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's & Spencer are so useful. M+S Money financial products are, of course, designed to make Marks & Spencer 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home 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 Home 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 Home 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.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the M+S 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 Car Insurance, M&S Home 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 & Spenser, 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.

Moulded Underwired Lightweight Bra, at Mark & Spencers
Sleek and modern, this bra is so light and comfortable you will hardly know you're wearing it. Smooth moulded cups give no visible outlines under clothing. Designed for a streamlined silhouette

Petite Short Sleeve Snake Print Shirt, at Marks and Spencers
Chic and modern, this short sleeve shirt features a stunning snake print. A vibrant new look, perfect for this season. Specially designed and perfectly proportioned for the petite frame

Pure Cotton Lounge Shorts, at Marks and Spenser
Create your own look by mixing and matching these pure cotton pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Ceriso French Maid Stripe Bikini Briefs, at Marks and Spenser
Fab and funky, these modern bikinis feature stripe print and a rose detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Portfolio Pure Cotton Denim Belted Skirt, at M+S
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Autograph Firm Control Chevron Stripe Multiway Body, at Marks and Spencer
Look slimmer in seconds! This firm control body gently shapes your figure all over for a smoother, sleeker silhouette. The versatile multiway style can be worn strapless, halterneck, cross back or one-shoulder

Pure Cotton Ruffle Pintuck Top, at Mark's & Spencer
This short sleeved top will make a useful addition to your wardrobe. It features smart pintuck details for a stylish casual look

Per Una Notched Leather Belt, at M & S
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

2 Sea Creature Swim Shorts, at Marks & Spencers
Fun and fashionable, these lined shorts fit comfortably and securely. Sea creature designs add a fab finishing touch

Per Una Pure Cotton Velour Jacket, at M & S
A fashionable long sleeve jacket in pure soft cotton featuring a notch lapel and stitch detail

Slim Leg Double Button Fastening Trousers, at Marks & Spencers
Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. The double button fastening adds a fashionable update

Large Inner Damask Shade, at Marks & Spencer
Oversized black shade Inner flocked damask 46 x 46 x 32cm, Manufacturer: Marks & Spencer

Buxus Ball Topiary, at Marks and Spencer
Presented in a smart planter, this buxus ball plant is a fantastic addition to any outdoor space Available for delivery from 28th April to 30th September 2009

Younger Girls' Abstract Print Footbed Sandals, at Marks & Spencers
Double front buckle fastening Heel buckle Abstract print design Flat sole Contrast comfort lining

5 Younger Girls' Pure Cotton Tatty Teddy Shorts, at M&S
A must for fans of Tatty Teddy, these pure cotton shorts feature cute motifs of the popular character

Villa Maria Seddon Vineyard Pinot Noir 2006, Marlborough - Case of 6, at Marks & Spencer
Style: Dry, medium bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Stelvin Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol Alcohol units per bottle 10.5 Alcohol units per 125ml 1.8 Contains sulphites You must be 18 or over to purchase this product

Autograph Essentials Vintage Rose Embroidered Thong, at Marks & Spencers
Elegant and feminine this modern thong features rose embroidered details. The modern, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Lavender Refresher & Burner Oil, at Mark & Spencers
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Maxim Mug, at Mark's & Spencer
Suitable for everyday use Versatile fine dining range Pure white porcelain Height 9cm, Manufacturer: Marks & Spencer

Drum Stool, at Mark's & Spencer
H46 x D36cm Drum shape Wood markings Made predominantly from mango wood Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself 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 , Manufacturer: Marks & Spencer

Cotton Rich Zip Funnel Neck Jumper, at Marks n Spencer
A practical, casual jumper in a cotton rich fabric featuring a zip fastening. A great value easycare style

Cotton Rich Velour Bootleg Joggers, at Marks and Spenser
Flattering and practical, these comfy joggers are made from soft velour. An easycare essential with a stylish look.

Multiway Padded Plunge Bra, at Marks and Spenser
This multiway padded plunge bra is flattering, comfortable and can be worn in 5 ways: conventionally, halterneck, cross back, strapless and one shoulder for the ultimate in versatility

125 Years Pure Cotton Long Sleeve Check Shirt, at Marks and Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Ceriso Rio Silk Bikini Knickers, at Mark's & Spencer
Fun and funky, these modern bikinis feature a lace design. The low rise, high leg brazilian style gives a fabulous body-conscious fit. Designed for women who want the latest look

Large Bingley Bear Rosette Dad Birthday Card, at Marks & Spencers
Cover text: Happy birthday, Champion Dad, 1st Inside message: You're always a winner Approx size: 220 x 220mm

2 Non-Iron Cap Sleeve Blouses, at Marks & Spenser
This 2-pack of cap sleeve blouses makes a fashionable choice for school. Hardwearing and easycare

Autograph Occasions Floral Lace Wedding Dress, at Marks & Spenser
Simply elegant, this exclusive wedding dress is detailed with a floral lace design. An exclusive, luxurious look from Autograph for your wedding day

Pure Cotton Drawstring Waist Pyjama Bottoms, at Marks & Spencers
Create your own look by mixing and matching these drawstring waist pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Ultimate Fishnet Tights, at MarksandSpencer
The ultimate in stylish design, these fishnet tights have added stretch so they'll always keep in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while M+S once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days MarksandSpencer, through its M+S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.