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. Marks & Spencers Money financial products are, of course, designed to make M & S 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 Marks & Spencers 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 Marks & Spencers Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the Marks & Spencers 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 & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

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

Besides Marks & Spensers Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers 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 Marks & Spencers 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 & Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencers 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.

24 Mini Cured Pork Pies, at Mark & Spensers
Contains 24 pieces Serves 12 Ready to eat Suitable for freezing 4 x 300g As featured on page 16 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

Let's Cook with Kids Book, at M&S
Let's cook with kids is all about cooking together and having lots of fun at the same time. There are over 20 delicious, easy-to-make recipes for you to try, from yummy breakfasts like American-style pancakes to quick after-school suppers such as tasty noodles; not forgetting lots of mouth-watering puddings

Zandra Rhodes Twist Front Kaftan, at Marks and Spencer
Go for poolside glamour in this chic kaftan by Zandra Rhodes. It's hand embellished for a luxurious, eye-catching look and has a flattering deep V neckline and gathered twist detailing

De Saint Gall Rosé Brut - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Chardonnay, Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pink Holographic Butterfly Garden Birthday Card, at Mark & Spencers
Cover Text: Birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Sunflower Jug, at Marks and Spencer
A bold and beautiful display of 10 cheery sunflowers interspersed with wisps of panicum grass and arranged in an attractive, country-style galvanised jug Available for delivery from 1st July to 30th September 2009

Formal Wing Pleat Long Sleeve Shirt, at M&S
The perfect companion to your tuxedo, this classic wing pleat shirt will ensure a dapper appearance for those special events and occasions

Long Beach Sweetie Necklace, at Marks and Spencers
Assorted beads Long length Clasp fastening Necklace length: 101cm

Dan's Mouse Thinking of You Poem Card, at Marks & Spencer
Cover text: Thinking about you..., There are better times ahead of you, In lots of different ways, 'Cause just around the corner, Are the sunniest of days Inside message: With love Approx size: 174 x 125mm

Pure Silk Collie Floral Tie, at Marks and Spencer
Add a luxurious finishing touch with this contemporary floral design tie in pure silk

Cotton Rich Floral Top & Leggings Outfit, at Marks and Spencers
Practical and pretty, this cute top and leggings 2 piece outfit is made from soft cotton/velour/fabric to keep her feeling comfy and happy

Set of 3 Rococo Style Photo Frames 5.1 x 7.6cm (2 x 3"), at Marks and Spencer
Set of 3 Rococo style Option to stand or hang Dimensions: 5.1 x 7.6cm (2 x 3"), Manufacturer: Marks & Spencer

2 Pairs of Cotton Blend Knee High Socks, at Marks & Spencers
These cotton blend knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Blue Harbour Pure Cotton Crew Neck T-Shirt, at Mark & Spensers
Fashionable and relaxed, this crew neck t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Cap Sleeve Floral Embroidered Jersey Top, at Marks & Spencer
This fab cap sleeve top features a stunning floral embroidery. A sophisticated new look, perfect for this season

Per Una Pure Cotton Floral Spot Embroidered Blouse, at Marks and Spencer
A delicate embroidered blouse in pure soft cotton, the button detail gives it the Per Una touch

Reversible Knitted Wrap, at MarksandSpencer
Keep warm without compromising on style! This fashionable wrap is reversible, making it even more versatile. A great way to add a cosy extra layer

Mother's Day Address Book, at Marks and Spencer
Pack Contains: 1 address book Approx Size: 160 mm x 160 mm

Ingredients Almond Hand Cream, at Marks and Spencer
Almond scented 75ml

Blue Energy Eau de Toilette, at Marks and Spencer
100ml Eau de Toilette Natural spray This product is not available for international delivery. Find out more

Clear Salt & Pepper Condiment Mills, at Marks & Spenser
Pack of 2 Salt and pepper mills Screw top design H14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Domaine Bastides d'Eole 2007 - Case of 6, at Mark's & Spencer
Style: Full bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork 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 This product is not available for international delivery. Find out more

Younger Boys' Pure Cotton Mr Men Hat, at M&S
Fans of Mr Men and Little Miss will love this sun hat featuring Mr Bump the popular character

Floral & Polka Dot Thank You Cards - Pack of Ten, at Marks & Spencer
Inside message: Blank for your own message 10 cards, 1 design Approx size: Unfolded: 155 x 110mm

Sony PSP™ 3000 Console with Buzz Brain Bender & Loco Roco Games Bundle, at Marks & Spencer
Bundle includes PSP 3000 console, Buzz Brain Bender & Loco Roco Buzz Brain Bender: Buzz! swaps his trademark game show suit for a lab coat and clipboard. Welcome to Buzz!: Brain Bender - a lighter, entertaining and humorous new take on the puzzle genre! Loco Roco: The peaceful world of the Loco Roco are under attack by the not-so-nice Moja Corps. These evil outer space creatures want nothing but to capture the blissful Loco Roco and take them from their land of blowing flowers, lively creatures and pastel scenery. As the planet where the Loco Roco inhabit, players must tilt, roll and bounce the Loco Roco to safety Display: 4.3'' display (16:9) full-transparent type, TFT drive, 480 x 272 pixel, Approximately 16,770,000 colors displayed Improved screen: Capable of displaying movies and photos in more natural and vibrant colors CPU: PSP CPU (System clock frequency 1-333MHz) Built-in microphone: Enables voice chat as soon as you are in a WiFi zone. Enjoy games that use a microphone, Skype and other communication tools TV play: Expanded AV interlaced output gives better refresh rates and sharper images on the TV Sound: Built-in stereo speakers Main memory: 64MB Video formats supported: MPEG-4, AVI Audio formats supported: MP3, MP4, WAVE, WMA, ATRAC3™, ATRAC3plus™ Photo formats supported: JPEG, TIFF, BMP, GIF, PNG Connectors: USB connector, Memory Stick Duo™ slot, Video out/headset connector, DC in/out Input/output: Wi-Fi, High Speed USB, Memory Stick PRO Duo™, Analog Video Out, Microphone Power source: Lithium-Ion rechargeable battery pack, AC adaptor, USB power supply Dimensions: L17 x D1.8 x W7.1cm Weight: 189g (including battery pack)

Autograph Stainless Steel Cocktail Shaker, at Marks and Spenser
Metallic sheen Suitable for cocktails H30cm 10 cm deep, Manufacturer: Marks & Spencer

Tall Cylinder Bubble Base Vase, at M & S
Bubble base feature Hand made, clear finish Made of glass H40 x Diam 14cm, Manufacturer: Marks & Spencer

Beaded Rope Necklace & Earring Set, at Marks and Spencer
2 part set Mixed beads Drop earrings with hook fastening Rope design necklace with clasp fastening and adjustable length Necklace length: 102cm, extendable by 8cm

5 Younger Girls' Pure Cotton Heart Print Briefs, at Marks and Spencer
Fun and fabulous, this 5 pack of cotton briefs feature heart print designs

Petite Knee Length Belted Pencil Skirt, at Marks & Spenser
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but M & S do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the Marks & Spencers Money website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (Home Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spenser insurance products in document format too.