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

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

Also, on both M&S Financial Services Premier Buildings Insurance and Standard Buildings 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 Financial Services 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 M&S Financial Services 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 & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

HP Mini 1000 Netbook Computer - Vivienne Tam Edition, at Marks & Spencer
Processor:Intel Atom™ processor N270 Processor speed:1.60 GHz, Level 2 cache 512 KB RAM: (1 x 1024 MB), Supports up to 1 GB DDR2 memory Screen: 10.1" High Definition HP LED BrightView Infinity display Operating System: Genuine Windows XP Home Service Pack 3 (32-bit) Hard Drive: 60 GB SATA Hard Disk Drive Graphics card: Intel GMA950, Up to 128 MB Total Available Graphics Memory Memory slot: 2-in-1 card reader for SD/MMC support Camera: Webcam with integrated microphone Interfaces:2 headphones-out + mic-in combo jack, expansion port Connectivity: Ethernet 10/100BT integrated network interface, 802.11b/g WLAN, Bluetooth wireless networking Battery: 3-cell Lithium-Ion (Li-Ion) battery Video & TV software: Windows Media Player Audio software: 3D Sound Blaster Pro compatible sound 16 bit integrated Office application software: Microsoft Works Dimensions: W 16.67 x L 26.17 x H 2.52cm Weight: 1.02 kg 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

Per Una 3/4 Sleeve Textured Knitted Top, at Marks and Spencers
A casual 3/4 sleeve top in soft textured fabric, featuring a scallop trim and round neck

Tencel® Longline Bib Shirt, at Mark's & Spencer
Smart and stylish, this longline shirt is made from soft, comfortable tencel. It features a pleated bib for a fashionable look

Pure Cotton Candy Stripe Bedset, at Marks & Spenser
Candy stripe design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases, Manufacturer: Marks & Spencer

Bright Sparks My Bumper Workbook English & Maths, at Marks & Spencer
Carefully linked to the National Curriculum, this English & Maths bumper workbook gives ideal support to primary school children. Over 200 gold stars and sticker badges to encourage and reward your child

Per Una Leather Tubular Knot Mule Shoe, at Marks & Spencer
Open toe Slip on Tubular knot foot strap Mid-high wedge heel

Pure Cotton Cars Lightning McQueen Hooded Jumper, at Marks and Spencer
Fans of Cars will love this hooded jumper featuring Lightning McQueen. A practical, easycare style

Pleated Ribbon Cushion, at Marks and Spencer
Rectangular shape Pleat detail Stripe design L50 x W30cm, Manufacturer: Marks & Spencer

Traditional British Breaded Wiltshire Gammon, at Mark's & Spencer
Contains approximately 30 slices Serves 10 Ready to eat 1.2kg As featured on page 19 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

The Guest List, at Marks & Spencers
This is the definitive guide to the UK's best hotels and restaurants. Discover the stylish interiors, fabulous food and unparalleled service that set these hotels and restaurants apart from the crowd. A hotel that achieves the rare combination of elegant simplicity, character, good service and remarkable food comes to be regarded by its guests as a rare discovery

Cotton Blend Funnel Neck Zip-Up Tracksuit Jacket, at M & S
Stylish and practical, this fashionable zip-up tracksuit jacket is ideal for workouts or relaxed casualwear

Per Una Cotton Rich Roma Bootleg Jeans with Belt, at Marks and Spencer
Includes belt shown A fashionable pair of bootleg trousers in stretch cotton featuring a snake effect belt

Pure Cotton Short Sleeve Spot Print Pyjamas, at Marks and Spenser
Pretty and feminine, these spot print pyjamas are made from soft breathable cotton for a comfortable night's sleep

M&S 2400W Autoclean Steam Iron, at Marks and Spencer
Manufacturer: Marks & Spencer

Fruity-Beauty Bath Pick 'n' Mix Pack, at Marks and Spencers
Pack of 10 Assorted fragrances

Straw Snap Trilby, at M & S
Make a stylish impression with this trilby. It adds a smart touch to formalwear and looks contemporary with casuals

Enclos Des Pins Merlot 2008 - Case of 12, at Marks & Spencers
Style: Medium dry Country of origin: France Closure: Screw cap 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

Body Tape, at Marks & Spencers
Body tape is ideal for securing very low cut garments, attaching bra straps to cloths and holding your clothes in place just where you want them

Lichfield Slat-Back Fabric Chair, at Marks & Spencers
H102 x W46 x D60cm Single chair Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood 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

Blue Harbour Ultimate Linen Roll Up Sleeve Shirt, at Marks & Spensers
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Scrapbook Style 30th Birthday Card, at Marks & Spencers
Cover text: 30 happy birthday Inside message: Have a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Sonoma Coffee Table, at Marks & Spenser
H45 x L136 x W50cm Toughened glass lower shelf Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen 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

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

Scrapbook Style 60th Birthday Card, at Marks and Spencer
Cover text: 60 today Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Per Una Frill Neck Dress, at Marks & Spensers
A stylish colourful dress featuring a frill neck design. Ruffle trim details give it the Per Una touch

Per Una Animal Bead Rope Necklace, at Marks and Spencer
Rope necklace Mixed animal print bead design Necklace length: 49cm

Thank You Retro Script Multipack of Mini Cards, at Marks&Spencer
Cover text: design 1 - Thanks, design 2 - Thanks so much , design 3 - Thank you, design 4 - Thanks a lot Inside message: blank for your own message 8 cards, 4 designs Approx size: 95 x 80mm

Knee High Pointed Toe Stretch Boots, at Marks and Spencer
Pointed toe Stitch detail Knee high Heel height 70mm Comes in sizes 3-8, including half sizes

2 Autograph Plain Trunks, at Mark's & Spencer
They're made from a cotton modal mix so you can enjoy the best in soft, lasting comfort

Winter Weight Pure Cotton Flat Front Corduroy Trousers, at Marks & Spensers
A relaxed formal look, these comfortable cotton corduroy trousers make a stylish and practical choice for everyday wear

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Motor Insurance. With M&S Financial Services 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 M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks n Spencer, 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.