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 Money Direct financial products are, of course, designed to make Marks & Spensers 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, Property Insurance policies. Usually, UK Property 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 Direct Property 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 Direct Property Insurance than you will anywhere else, and you may even pay less with M&S.

M&S Money Direct 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 Property 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 Property 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 Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

• M&S Insurance: M&S Car Insurance, M&S Property 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 Mark's & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Ceriso Styled French Maid Stripe Underwired Bra, at Marks & Spencer
Feminine and fashionable, this modern bra is beautifully detailed with lace trim and rose feature. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

3 Older Girls' Cotton Rich Polka Dot Bikini Briefs, at M&S
Practical and fashionable, this pack of 3 cotton rich briefs feature polka dots and a centre bow detail

Silver Tree Shiraz 2007 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Shiraz Country of origin: South Africa Closure: Natural Cork Suitable for vegans Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml:1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Bib Front Dress, at Mark's & Spencer
Delicate and pretty, this flattering cover up dress is designed in the latest shape. The ultimate in poolside glamour

Cotton Rich Double Button Skinny Jeans, at Marks n Spencer
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Divan On Legs & Autograph M500 Mattress - Firm, at Marks & Spenser
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 31cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Griffin iClear for iPod Invisible Protection, at Marks & Spensers
iClear's transparent and unobtrusive design protects your iPod with a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

Sony Bravia 46'' KDL-46W4500 HD Ready LCD TV, at Marks & Spencer
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 46 inch LCD TV, 6.2 Mega Pixels Contrast Ratios: Dynamic contrast 50,000:1 Integrated Digital and Cable Tuner Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported providers only) Dimensions: W112 x H78.2 x D30.7cm (with stand) , W112 x H74.2 x D11.5cm (without stand) Weight: 31kg (with stand), 26.5kg (without stand) S-Force Pro Front Surround: Gives you virtual surround sound from just two front speakers Connections: 4 x HDMI (3 in back, 1 on side), PC connectivity, 1 x Component and 2 x SCART sockets BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen 24p True Cinema: Shows films at 24 frames per second, just like a real cinema Motionflow: Boosts the refresh rate from standard 50Hz to 100Hz for super-smooth, precise viewing, which is ideal for sports Xross Media Bar: A new Sony interface that's easier to operate Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input Voice Zoom: Allows you to alter the volume of voices without changing the background volume BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Anthony Bear Pompom Flowers Daughter Birthday Card, at Mark & Spencers
Cover text: To a special Daughter Inside message: Happy birthday Approx size: 150 x 150mm

Per Una Scallop Buckle Shoes, at Marks and Spenser
Round toe Buckle fastening Scallop detail Mid heel Heel height: 80mms Comes in sizes 3-8, including half sizes

Collezione Twin Toe Cap Shoes, at M & S
Round toe Gusset toe cap stitch Lace-up Block heel

Black & Decker® PV1205BN Dustbuster® Pivot® Vac, at Marks and Spencer
12V power for maximum cleaning performance and efficiency - ideal for the more demanding clean-up tasks Pivoting nose enables easy cleaning of areas difficult to reach with conventional hand vacs The pivoting nose has 10 settings for maximum flexibility to clean in hard to reach areas such as underneath cupboards, or on shelves overhead Cyclonic action spins dirt away from the filter maintaining optimum suction power Double action filtration means product performs better and lasts longer Filter cleaning wheel for easy and hands free cleaning of the filter The side empty door is an easy to empty system which means all the dirt goes straight in the bin - hands dont touch the dirt! Built-in extendable crevice tool enables deep cleaning of confined spaces/small areas Innovative design is unique and stylish Accessories are stored on board, always at hand for your cleaning jobs Ergonomic design for comfortable use 2 speed switch for increased power control This product is not available for international delivery. Find out more

Orvieto Single Estate 2008 - Case of 12, at M & S
Style: Dry Grape variety: Mixed White Country of origin: Italy Closure: Synthetic closure 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 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Glass Art Deco Photo Frame 25 x 20cm (8 x 10"), at Marks and Spencer
This glass art deco inspired photo frame is an elegant and stylish way to display a treasured photograph

Pop-Up Laundry Basket, at Marks and Spencer
Pop-up feature Carry handles, Manufacturer: Marks & Spencer

Cotton Rich Thomas & Friends™ Shorties, at Marks & Spencers
Fun and practical, this 2 part set features a cool t-shirt and matching shorts with drawstring fastening. It's made from soft cotton to keep him comfy

Diamanté Shoes Daughter 18th Birthday Card, at Marks&Spencer
Cover text: To a very special daughter on your 18th birthday Inside message: Happy Birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Limited Pure Cotton Skull T-Shirt, at Marks and Spencer
A casual contemporary street style, this t-shirt features a skull motif. The soft cotton fabric makes it comfortable, practical and easycare

Portfolio Short Sleeve Square Print Blouse, at Marks & Spenser
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Ashton Bedstead, at M & S
Headboard: H111.5cm Endboard: H69cm Underbed: H28cm Single: L201 x W101cm Double (4ft 6''): L201 x W147cm King size (5ft): L201 x W162cm Mattress sold separately Made from solid poplar and rubberwood 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 Delivered flatpack due to size 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

2 Halves of Dressed Fresh Canadian Lobster, at Marks & Spenser
Serves 2 2 halves Ready to eat 184g total weight As featured on page 22 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

2" Longer Sleeve Pure Cotton Bold Stripe Shirt, at Marks & Spencer
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

Pure Cotton Cord Stripe Towel, at Mark & Spencers
Cord stripe design Comes in 3 sizes: Hand - 50 x 90cms Bath - 68 x 137cms Bath sheet - 89 x 178cms, Manufacturer: Marks & Spencer

Luxury Pure Cotton Long Sleeve Stripe Shirt, at M & S
Offering a timeless appeal, the soft twill finish of this pure cotton shirt provides easy to wear comfort, while the traditional cut makes it an essential part of any smart wardrobe

The Floral Collection Shower Cream Pack, at Marks and Spencers
Celebrating a floral heritage, this indulgent shower cream collection will gently cleanse your skin leaving it soft, smooth and beautifully scented

Cotton Rich Transformers Hooded Top, at Marks and Spencer
Fans of Transformers will love this hooded top featuring embroidered motif. A practical, easycare style

Blue Harbour Short Sleeve Check Shirt, at Mark's & Spencer
Stylishly smart casual, this comfortable check shirt looks great dressed up or down

50% Extra Stems on Summer Dawn Bouquet, at Marks & Spencers
This item can only be ordered with the purchase of the Summer Dawn Bouquet (00669221)

Griffin iClear for iPod Nano Invisible Protection, at Marks and Spencer
iClear provides total protection and total access to screen, controls, ports, and switches Simply place your iPod into iClear's front casing and snap the rear section in place Includes a static peel screen protector and premium cleaning cloth, for proper care and protection of your touchscreen Available in package configurations with or without armband

M&S 10m Phone Extension Cable, at Marks & Spensers
10 mtrs Standard telephone fittings This product is not available for international delivery. Find out more 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

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car 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 M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

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

Free insurance quotes are available online for all of M&S Money Direct insurance products (Property Insurance, Car 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 MarksandSpencer insurance products in document format too.