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 Mark & Spensers are so useful. Marks & Spencers Money financial products are, of course, designed to make Mark & 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, Property Insurance policies. Usually, UK Property 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 Marks & Spencers Money Property 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 Marks & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Mark & 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers 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."

There are lots of ways to save money using Marks & Spencers Money. Not least of these is M & S Standard Car Insurance. With Marks & Spencers 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 Marks & Spencers 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 Marks & Spencer Money, you get more, and you pay less.

Trackers Trail Sauvignon Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

White Pearl Damask Cake or Favour Boxes, at Marks & Spencers
Contains: 10 cake or favour boxes Flat: 155 x 85mm Folded: L130 x W80 x D27mm

Oval Face Bracelet Watch, at Mark & Spensers
Oval face Analogue

3 °Climate Control Cotton Rich Assorted Trunks, at Marks and Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Footglove™ Leather Boat Shoes, at Mark & Spencers
Round toe Stitch detail Bow feature Interweaving cord Contrast panel Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Per Una Short Sleeve Balinese Tunic, at Marks&Spencer
A colourful printed tunic with a front and back v-neck featuring waist tie and comes with a camisole

Autograph Modal Blend Pyjama Shorts, at Mark's & Spencer
Create your own look by mixing and matching these pyjama shorts with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Tyrrell's Wines Vat 9 Hunter Shiraz 1998 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Autograph Weekend Cotton Rich Bootleg Jeans, at Marks & Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

The Floral Collection Lavender Bath Beads, at Marks & Spencer
350g Lavender scented Comes in a decorative glass jar

Pure Cotton Spa Tonal Stripe Towel, at Marks and Spencers
Tonal stripe design Hand towel: L90 x W50cm Bath sheet: L137 x W70cm Bath towel: L178 x W86cm, Manufacturer: Marks & Spencer

Limited Collection Tribal Hobo Bag, at Marks & Spencer
This bag will always look chic with its bead and tassel detail. Adds style to your look in an instant!

Floral Cosmetic Purse, at Marks and Spencers
Matching mirror Floral detail

2 Pure Cotton Bath Time Motif Towels, at Marks and Spencer
Pack of 2 Bath Time motif Plain W40 x L60cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Check Top, at Marks and Spenser
A check design makes this soft pure cotton top extra fashionable

Handcrafted Calendar Valentine Card, at Mark & Spencers
Cover text: I've pencilled you in... Inside message: ...for the 14th? This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 150 x 150mm

Cream Polka Dot Cake or Favour Boxes, at MarksandSpencer
Contains: 10 cake or favour boxes Flat: 155 x 85 mm Folded: L130 x W80 x D27mm

3 Pairs of Wide Opaque Knee High Socks, at Marks & Spensers
These comfortable 3 denier opaque knee high socks are made with added stretch and a reinforced toe for durability.

Suzie Damask Jacquard Duvet Cover, at M+S
Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft) Damask jacquard design Cotton rich, Manufacturer: Marks & Spencer

Letters on a String New Baby Boy Card, at Marks & Spencer
Cover text: Baby boy Message: Congratulations! Approx size: 150 x 150mm

Limited Collection Formal Bootleg Trousers, at Marks and Spencer
Make a smart impression in these flattering and fashionable bootleg trousers. Stride out in style!

PlayStation®3 PlayTV™, at Marks and Spencer
Watch: Watch more that 40 non-subscription, free-to-air digital TV and radio channels. Watch live TV while recording another channel Pause: Pause live TV and then continue Record: Record TV up to seven days in advance and watch a programme while recording another channel Play Remotely: This feature allows you to watch live TV, set recordings and view recorded programmes from PlayTV on your PSP As long as PlayTV is connected to your wireless network, PLayTV allows you to stream digital TV direct from your PS3 to anywhere in the world Connects to Playstation 3 using a USB 2.0 cable (included) Easy to use - simple interface and programme guide. The programme guide shows what is on TV now and up to 7 days in advance. Scan through the programmes contents and plan what you want to watch Does not need its own power source - runs from your Playstation 3 via USB For use with Playstation 3 40GB and 60GB Manage your recordings with the interactive video library Control PlayTV with your SIXAXIS™ wireless controller, DUALSHOCK 3 controller or BD remote Dimensions: 140 x 70 x 39.5mm Weight: 113g Playstation 3 hard drive will usually store 1 hour of standard definition TV on 1 GB of disc space 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all freeview channels when using a indoor aerial

Almond Toe Mid Heel Court Shoes, at Marks and Spencer
Almond toe Stitch detail Slip on Mid heel Heel height: 64mm Comes in sizes 8 and 9, including half sizes

Large Bow Gift Bag, at Marks and Spencer
1 gift bag with tag Large satin ribbon bow feature H270 x W360 x D100mm

Autograph Pure Silk Scattered Petal Square Scarf Wrap, at Marks&Spencer
Add a luxurious finishing touch to your look with this elegant pure silk scattered petal print scarf wrap. The perfect accessory to this season's styles

Autograph Pure Cashmere Hooded Stripe Cardigan, at Marks and Spenser
Soft and snuggly, this practical cashmere hooded cardigan will keep him feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Adored Floral Embroidered Non Padded DD-G Bra, at Marks & Spenser
Delicate and stylish, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Pure Cotton Stripe Shrug Mock Layer Top, at Marks & Spencer
A stripe shrug mock layer top adds a fashionable touch to this pure soft cotton top

Azure Breeze 100ml Eau De Toilette, at Marks & Spenser
100ml Eau de toilette

Per Una 3/4 Sleeve Floral Print Blouse, at Marks and Spenser
A beautiful 3/4 sleeve floral print blouse featuring front frill detail.

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money website:

• M&S Insurance: M&S Car Insurance, M&S Property 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 & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.