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. M&S Financial Services financial products are, of course, designed to make Marks and 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Financial Services Buildings & Contents 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 Financial Services Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Financial Services 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 M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Buildings & Contents 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 Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

M&S Financial Services 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 Buildings & Contents 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 & Contents 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Cotton Rich Bootleg Jeans, at Marks & Spencers
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Autograph Lace Cardigan with Cashmere, at Mark's & Spencer
Soft and snuggly, this practical cardigan will keep her feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Cotton Rich Total Support Swirl Embroidered Bra, at Marks and Spenser
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

Tummy and Waist Control Vest, at Marks&Spencer
This tummy control vest gives a flattering shape - great under close fitting tops. The hidden panel shapes the waistline and flattens your tummy while the longer length helps prevent it rolling up

Perfect 60 Denier Opaque Tights, at Marks and Spencers
Bold, colourful opaques are the perfect way to give any outfit this season's look. Pick up your pair today

Sprung-Edge Divan on Legs & M400 Mattress - Firm, at Marks & Spensers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 31cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 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

Button Detail Knee Length Skirt, at Marks and Spencer
Chic and stylish, this above the waist skirt features a button detail and contrast stitching. A great choice for work or smart occasions and it's machine washable for added convenience

Pure Cotton Spot Beach Towel, at Marks and Spencers
Spot design L90 x W160cm, Manufacturer: Marks & Spencer

4 Pairs of Fine Cotton Multi Design Socks, at Marks & Spensers
Smart socks with a luxurious feel and appearance. A reinforced heel and toe gives extra durability

Handcrafted Floral Wreath Photograph Mother's Day Card, at Marks & Spencer
Cover text: Happy mother's day Inside message: Have a lovely day Approx size: Unfolded: 150 x 150mm

Birthday Cake Gift Card, at Marks & Spencers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Per Una 3/4 Sleeve Cardigan, at M&S
A feminine 3/4 length sleeve top in textured fabric featuring an embroidered design and tie fastening

Velvet Soft Bronzing Powder, at Marks and Spencers
Clear lid Compact design

Water Resistant Digital Sports Watch, at Marks & Spencer
Ideal for sports, this stylish watch looks great with casualwear too

7 Piece Newborn Pure Cotton Animal Set, at Marks & Spencer
Ideal for new arrivals, this cute and practical set contains: a jacket, 2 crawler, 2 bodysuits, t-shirt and bib. A great value pack in soft comfy cotton

Stormwear™ Faux Fur Multi Pocket Hooded Parka, at Marks & Spencers
Practical and fashionable, this multi pocket hooded parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Portfolio Pure Cotton Broderie Tunic, at Marks&Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Luxury Pure Silk Hill Tie, at Marks and Spencer
Add a luxurious finishing touch with this contemporary patterned tie in pure silk

Frill Sleeve Satin Blouse, at Marks and Spencer
This frill sleeve blouse makes a perfect way of getting the smart casual look this season. It has a pleat design and a satin finish for an extra touch of stylish chic

Ivory Leather Small Wedding Photograph Album, at Marks & Spenser
Album and gift box 105 glue dots 700Mb CD-R Album: H155 x W200 x D33mm Box: H168 x W215 x D40mm

Ten in the Bed Book, at M&S
A colourful and beautifully illustrated adaptation of the traditional nursery rhyme. Explore a magical adventure with the toys as they come to life in this bedtime tale. Children will love to press the buttons and sing a long to the familiar tune as they follow the story

Hopsack Weave Pencil Pleat Curtains, at Marks and Spencers
Pencil pleat 2 curtains per pack Hopsack weave pattern Fully 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'') Made from heavier weight hopsack fabric. Composition: 100% polyesterLining: 50% polyester and 50% cotton Care instructions:Dry clean only How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Office Essentials Birthday Card, at M&S
Cover text: Happy Birthday Inside message: Wishing you a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 174 x 126mm

Perfect Autograph Long Sleeve Jumper, at M&S
Our cotton blend V-neck, in a range of colours, goes in the machine and the tumble dryer. You won't get through autumn without one

Younger Girls' Bow Detail Boots, at Marks and Spencer
Round toe Pull on Bow detail Flat sole Lined Comes in sizes 4-13

2 Machine Washable Multi Stripe Ties, at M&S
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Autograph Art Deco Jewellery Box, at Marks & Spencers
Art deco design 4 drawers Mirror finish Internal compartments 35 x 25 x 16cm

Perfect Autograph Weekend Modal Rich Pyjama Bottoms, at Mark & Spensers
Modern and sophisticated, these drawstring pyjama bottoms are part of our exclusive Autograph Weekend collection. They're beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

5 Pure Cotton Bikini Briefs, at Marks & Spencers
Practical and fashionable, this 5 pack of cotton briefs makes a great way to stock up on essential style

Portfolio Lightweight Paint Splash Design Scarf, at M&S
Add a luxurious finishing touch to your look with this elegant paint splash design scarf. The perfect accessory to this season's styles

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 Marks and Spencer 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 Marks&Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.