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 & 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 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 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.

When you're shopping at Marks and Spencers online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M+S Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Per Una Long Sleeve Cardigan with Wool, at Marks and Spencer
A fashionable long sleeve cardigan in textured fabric. Ribbed detail makes it extra stylish.

2 Pure Cotton Knitted Shorts, at Marks and Spencers
Casual and comfortable, these cotton knee length shorts feature a draw string and stripe design. A great value pack

Natural Wool Duvet, at Marks & Spencers
Naturally breathable Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super kingsize (6ft), Manufacturer: Marks & Spencer

White Rattan 3-Tier Storage Unit, at Marks and Spencers
3 baskets with hand holes Rattan design Free standing W39 x D34 x H80cm, Manufacturer: Marks & Spencer

Soft Grip Solid Spoon, at Marks and Spenser
Hanging loop Soft grip handle L34.5cm, Manufacturer: Marks & Spencer

2 Alton Scroll Back Antiqued-Leather Chairs, at Marks & Spencers
H103 x W55 x D66cm Upholstered in antiqued-leather Sold as a pair Solid oak Scroll back 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Ultimate Linen Short Sleeve Check Shirt, at MarksandSpencer
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

Per Una Styled Embroidered Shorts, at Mark & Spencers
Feminine and delicate, these stylish shorts are made from soft stretch lace. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

RealCool Cotton™ Performance Contrast Pipe Detail Vest, at Mark's & Spencer
Ideal for active wear, this RealCool Cotton™ Performance top is made from high-performance breathable stretch fabric and is designed in the latest style for a great fit and freedom to move

North Coast Pure Cotton Flat Front Jeans, at Marks & Spencers
Stylish and comfortable, these straight leg jeans give a regular fit through the hip and thigh

Pure Cotton Ribbed Waist Combat Trousers, at M & S
Fashionable and practical, these combat trousers features multiple pockets. Soft cotton fabric and an elasticated waist will keep him feeling comfy

Silver Plated Necklace & Earrings Set, at Marks and Spencers
2 part set Clasp fastening pendant necklace with adjustable length Hook fastening drop earrings Necklace length 41cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Cuvée Cédric Chardonnay 2008 - Case of 12, at Marks & Spencer
Grape variety: 100% Chardonnay Country of origin: France Closure: Screw cap 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

Jarhead Blu-Ray DVD, at Marks&Spencer
Rating Suitable for 15 years and over,

Patent Lace Up Mid Heel Shoe Boots, at Marks & Spencer
Almond toe Lace up Stitch detail Mid heel Heel height: 72mm Comes in sizes 3-8, including half sizes

Portfolio Assorted Bead Stretch Bracelet, at Marks & Spencers
Stretch style Assorted bead design

Autograph Spot Print Brazilian Knickers, at Marks & Spenser
Glamorous and sexy, these figure-hugging Brazilian briefs are made from soft fabric trimmed with fine lace. The shapely Brazilian style looks very modern and gives a flattering fit. Beautiful exclusive lingerie

Blossom Tree Embroidered Curtains, at Marks and Spencers
Manufacturer: Marks & Spencer

M&S Pizza Maker, at Marks and Spencer
Cooks up to 12" frozen, pre-baked or fresh pizza's 1000-1200W Rotating stone base to ensure even cooking Display window to check pizza while cooking Plastic handle to open while pizza maker is hot and in use 4 heat settings Top grilling element to melt / brown toppings Anti-slip base 2 year guarantee, Manufacturer: Marks & Spencer

Autograph Foundation Brush, at Marks & Spensers
Handmade Enables you to achieve a controlled light and even coverage

Text Husband Birthday Card, at Marks & Spencers
Cover Text: To my wonderful Husband Inside Message: Blank for your own message Approx size: 215 x 150mm

Portfolio Aquarius Pods Necklace, at M & S
Button fastening Ribbon chain Pods style bead design Necklace length 68cm

Girls' Limited Rock Princess Vest Top & Shrug, at Marks & Spencer
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

Classic Duckling & Bear Large Baby Photograph Album, at Marks and Spencers
Contains: 1 album, 1 box, 1 pack of glue dots, 1 blank 700 MB CDR Approx size: Album: H235 x W325 x D30mm

The Floral Collection Lavender Mini Gift Pack, at Marks and Spencers
Moisturising hand and body lotion: 50ml Guest soap: 25g Moisture rich handwash: 50ml

Sherbets Wedding Text Card, at Marks n Spencer
Cover text: Wedding 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

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

Autograph Chunky Face Analogue Watch, at MarksandSpencer
Chunky face Analogue Round face Date indicator Leather strap

Autograph Pure Cotton Belted Jeans, at Marks and Spencer
Soft cotton fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value jeans are designed to keep baby looking adorable and feeling comfy and happy

Funnel Neck Half Zip Fleece Jumper, at Marks & Spencer
Fashionable and practical, this comfortable fleece features a half zip fastening for a stylish modern look

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