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

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 M&S Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Mark's & 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."

M & S may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks and 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 Money website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Money 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 Money insurance products (Property Insurance, Motor 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 Spenser insurance products in document format too.

Pure Cotton Floral Embroidered Denim Shorts, at Marks and Spencer
The floral embroidered motif gives a pretty twist to these fashionable denim shorts

Collezione Wide Fit Leather Saddle Moccasins, at Marks and Spencer
Round toe Slip-on Stitch detail Block heel Wide fit

Nail Growth Treatment, at M & S
11ml Vitamin packed formulation Rehydrate and regenerate your nails

Big & Tall Flat Front Lightweight Crease Resistant Trousers, at Marks & Spencers
Stay smarter for longer with these innovative crease resistant trousers Perfectly proportioned for big and tall men

Gold Plated Y Design Necklace & Earrings Set, at Marks & Spensers
2 part set Butterfly fastening stud earrings Y design necklace with clasp fastening and adjustable length Necklace length: 45cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Blue Harbour Pure Cotton Long Sleeve Check Shirt, at Marks and Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Machine Washable & Tumble Dry Single Breasted 2 Button Plain Navy Jacket, at M+S
Put an end to trips to the dry cleaner with our Machine Washable range. Each suit's stylish cut and fit is combined with the convenience of its high quality fabric that can be machine washed and tumble dried

Print Your Own Wedding Stationery: Die Cut Pink Heart Menu / Order of the Day, at MarksandSpencer
Pack contains: 10 x order of the day / service or menu cards, 12 x folded insert sheets, 10 ribbons, 1 sheet of glue dots and an instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Approx size: 218 x 154mm

Road Monsters Police Vehicle Set, at MarksandSpencer
Suitable for ages 3+ 5 police vehicles Die cast police car, van, 4x4 vehicles and a helicopter Imaginative play This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Clever Baby Touch & Learn Colours Book, at Marks & Spencer
Touch and Learn Colours encourages 1 to 2 year olds to build on their learning skills. Its lot of fun too with chunky tabs to choose from and different textures to touch and explore

Maternity Contrast Piping Camisole Top, at M+S
Pretty and feminine, this contrast piping camisole top is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

BT Studio 3100 Trio Cordless Phones, at Marks & Spensers
50 name and number phonebook Assign melodies to specific phonebook entries Caller display with up to 40 number calls list Call waiting 10 last number redial and recall Secrecy facility allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options Keypad lock Preparatory dialling and paging Talk time up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 meters outdoor/50 meters indoors Switchboard compatible Tone and pulse dialling and dialling pause GAP compatible (register up to 4 handsets to one base) - internal calls, call transfer, 3-way calling Includes: 3 phones and matching bases, 6 rechargeable batteries, 3 mains power adaptors, 3 telephone line cords 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 This product is not available for international delivery. Find out more

Dualit Vario 2 Slice Toaster - Red, at Marks and Spencer
Capacity: 1 or 2 slices Output per hour: 65 slices Loading: 1.2 kw Mechanical timer to control toasting Dimensions: 26 x 21 x 22cms Weight: 3.5kg 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

Crook Handle Umbrella, at MarksandSpencer
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

Botteghino Chianti 2006 - Case of 6, at Marks and Spencer
Style: Dry, medium bodied Grape variety: 100% Sangiovese Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Travel Pill Holder, at Marks & Spensers
With seven individual compartments you can keep your essential tablets organised in this handy pill holder when travelling. The interlocking compartments are handy for any break and saves you having to carry all of your more bulky jars of tablets

Siemens HF26056GB 1000W Built-in Microwave Oven, at Marks & Spencers
27-litre capacity 5 microwave power levels, 3 defrost programs Max 1000W power output Electronic control with clear display H380 x W562 x D450mm (including casing) Stainless steel 34cm glass turntable Left-opening door Fits the top cupboard in the Sonoma Oven Unit. Click here to view the Sonoma Oven Unit

Twinkle Jet Trio Stud Earring Set, at Marks and Spencers
3 pairs Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

2 Halves of Dressed Fresh Canadian Lobster, at MarksandSpencer
Serves 2 2 halves Ready to eat 184g total weight As featured on page 22 of 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 Scratchy Spot Low Rise Shorts, at Mark & Spensers
Sophisticated and feminine, these flattering shorts feature a scratchy spot design. The modern low rise styling gives a flattering shapely fit. Beautiful exclusive lingerie

Balfour Brut Sparkling Rosé 2005 - Case of 6, at M & S
Style: Dry Grape variety: Chardonnay, Pinot Noir and Pinot Meunier Country of origin: England Closure: Natural cork Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Per Una Assorted Charms Stretch Bracelet, at Mark & Spencers
Stretch bracelet Mixed bead design Assorted charms

Toy Torch, at MarksandSpencer
Plastic Wide handle Bulb and LED lights Battery operated Suitable for ages 3-6 years H21 x L25 x W12cm, Manufacturer: Marks & Spencer

Daughter Photo Kitten Birthday Card, at Marks and Spenser
Cover text: Happy birthday to a purr-fect daughter Inside message: Blank for your own message Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Stain Defence™ Pleated Pinafore, at Mark & Spensers
This pleated pinny features a long zip that makes it easier for her to dress and she'll love the flattering shape. It's treated with Stain Defence™, a high performance finish which repels stains

Large Leather iPod Case, at Marks and Spencer
Keep your iPod safe and stylish with this leather case. Compatible with all large iPod models, the case is made of genuine premium leather, which looks and feels great

Autograph Pure Wool Single Breasted 2 Button Jacket, at Mark's & Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Print Your Own Wedding Stationery: White Pearl Damask Menu/Order of Service, at Marks and Spencers
Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 decorative ties, 1 x instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Please note: As this stationery is not intended for use as invitations, envelopes are not supplied in this pack Approx size: 218 x 154mm

Autograph Weekend Lightweight Bold Spot Print Scarf, at Marks and Spencers
Add a touch of sophisticated style with this shimmering scarf. The perfect lightweight layer to wrap over this season's tops and dresses

Autograph Pure Cotton Bold Stripe Shirt, at Mark's & Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Shopping for financial products at M&S 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 M&S Money website:

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

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