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 Money financial products are, of course, designed to make Marks and 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 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.

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

Also, on both M&S Money 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencers 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 Mark & Spensers, 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 Money, you get more, and you pay less.

PSP™ Crisis Core Final Fantasy VII Game, at Marks & Spencers
Complete the Final Fantasy VII experience and reunite with renowned designer Tetsuya Nomura's most famous characters Engage in action-packed, real-time battles using the innovative Digital Mind Wave system Acquire unique accessories, items and abilities through 300 side missions designed to further enrich your experience Single player You must be 16 years of age or over to purchase this product 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Mature

Short Sleeve Camouflage Surfer T-Shirt, at Marks & Spenser
A practical, casual top in pure cotton featuring an embroidered camouflage surfer design. A great value easycare style

Autograph Flat Front Grey Single Pleat Trousers, at Marks & Spencer
Fashionable and contemporary, these flat front stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Pure Cotton Ruffle Stripe Top, at Marks & Spensers
This short sleeved top will make a useful addition to your wardrobe. It features ruffle trim placket detail for a stylish casual look

Apron Lace Up Shoes, at Marks & Spencers
Square toe Stitch detail Lace up Block heel

Stainless Steel Apple Corer, at Marks & Spencers
Simple design Stainless Steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Older Boys' Short Sleeve Plain Thermal Vest, at Marks and Spencers
Soft, warm and cosy, this cotton blend thermal vest are designed to give comfy insulation, perfect for chilly weather

Autograph Veneto Glass Dining Table, at Marks&Spencer
H73 x D120cm Seats 4 - 6 people Chrome base Top made from toughened clear safety glass Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Autograph Veneto Collection Set. , Manufacturer: Marks & Spencer

Limited Collection Plain Leggings, at Marks & Spencer
Complete with a full length and understated design, these great leggings are the perfect partner for this season's trendy tunics and denim minis

PSP™ Pirates of the Caribbean: Dead Man's Chest Game, at Mark & Spencers
Play as Captain Jack Sparrow Use strength and speed attacks Multiplayer ship battles for up to 4 players 10 available maps Gameshare mode (only one disc needed to play on multiple PSPs) You must be 12 years of age or over to purchase this product Disney 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Teen

PSP™ Secret Agent Clank Game, at Marks & Spencer
Unleash Clank's cutting edge array of weapons and gadgets, such as Cufflink Bombs, Tie-a-Rangs, Spy Sunglasses and the ever helpful Holo-Disguise Monocle Launch into a variety of gameplay styles, from all-out action to cunning stealth and brain-busting puzzle solving Drive state-of-the-art super spy vehicles including speedboats, snowboards and sports cars Journey to space resorts, maximum-security prisons, intergalactic casinos and beyond 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Kids to Adults

Freshfeet Suede Lace Up Moccasins, at Marks & Spencers
Round toe Stitch detail Lace design Slip-on Flat sole Lined With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours Antibacterial for fresh feet comfort

Rag Fairy Doll, at Marks and Spencer
Not recommended for babies under 12 months Hair ribbon detail Flared dress with bow feature Suitable for ages 1-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Dyson DC14 All Floors Vacuum Cleaner, at MarksandSpencer
Bin capacity: 2.7 litres Suction power: 280 airwatts (constant) Dimensions: H1101 x W339 x D345 mm Weight: 8.42 kg Root Cyclone™ technology: Patented technology that doesn't lose suction power as you vacuum Telescope Reach™ wand: Wand and hose extend for high reach and stair cleaning while the vacuum remains upright and stable Hygienic and quick to empty: Dyson design minimises risk of contact with dirt Max reach: 14.5 metres Cord length: 9.3 metres Included: Brush tool, stair tool, crevice tool, operations manual, quick start guide, Manufacturer: Marks & Spencer

Handmade Letters Son-in-Law Card, at Mark's & Spencer
Cover text: To a fantastic Son in Law Inside message: Blank for your own message Approx size: Unfolded: 215 x 150mm

Single Breasted 2 Button Eveningwear Jacket, at Marks and Spencer
Elegant and sophisticated, this outstanding value jacket is perfect for evening

Per Una Scallop Buckle Shoes, at MarksandSpencer
Round toe Buckle fastening Scallop detail Mid heel Heel height: 80mms Comes in sizes 3-8, including half sizes

Autograph 2 Piece Pure Cotton Outfit, at Marks and Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Ivory Leather Large Wedding Photograph Album, at Marks n Spencer
Contains: 1 album, 500 glue dots, Gift box, 700Mb CD-R Album: H290 x W290 x D45mm Box: H295 x W295 x D55mm

Easy Iron Pure Cotton Short Sleeve Gingham Shirt, at Marks and Spencers
Stylish and innovative, this gingham easycare shirt is quick and easy to iron for a smart crisp look

Per Una Mule Slippers, at Marks and Spencer
Mule style Round toe Flat sole Embroidered 3 hearts logo

Per Una Short Sleeve Mandie Lace Blouse, at Mark's & Spencer
A feminine floral print blouse featuring a frill placket

Pure Cotton Embroidered Hippo Sleeping Bag, at Mark & Spencers
Cosy and comforting, sleepbags make a great way to stop babies getting tangled up in covers. This padded bunny embroidered sleepbag will keep her at a comfy temperature throughout the night

Paint Pot Birthday Card, at Marks & Spencers
Cover text: Happy Birthday Inside message: blank for your own message Approx size: 178 x 126mm

Parisian Chic Slim Diary, at Marks & Spencer
Week to view Dimensions: 165 x 80mm

Active Performance Drawstring Waist Cropped Leggings, at Marks&Spencer
Perfect for active wear, these Performance leggings incorporate moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Handcrafted Love Cats Valentine Card, at Marks&Spencer
Cover Text: I think you're the cat's whiskers Inside Message: Be my Valentine x Approx size: 178 x 127mm

Sony PRS-505 E-Reader, at Marks and Spencer
Holds approximately 160 electronic books (eBooks) Smaller than a typical paperback, 8mm thick and very light: it's a stylish aluminium unit that fits in your coat pocket Easy to read 6'' EInk screen High resolution and multi-shade grey scale give fine detail on text or black-and-white photos, illustrations etc. Add bookmarks, read page-by-page or ''fast forward'' through the book Automatically find the page you were last reading Call up your stored books quickly: by author, title or date MemoryStick™ DUO and SD Card slots allow you to optionally increase capacity up to approximately 13000 titles Very low power consumption: allows nearly 6800 page turns from a single battery charge Can be fully charged in only 4 hours from a laptop or PC via supplied USB cable 2 hours charge time using optional UK/continental mains adaptor (ACS-5220E) Uses the EPUB standard: the most widely used eBook type, can also read other common text documents Can also display most common image and photo file types (images are black and white, not colour) Use with headphones to listen to music while you read (MP3 or AAC files) Supplied pre-loaded with sample eBooks and excerpts All necessary software (eBook Library) plus quick start instructions supplied Comes with soft tan case. Other cases available as optional accessories Currently not MAC compatible This product is not available for international delivery. Find out more

Oakham™ Chicken Crown with Bacon Lattice, at Marks and Spencers
Serves 4-5 Ready to cook Suitable for freezing 1kg As featured on page 36 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

Autograph Leather Snake Skin Effect Cuff Shoes, at Marks and Spenser
Open toe Ankle cuff Snake skin design Buckle fastening High heel Heel height: 9cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

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 Car 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; Car Insurance and Buildings 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 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.