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

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money website:

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

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

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

Sony VAIO VGN-P11Z Laptop, at Marks and Spencer
Processor: Intel Atom™ Z520 Processor, Supports Enhanced Intel SpeedStep Technology Processor speed: 1.33 (GHz) RAM: DDR2 SDRAM (1x2048MB on board) Screen: (Diagonal Size) 8" X-black LCD with LED technology with 1600 x 768 resolution Operating System: Genuine Windows Vista Home Premium Hard Drive: 60GB Ultra ATA/100, 4200 rpm Graphics card: Mobile Intel Graphics Media Accelerator 500 Memory stick slot: Memory Stick™ Duo, Memory Stick™ PRO Duo, high speed data transfer Digital camera: Built-in 'Motion Eye' Digital Camera, 0.3 Image Sensor (Mega Pixels) resolution 640x480 (VGA) and built in microphone Keyboard: Pointing Stick Shock Protection: G-Sensor HDD Shock Protection Interfaces: DC in x 1, Memory Stick™ Slot x 1, SD Card Slot x 1, USB Port 2.0 x 2, Audio out x 1, Port Replicator (dongle connector) x 1, Port Replicator Interfaces - GigaEthernet / VGA Port Connectivity: Built-in WWAN - Everywair Wireless WAN 7.2Mbps (HSDPA/HSUPA, UMTS, EDGE, GPRS), Wireless LAN Max. Data Rate (Mbps) 300 (RX)/ 150 (TX), Integrated Bluetooth (Version) 2.1 + EDR Battery: Lithium-Ion battery (VGP-BPS15/B) Battery Life (min) 165. Actual battery life will vary depending on your specific hardware and software configurations. Benchmark: MobileMark 2007 Video & TV software: WinDVD 8.0 for VAIO Audio software: Windows Media Player 11 Photo software: Google Picasa Office application software: Adobe Reader 8.1, Adobe Standard 8, Microsoft Office Ready 2007 (60 days Try & Buy) Security & other software: McAfee Internet Security Suite (with 60 days free virus updates), VAIO Recovery Utility - HDD recovery (hidden partition) Accessories included: AC Adaptor, Battery - VGP-BPS15/B, Power Cord, VGP-DA10 (Display/LAN Adapter) Dimensions: D 120 x H 19.8 x W 245mm Weight: Weight with Supplied Battery and Supplied Drive (kg) 0.638 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

Lotus Flower Scented Filled Candle, at Marks & Spencer
Glass holder Lotus flower fragrance Burns upto 4 hours, Manufacturer: Marks & Spencer

Col Glass Vase - CHOC OVAL VASE, at Marks & Spensers
Manufacturer: Marks & Spencer

Rose Print Mug, at Mark's & Spencer
Rose design Slim handle, Manufacturer: Marks & Spencer

Formal Square Buckle Belt, at Marks and Spencer
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

Footglove™ Wide Fit Leather Court Shoes, at Marks & Spensers
Round toe Slip on Stitch detail Side buckle feature Mid heel Heel height: 65mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Father's Day Whisky Football Bottle, at Marks&Spencer
Filled with Kenmore blended whisky, this football shaped whisky bottle is the perfect treat for footie loving dads

Limited Collection Lucky Charm Necklace, at M&S
Clasp fastening Adjustable length Multi strand Mixed charms Necklace length: 41cm, extendable by 8cm

Cotton Rich Stripe Vest, at Marks & Spenser
Pretty and feminine, this strappy vest features a stunning lace trim. The soft stretch cotton fabric gives a comfortable flattering fit

Tiga Bookcase, at M+S
H192 x W80 x D35cm 4 shelves 1 drawer Made from sheesam wood Finished with a protective matt lacquer for added durability 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 , Manufacturer: Marks & Spencer

Cats Photographic Calendar, at Marks & Spenser
Month-to-view Approx. size: 225 x 390mm

Musicals CD, at Mark's & Spencer
Audio CD, Marks & Spencer

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

Marble Collection Soap Dispenser, at Marks & Spenser
Pump action Marble design, Manufacturer: Marks & Spencer

Leaf Trellis Eco Wallpaper, at Marks & Spensers
Textured wallpaper Offset pattern repeat 64cm - The pattern runs diagonally across the wall, so only alternating rolls will be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests Eco range - environmentally friendly wallpapers printed on paper from managed timber sources (100% FSC) using purely water-based inks How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Floral Print Gathered Waist Dress, at Marks and Spencer
Chic and contemporary, this gathered waist dress features a floral print and tie bow fastening. A fabulous fashionable look

Maritza Swirl Bracelet, at Marks & Spencer
Stretch style Mixed beads

Snake Band Halterneck Bikini Top, at Marks & Spensers
Modern and stylish, this flattering bikini is designed in the latest shape. The ultimate in poolside glamour

Organic Cotton Seersucker Bedset, at Marks & Spencers
Seersucker style Single set includes single duvet cover and 1 pillowcase Double set includes double duvet cover and 2 pillowcases King size includes king size duvet cover and 2 pillowcases Added stretch, Manufacturer: Marks & Spencer

Luxury Single Breasted 2 Button Plain Jacket, at Marks & Spencers
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

50/50 Panelled Bedset, at Marks & Spencer
Panelled Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases Kingsize set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Ceriso Essentials Spot Embroidered Thong, at Marks & Spencers
Fashionable and flirty, this modern thong features a spot embroidered design. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Ethnic Bead Drop Earrings, at Marks & Spensers
Hook fastening Drop style Mixed bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Mirrored Floor Cabinet, at Marks & Spencer
H88 x W40 x D36cm With 1 shelf Mirrored glass finish with clear knobs 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 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 30% when you buy this floor cabinet as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Lightweight Stripe Scarf, at Marks and Spencers
Keep out the cold in style with this warm, soft scarf

Rosina 2-Seater Occasional Sofa Bed, at Mark's & Spencer
H85 x W174 x D97cm (extends to L233cm) Seat H47cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Mattress dimensions: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Maxim 5-Piece Pasta Set, at Marks and Spenser
Set of 5 Includes 4 small pasta bowls and 1 large pasta bowl Plain white porcelain Versatile fine dining range Suitable for everyday use Small pasta bowl: Diam 22cm Large pasta bowl: Diam 28cm, Manufacturer: Marks & Spencer

Official ECB Cricket Ball, at Marks & Spencer
ECB Ashes logo 1997 2007 ECB. The three lions logo, ECB, England Cricket and Ashes Series logos are trade marks (or where relevant registered trade marks) of the ECB ECB is a registered trademark of the England & Wales Cricket Board, Manufacturer: Marks & Spencer

Long Sleeve Bead Embellished Kaftan, at Marks and Spencers
Feminine and flirty, this kaftan is designed to fit and flatter. A fabulous fashionable look

La Prendina Estate Pinot Grigio 2008 - Case of 12, at Marks & Spencers
Style: Dry, medium bodied Grape variety: Pinot Grigio otherwise known as Pinot Gris Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites This product is not available for international delivery. Find out more

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 Marks & Spencer Money. Offering everything from savings accounts and credit cards, to Buildings 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 Marks & Spencer 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 & Spencer Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencer 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."