 Older Boys' Cotton Rich Bart Simpson Trunks, at Marks&Spencer
A must for fans of the Simpsons, these cotton rich trunks feature skateboard Bart motifs

4 Windsor Tall Tumblers, at Marks and Spencer
Set of 4 Dishwasher safe 38cl H15cm, Manufacturer: Marks & Spencer

Cross Strap High Heel Shoes, at Marks and Spenser
Heel height: 85mm Almond toe Elasticated cross strap Slip on High heel Comes in sizes 3-8, including half sizes

Limited Collection Chiffon Sleeve Crochet Shrug, at Marks & Spenser
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Print Your Own Graphic Heart Wedding Invitations, at MarksandSpencer
Heart & bow design Pack Contains: 10 x invitations, 12 x folded insert sheets, 10 x coordinating envelopes, 10 x ribbons, 1 x sheet of glue dots, 1 x instruction leaflet, N.B. The CD-ROM is not included in the pack and is available separately. Approx size: 154 x 110mm The cards in this pack are made with material from FSC certified sustainable forests Download free software to personalise the stationery

Autograph Pure Silk Spot Check Tie, at M&S
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

Shades of Pink, at Marks & Spencer
5 Malibu Roses 5 Anastasia White Blooms 5 Dark Pink Spray Roses 5 Ruscus 75cl bottle of Cava Brut Licensing Act 2003: it is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Available for delivery from 1st April to 30th September 2009 Price includes delivery Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more Vase not included

M&S Internet Security Software, at Marks and Spencers
A comprehensive security and back-up suite Protects identity Latest generation anti-virus Award winning anti-spyware Online fraud protection Anti-spam Parental control Automatic daily updates Back-up online This product is not available for international delivery. Find out more

3 Piece Box Mirror Set, at Marks & Spencer
3 Piece set Rectangular H58 x W28cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Step Ladder Bookcase - Espresso, at Marks & Spensers
H190 x W60 x D39.5cm Lean-to shelving unit Crafted from rubberwood Delivered flatpack due to size Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Younger Boys' Pure Cotton Classic Slips, at Marks and Spenser
A practical choice with a selection of colours, an easycare cotton weave translates into a practical solution for soft, easy to wear comfort

Country Bunch Family Home Card, at Marks and Spenser
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Collezione Wool Blend Double Collar Coat, at Marks & Spencer
Casual sophisticated and contemporary, this double collar coat is inspired by Italian tailoring

Per Una Pure Linen Panel Skirt, at MarksandSpencer
A fashionable knee length skirt in pure cool linen, the panel design makes it extra stylish

Autograph Long Sleeve Hairline Stripe Shirt, at Marks and Spencers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Per Una Bloomsbury Broderie Top, at Marks & Spencers
A casual sleeveless top in pure soft cotton. Broderie details give it the Per Una touch

Chardonnay VdP Côteaux de Tannay 2008 - Case of 6, at Marks & Spencers
Grape variety: 100% Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Cashmilon™ Leopard Print Scarf, at M & S
Keep warm, cosy and stylish in this fashionable leopard print scarf made from supersoft cashmilon™

Collezione Pure Cotton Single Breasted 2 Button Jacket, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

TomTom XL IQ Routes™ Edition Europe Satellite Navigation System, at Marks & Spencers
Maps: Full door to door maps of the Western and Central Europe (42 countries) Display: XL 4.3" widescreen Safety Camera Database: Comes with fixed safety camera alerts pre-installed, to help you to drive more safely and responsibly Easyport™ Mount: EasyPort™ mount folds neatly onto the back of your device, making the whole navigation package fit into your pocket, bag or glove compartment Latest Map Guarantee: The latest map guarantee keeps you right up to date. If a new version of any map on this device is released within 30 days of your purchase, you can download a new one via TomTom HOME for free TomTom Mapshare™ Technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Updates from TomTom HOME: Get new software and download new maps via TomTom Home site, includes free and subscription services Sound: Loud and clear voice instructions Points of Interest: Pre-installed map has Points of Interest from petrol stations to hotels. Can be updated via TomTom HOME Traffic-Ready: Compatible with TMC Traffic Receivers, so your route can be altered to avoid the traffic ahead Plug & Go: Just plug in and tap the touch screen to begin using the intuitive user friendly interface Advanced lane guidance: Gives you extra clarity when navigating difficult junctions IQ Routes™ technology: Get a faster route to your destination, up to 35% of the time QuickGPSfix™: Get a faster route to your destination, up to 35% of the time Speeding alert: Alerts you that youre speeding, even if you''re not in navigation mode Help Me! menu: You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area Accessories: Comes with USB car charger and USB cable TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Textured Heart Ballet Slippers, at Marks and Spencer
Round toe Slip on Textured heart design Flat sole Ballet style

Collezione Pure Wool Single Breasted 2 Button Jacket, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Welcome Reds - Case of 12, at Marks and Spencers
2 Domaine Lafage VdP des Ctes Catalanes 2007 2 Campo Bravo Rioja Vendimia Seleccionada 2007 4 Santa Gloria Merlot 2008 4 Villagio, Negroamaro Puglia 2008 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Tribeca Armchair, at Marks & Spensers
H90 x W101 x D99cm Seat H46cm (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 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& 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Limited Collection Pindot Balcony Bra, at Mark's & Spencer
Fun and fabulous, this cotton blend bra is part of our Limited Collection lingerie. The balcony shape gives maximum uplift for a flattering look, and the smooth cups won't give you visible lines under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Kids' Presents Mini Thank You Cards Multipack, at Mark's & Spencer
Contains: 8 cards, 4 designs Cover text: Design 1: Thank you!, design 2: Thanks!, design 3: Thank you so much!, design 4: Thank you! Inside message: blank for your own message Approx size: 95 x 80mm

Global Traveller Large Trolley Bag, at Marks and Spencers
Free 5 year guarantee Practical, smart and durable, this fully lined Global Traveller trolley bag can be carried or wheeled. It features a large front pocket and comes with a padlock for security

Luxury Wool Rich Flat Front Trousers, at Marks&Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Vintage Cava 2006 - Case of 6, at Marks & Spencer
Style: Dry Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 6 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

There are lots of ways to save money using M+S Money. Not least of these is Marks and Spenser Standard Car Insurance. With M+S Money you can keep the cost of your Car 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 Car Insurance cover from M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencers, 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 Car Insurance from M&S Financial Services, you get more, and you pay less.