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. 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencers 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 & Contents 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 & Contents 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser 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 Buildings & Contents 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 M & S, 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.

Shop Till, at Mark's & Spencer
H12 x L30 Bright colour till Shopping basket Shopping to put through till Cash and cards to play with Suitable for 3+ This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Ruby Cereal Bowl - Black, at Marks and Spencer
Deep dish Plain centre Stripe edge Diam 16cm Fine china, Manufacturer: Marks & Spencer

Sprung Edge Divan with 2 Large and 2 Small Drawers, at Mark's & Spencer
Layer of springs to provide comfort and support while prolonging the life of your mattress Solid pine frame Sprung edge 2 x large drawers 2 x small drawers Half-width drawers at the head end are designed to open without moving your bedside table All our mattresses and divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep H41cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Pure Cotton Check Design Pyjamas, at Marks & Spencer
Modern and feminine, these pretty pyjamas are made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks and Spenser
Add colour to your underwear drawer with these comfy assorted check and stripe design boxers

Sonoma Dark 10-Drawer Wide Chest, at Marks & Spenser
H88 x W170 x D50cm 10 drawers Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid 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 SAVE ON SETS Save at least 25% when you buy this chest as part of a set. Click here to view the Sonoma Dark Collection Set. , Manufacturer: Marks & Spencer

Per Una Speziale Long Wear Pressed Powder, at Marks and Spencer
Long wear, light diffusing pressed powder Lasts for up to 16 hours Hypoallergenic 11g

Per Una Gathered Front Fine Stripe Mock Layer Top, at Mark's & Spencer
A fashionable 3/4 sleeve mock layer top featuring a beaded front embellishment. The gathered detail makes it extra stylish.

Classic Collection Floral Print Dress, at Marks & Spencers
Pretty and feminine, this short sleeve dress is made from a soft linen blend. A fashionable style with a comfortable, flattering fit

Autograph Pure Cotton Belted Chinos, at Mark's & Spencer
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

10 Denier Ladder Resistant Sheer Stockings, at Marks n Spencer
Our new innovation in fabric technology incorporates stretch into every single stitch to create an even, lightweight design and comfortable fit that's ladder resistant and simply a dream to wear

2 Cotton Rich °Climate Control Vests, at Marks & Spencer
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

Per Una Faux Snake Skin Satchel Bag, at Marks & Spencer
A bold buckle makes this fashionable faux snake skin satchel bag even more special. Give your look the Per Una twist!

Autograph Weekend Cotton Rich Turn-Up Bootleg Denim Trousers, at Marks and Spencer
Modern and stylish, these turn-up bootleg trousers give a fashionable relaxed look. Casual dressing with a touch of luxury from Autograph Weekend

3 Pure Cotton Tonal Stripe Tea Towels, at Marks and Spencers
Pack of 3 Tonal stripe design Straight edge, Manufacturer: Marks & Spencer

Per Una Pure Cotton Spot Print Pyjamas, at Marks & Spencer
Modern and feminine, these pretty pyjamas are made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Halterneck Tankini Top, at Marks & Spencers
Feminine and pretty, this fashionable tankini features a contrast empire line. A stylish, shapely look

Thermal Wide Ribbed Leggings, at Marks & Spencer
Keep warm and comfortable in these soft thermal leggings. Cosy without being bulky, they make the perfect extra layer for cold weather

Kaituna Hills Marlborough Sauvignon Blanc 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand 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

2 DD-G Plain Padded T-shirt Bras, at Marks & Spencers
Providing great value and comfort for everyday wear, these plain and simple wired bras combine supportive full cups with convenient easy to care for fabric

Per Una 3 Piece Bolero & Vest Set, at Marks and Spencers
A pretty 3 part set featuring two vest tops and a short sleeve bolero

Panasonic 42'' TX-P42G15 Full HD Plasma TV with freesat HD, at Marks and Spencer
Manufacturer: Marks & Spencer

Ultimate Stormwear™ Pure New Wool Single Breasted 2 Button Jacket, at Marks and Spencer
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Nostalgic Photograph 100th Birthday Card, at Mark's & Spencer
Cover text: Congratulations... 100... and you've still got a spring in your step! Inside message: Happy Birthday 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 Folk Print Border Skirt, at Marks & Spencer
A stylish high waist skirt featuring a folk print border and pleated design

Pure Cotton Quick Iron Dobby Stripe Shirt, at M & S
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Bright Butterflies Daughter Birthday Card, at Marks and Spenser
Cover text: Happy birthday to a special daughter Inside message: With lots of love Approx size: 174 x 126mm

Autograph Copper Base Wok, at Marks & Spencers
Diam 26cm Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles Hand wash only Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Oudinot Champagnes - Case of 6, at MarksandSpencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Napoleon Style Movement Arch Mantle Clock, at Marks&Spencer
Napoleon style Visible mechanics Roman numerals Analogue Dimensions: 18 x 25 x 6cm

When you're shopping at Marks&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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Car Insurance, there's a lot more going on at Marks and Spencer 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."