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 & Spensers are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spenser 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.

When you're shopping at Marks and Spencer 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 Financial Services. 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 Financial Services. 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 Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."

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

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

Cecily's Garden Yellow Roses Engagement Card, at M&S
Cover text: With love on your Engagement Inside message: Blank for your own message Approx size: 150 x 215mm

Per Una Pure Linen Pleat Front Skirt, at Marks & Spencers
An elegant knee-length skirt in pure cool linen, the pleated design makes it extra stylish

Panasonic DMR - EX79 DVD Recorder with 250GB HDD, at Mark & Spensers
250GB capacity for a max recording of 330 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner VIERA link Jukebox with Gracenote 1080p Up-Conversion and adaptive HD Enhancer Auto Preset Down Load Connect a DIGA DVD recorder to your VIERA TV via an HDMI cable Navi Link Search To record a programme from the TV listings Intelligent Auto Standby USB & SD Card slots Dimensions: W43 x H5.9 x D28.6cm

Autograph Anodised Aluminium 4 Piece Saucepan Set, at Marks & Spencer
4 piece set 4 piece set includes: 16cm, 18cm and 20cm saucepans and stainless steel steamer Stainless steel for maximum durability and shine Durable stainless steal with riveted handles for strength and durability Encapsulated base for even heat distribution Tempered glass lids Handwash only, Manufacturer: Marks & Spencer

Formula Instant Fix Lip Plump, at Mark's & Spencer
Hypoallergenic 10ml

Blue Harbour Multi Stripe Shirt, at M&S
Relaxed and casual, this Blue Harbour stripe shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Perfect Invisible Low Leg Briefs, at Marks & Spencer
Part of our Perfect range, these briefs give a fashionable look with plenty of support

Pure Cotton V-Neck Pyajama Top, at Marks & Spenser
Pretty and feminine, this v-neck pyajama top is made from soft breathable cotton for a comfortable night's sleep

Floral Polka Dot Large Wedding Album, at M&S
Album and gift box 500 glue dots 700Mb CD-R Album: H290 x W290 x D45mm Box: H295 x W295 x D55mm

Girlie Dress Up A5 Notebook, at Marks and Spencer
1 x A5 notebook with perforated lined pages Approx size: 21cm x 15cm

Larson Chair, at Marks and Spencer
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam 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™ - 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

Pure Cotton Marcella Stud Dinner Shirt, at Marks and Spencer
Made for your added convenience, this pure cotton shirt is a smart step in the right direction, thanks to a handsome marcella design

Triple Bead Drop Earrings, at Marks and Spencers
Hook fastening Drop style Triple bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Long Sleeve Bead Embellished Kaftan, at Marks and Spencers
Feminine and flirty, this kaftan is designed to fit and flatter. A fabulous fashionable look

Portfolio Pure Silk Beaded Blouse, at Marks & Spencers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Underwired Leaf Appliqué Bra, at Marks and Spenser
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Autograph Pure Cotton Long Sleeve Stripe Top, at Marks and Spenser
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

3 Older Girls' Santoni Sport Shorts, at Marks & Spenser
Practical and fashionable, this 3 pack of shorts makes a great way to stock up on essential style

Handcrafted Kitten Valentine Card, at Marks and Spencer
Cover Text: Lots of Love Happy Valentine's Day Inside Message: With love on Valentine's Day Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Short Sleeve Open Front Cardigan, at Marks & Spenser
Elegant and stylish, this short sleeve cardigan is a modern style essential

Pixel Detail Sunglasses, at Marks and Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Monster House Blu-ray DVD, at MarksandSpencer
Rating Parental Guidance,

Petite Single Breasted Water Repellent Mac, at Marks & Spenser
Practical and fashionable, this water repellent mac is perfect for drizzly days

Animal Print Square Bracelet, at Marks & Spencer
Animal print design Square beads

Plastic Wrap Sunglasses, at Marks & Spencer
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Blue Harbour Pure Cotton Block Stripe Polo Shirt, at Marks & Spencers
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

3 Assorted Sequin Hair Bands, at Marks and Spenser
Tie back those tresses in style with these cute sequin hair bands

Little Heart Necklace & Bracelet Set, at Marks & Spencer
2 part set Stretch bracelet and necklace Little heart design

Per Una Bow Pump Shoes, at Marks and Spenser
Round toe Bow feature Stitch detail Slip on Low heel Comes in sizes 3-8, including half sizes

Concertina Paper Butterflies Birthday Card, at Marks and Spencer
Cover Text: Birthday surprises Inside Message: Blank for your own message Approx size: 230 x 114mm

Marks and Spenser 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 & Spencers 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 Financial Services website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services 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 Marks and Spencer insurance products in document format too.