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 and Spencer 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, 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 Motor 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; Motor 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.

When you're shopping at Marks and Spenser 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 Home Insurance and Motor 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 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."

Clocktower Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand 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

Disney Handy Manny Colouring Book, at MarksandSpencer
Join Handy Manny and his cheerful band of tools inside this cool colouring book! They cant wait to get started on their next fix-it job, but colour them grab your pens get colouring!

Romantic Pearl Cake, at Marks&Spencer
Serves 144 Three tier set of cakes: Small diam 15cm; Medium diam 20cm; Large diam 25cm; Total height 27.9cm Fruit cake : Vine fruits, nuts and cherries laced with brandy. Cake weight: 9.8kg. Fruitcakes can be eaten up to 14 days after collection Chocolate cake: A rich chocolate cake filled with with chocolate ganache. Cake weight: 5.6kg. Chocolate cakes can be eaten up to 5 days after collection Sponge cake: All-butter sponge filled with buttercream. Cake weight: 5.6kg. Sponge cakes can be eaten up to 5 days after collection Combination cake: Large fruit cake, medium sponge cake and small chocolate cake. Total cake weight 7.7kg Not suitable for nut allergy sufferers As featured on page 57 of the Food to Order brochure Flowers not included Order by 5pm to collect in 21 days Available for collection in the majority of our UK mainland stores Each tier of our wedding cakes has a base board, to support the use of pillars for presentation

Big & Tall Stormwear™ Single Pleat Trousers with Wool, at Marks and Spencer
Innovative and stylish, these single pleat trousers are made with Stormwear™ technology. The unique water and stain repellent finish keeps you feeling dry and comfortable. Perfectly proportioned for big and tall men

Autograph Anodised Aluminium Frying Pan, at Marks and Spencer
Charcoal-coloured aluminium design Non-stick interior for low-fat cooking and easy cleaning Excellent heat distribution with no hot spots Riveted handle for durability Handwash only Oven safe to 180C/350F/gas mark 4 Suitable for all cooker types except induction Diam: 24cm, Manufacturer: Marks & Spencer

Bear Hat & Mittens Set, at M & S
Keep little heads and hands warm with this bear design hat and mittens set in soft comfy fabric.

Animal Print Scarf Trim Hat, at Marks & Spencer
Keep cool and stylish with this wide brim hat featuring an animal print scarf

Welcome Reds & Whites - Case of 12, at Marks & Spensers
1 Domaine Cambos Gros Manseng 2008 1 Miradou, Ctes de Provence Ros 2008 1 Domaine Lafage VdP des Ctes Catalanes 2007 1 Campo Bravo Rioja Vendimia Seleccionada 2007 2 Santa Gloria Chardonnay 2008 2 Ponticello, Pinot Grigio di Sicilia 2008 2 Santa Gloria Merlot 2008 2 Villagio, Negroamaro Puglia 2008 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Limited Collection Contrast Trim Tote Bag, at Mark's & Spencer
Fashionable and fabulous, this contrast trim handbag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Autograph Straight Leg Trousers with Cashmere, at Marks and Spencer
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style

Damask Floral Pencil Pleat Curtains, at Marks and Spencer
Floral damask design Pencil pleat Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Stripe Top, at MarksandSpencer
This short sleeved top will make a useful addition to your wardrobe. It features a smart stripe print for a stylish casual look

Single Dendrobium Orchid, at Marks and Spencers
This exotic, majestic orchid - beautifully enhanced by its understated white glass pot - will make a really unforgettable present Available for delivery from 1st July to 30th September 2009

Nectarine & Orange Scented Candle, at Marks & Spensers
Thin stripes Chunky design Shallow dish holder Scented with nectarine and orange, Manufacturer: Marks & Spencer

Petite A-Line Skirt with Belt, at Mark & Spencers
Smart and modern, this flared a-line skirt features stitch detail. A great work-to-evening style. Specially designed and perfectly proportioned for the petite frame

3/4 Sleeve Front Frill Geo Print Blouse, at Marks and Spencers
Smart and stylish, this 3/4 sleeve blouse features a stunning geometric print. A sophisticated new look, perfect for this season.

Formula Skincare For Men Aftershave Balm, at Mark's & Spencer
Soothes Moisturises Non-greasy balm

Maternity Pure Cotton Pintuck Top, at Marks and Spenser
Fashionable and modern, this pintuck top is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Pop Up 2 Person Camping Tent, at Marks & Spensers
2 person tent No assembly, simply twist to pop open the tent Packs flat into a carry case for easy storage and carrying Taped seams Fire retardant Carry case Sewn in ground sheet 1 entrance Approx: L225 x D105 x H100cm, Manufacturer: Marks & Spencer

Sunny Town Shop, at Marks & Spensers
With 2 realistic sounds Promotes imaginative play Sounds located in the till and the doorway Contains 3 x LR44 button cell batteries 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 conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Ceriso Essentials Embroidered Non-Padded DD-G Bra, at Marks and Spenser
Feminine and fashionable, this modern bra is beautifully detailed with floral embroidery. It's underwired and structured to give fuller busts great support and a flattering uplifted shape. Designed for women who want the latest look

Limited Collection Cotton Rich Spot Print Bikini Knickers, at Marks & Spencers
Fabulous and modern, these comfortable bikinis are part of our Limited Collection lingerie. They're made from soft stretch cotton, and the low rise style is perfect for wearing with hipsters. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

3-Piece Cream Aluminium Saucepan Set, at Marks and Spencers
Small: Diam 16cm. 1.86-litre capacity Medium: Diam18cm. 2.8-litre capacity Large: Diam 20cm. 3.75-litre capacity Includes glass lids, Manufacturer: Marks & Spencer

Floral Embroidered Hat & Mitts, at Marks & Spencers
Keep little heads and hands warm with this embroidered hat and mittens set in soft comfy fabric

3 Fold Countryside Scene Mother's Day Card, at Marks and Spencers
Cover text: Special thoughts for a lovely Mum on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 178 x 126mm

Faux Pearl Detail Beret Hat with Wool, at Marks and Spencers
Berets always look so chic making this knitted beret the perfect way to add a stylishly warm finishing touch

Per Una 3/4 Sleeve Embroidered Lace Jersey Top, at Marks and Spencers
A stylish 3/4 sleeve top featuring lace detail and a floral embroidered design

Freshfeet Pure Cotton Riptape Slippers with Silver Technology, at Marks n Spencer
Round toe Rip tape fastening Check design Slip-on Flat sole With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes Sanitised Silver technology effectively reduces bacteria that cause odours

Bright Prints Range Set of 3 Pens Circles, at Marks & Spensers
Set of 3 13.5cm x 0.1cm

Pure Cotton Embroidered Owl Booties, at Marks and Spenser
Cute and comfy, these practical booties feature an embroidered owl design. A soft stretchy cuff keeps them on securely

M+S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks n Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union – up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.