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 Spencers are so useful. M&S Money financial products are, of course, designed to make Marks and Spenser 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.

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 & Spenser 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."

Besides Marks and Spencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Home Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spensers purchases are also protected while you take them home.

Also, on both M&S Money Premier Home Insurance and Standard Home Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Cashmilon™ Leopard Print Scarf, at Marks and Spencer
Keep warm, cosy and stylish in this fashionable leopard print scarf made from supersoft cashmilon™

Loop & Feather Comb Headpiece, at M&S
Keep tumbling tresses off your face with this stylish loop and feather slide in comb

Pearl Crystal Graduated Set, at Marks and Spencer
2 part set Faux pearl Crystal feature

Aguasanta Carmènere 2007 - Case of 12, at Marks and Spencer
Style: Dry, medium bodied Grape variety: Carmnere Country of origin: Chile Closure: Screw cap Suitable for vegetarians and vegans 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

Pre-Sliced Arbroath Hot Smoked Lochmuir™ Salmon Side, at Mark & Spensers
Serves 4-6 Ready to eat 300g As featured on page 25 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Stainless Steel Slotted Spoon, at Marks n Spencer
Cut-out slot design Loop in the handle for hanging L34.5cm, Manufacturer: Marks & Spencer

2 Tiga Leather Dining Chairs, at M+S
H87 x W47 x D59cm Seat: H43cm Sold as a pair Made from solid sheesham with a leather seat Treated with a protective low-sheen lacquer that provides added durability Made from solid wood for strength Legs made from solid wood 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 these chairs as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

Perfect 125 Years Leather Classic Brogue Shoes, at Marks & Spencers
Pointed toe Punch feature Stitch detail 5 eyelets Lace-up Block heel

Dualit Vario 4-Slice Toaster - Cream, at M&S
4 slice toaster Patented, award-winning ProHeat elements Mechanical timer to control toasting Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Designed for use in commercial kitchens Adjustable inner wire guard to grip toast All parts are repairable or replaceable Concealed crumb tray Extra wide 23mm slots to accommodate larger items and the optional sandwich cage Hand built in England 2200 watt Weight: 4.25 kg Dimensions: H22 x W46 x D21cm 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 , Manufacturer: Marks & Spencer

Refreshing Trio Collection - Case of 12, at Marks and Spenser
4 Hungarian Pinot Grigio Ros 2007: An appealing, fresh, vibrant ros, with a delicate strawberry aroma... 4 Hungarian Pinot Grigio 2007: A refreshing aromatic white with vivacious fruity flavours of limes, tangerines and melons... 4 Hungarian Sauvignon Blanc 2007: A refreshing, modern Sauvignon Blanc with a lively aroma... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sleeveless Bow Vest, at Marks and Spencers
The scoop neck is a key detail this season. This soft cotton top makes a stylish way to get the look

Cotton Blend Shawl Collar Longline Cardigan, at MarksandSpencer
Smart and stylish, this casual longline cardigan makes the perfect light extra layer. It features shawl collar with attached pockets for a fashionable touch.

Siemens Extractor Hood LC47650GB, at MarksandSpencer
Ducted: H684 - 1083 x W600 x D500mm (chimney height adjustable) Recirculating: H775 - 1083 x W600 x D500mm (chimney height adjustable) Suitable for recirculating or ducted extraction Recirculating kit not included Stainless steel 3 speed operation 2 x removable metal grease filters 2 x 40W lamps Suitable for wall mounted installation This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Body Solutions Tummy Control Pencil Slip, at Marks & Spencer
Designed to enhance the look of your dresses, this tummy control slip gives a smooth silhouette so it can be worn conventionally

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & Autograph M500 Mattress - Medium, at M+S
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Mattress spring count: 1225 Sprung-edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Weekend Water Repellent Funnel Neck Parka, 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

Anti-Cellulite Thigh Slimmer Control Knickers, at Marks & Spenser
These anti-cellulite thigh slimmer control knickers are independently proven to reduce surface signs of cellulite. Ready-coated with a Skintex formula, they use the latest cosmetic textile technology which allows micro bubbles in the fabric to release the special ingredients on to your skin for smoother, firmer thighs. For maximum results wear for 8 hours a day, 6 days a week for 6 weeks. Includes a Skintex reapplication spray

Purple Flowerpot Seed Birthday Card, at Marks and Spencers
Inside message: Blank for your own message Approx size: 174 x 126mm

Pure Linen Short Sleeve Embroidered Shirt, at Marks and Spencer
This short sleeved shirt will make a useful addition to your wardrobe. It features pretty floral embroidered details for a stylish casual look

White Pearl Damask Wedding Guest Book, at Mark's & Spencer
Pack contains: Wedding guest book and gift box Approx size: Guest book: 210 x 290mm, Gift box: 225 x 305mm

3 Authentic Woven Boxers, at Marks & Spencers
Combining a soft, easycare fabric with a looser fit for ease of movement means these boxers are a fantastic choice for day to day wear

Travel Neck Pillow, at Marks & Spencer
Once you have travelled with this neck pillow you will wonder how you managed to survive without it. Containing polyester beads it will mould to the shape of your head, enabling you to rest peacefully on your journey

Girls' Limited Pure Cotton Brace Skirt, at Marks & Spencers
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Easycare Long Sleeve Textured Shirt, at Marks & Spencers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Perfect Double Button Wide Leg Trousers, at Marks & Spensers
Wide leg trousers work with boots or heels for a feminine, flattering silhouette. Button detailing gives this pair extra style

Classic Collection Swirl Neck Top, at Marks and Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features swirl neck detail. A fashionable style with a comfortable, flattering fit

Rounders Set, at Marks & Spencers
1 x foam bat 1 x foam ball 4 x cone markers Carry bag For outdoor use This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Leather Apron Slip-On Shoes, at Marks and Spencer
Tramline design Square toe Apron stitch detail Ruched feature Slip-on Grip sole

Formal Square Buckle Belt, at Marks & Spencers
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Pure Cotton Long Sleeve Space Dog T-Shirt, at Mark's & Spencer
Fun and fashionable, this pure cotton long sleeve dog t-shirt is outstanding value!

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