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 & Spencer 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 Marks & Spencer 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 & Spencer Money Home 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 & Spensers 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 Car 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 Spencer, 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 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 Home 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 Home 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.

Underwear Print Laundry Bag, at Marks and Spenser
Drawstring fastening Underwear print

Classic Collection Short Sleeve Check Blouse, at Mark & Spensers
Feminine and pretty, this check print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Silver Plated Diamanté Long Necklace, at Marks & Spencers
Mixed beads Long length Diamant detail

Domaine Des Garennes Minervois 2006 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Syrah, Grenache & Carignan 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

Compton Side Table, at Marks n Spencer
H57 x W50 x D57cm 1 drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Compton Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Fleece Dressing Gown, at Marks n Spencer
Wonderfully warm and cosy, the fleecy fabric of this classic dressing gown creates the perfect solution for indulging in soft, relaxing comfort

Woodspice Talc for Men, at Marks & Spencer
Woodspice fragrance 200g

5 Cotton Rich Bright Spot Print Shorts, at Marks & Spencer
These spot print cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Sonoma 2 Door Sideboard, at Mark's & Spencer
H88 x W123 x D50cm 2 doors 2 drawers Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength 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 , Manufacturer: Marks & Spencer

Autograph Pure Cotton Floral Print Dress, at Mark & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Per Una Embroidered Jersey Top with Camisole, at Marks and Spenser
A gorgeous jersey top with camisole featuring an embroidered neckline and diamonte button detail

Textured Knee Length Piped Skirt, at Marks and Spencer
Chic and stylish, this piped skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

Feather Bow Headband With Satin Trim, at Marks & Spencer
Trimmed with a striking bow and feathers, this glamorous fascinator band is sure to turn heads!

Per Una Frill Wedge Court Shoes, at Marks and Spencers
Almond toe Frill design Slip on Wedge heel

XBOX 360® Lara Croft Tomb Raider Anniversary Game, at Marks & Spencer
Encounter fierce animal and supernatural enemies, wolves, bears, crocodiles, horrific monsters and the T Rex Use all of Lara's guile, athleticism and gadgets in her quest to conquer the unknown and uncover ancient artefacts Single player You must be 16 years of age or over to purchase this product 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, Platforms: Xbox 360, ESRB Rating: Teen

Adored Comfort Embroidered Non-Padded Bra, at MarksandSpencer
Elegant and stylish, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. It's underwired and shaped for an uplifted natural look. Feminine everyday lingerie

Gold Plated Regal Cushion Ring, at Marks and Spencer
Small gemstone outer layer Larger gemstone centre

Château Gressina 2007 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Merlot, Cabernet Sauvignon, Malbec Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Sony 32GB WALKMAN® MP3 Player, at Marks and Spencers
Digital Noise Cancelling delivers amazing audio fidelity while blocking out external ambient noise (total suppression ratio of 17dB / 98%) Select Noise Cancelling manual settings for bus, plane, train or office to match your environment; or Quiet Mode for any usage S-Master Digital Amplifier for crystal clear sound with no distortion or analogue signal errors - putting you centre-stage in the studio or concert hall Clear Audio Technologies reproduce sound that's as true to the original source as it can be, for a mind-blowing listening experience Clear Stereo and Clear Bass deliver a perfectly precise and clear sound, cutting out audio distortion whatever the volume DSEE restores sound quality lost during file compression, recreating high frequencies as close to the original recording as possible 13.5mm EX earbud headphones for balanced rich sound quality, with unique closed and air-tight fit giving you deeper bass Five band equaliser and VPT to customise music settings Open format support for all major file types includes MP3 / MP4 / WMA / AAC / Linear PCM / AVC / WMV / JPEG 3" full colour OLED touchscreen display for razor-sharp, ultra-bright video playback in incredible detail and clarity (WQVGA 432x240 pixels / 262,144 colours) 32GB storage holds up to 8,000 tracks (128kbps mp3) or over 120 hours video playback (at 384kbps) OLED (Organic Light Emitting Diode) technology for 100% colour reproduction, 10000:1 contrast ratio and wider viewing angles (up to 180 degrees) OLED technology for super-quick response times (0.1ms) - giving you breathtaking results on screen, even with fast-moving action scenes like sports Continuous playback for 33 hours of music and 9 hours of video Hi-speed USB port, and easy charge (3 hours full charge) Music searching by album, artist, genre, release year, playlists and folder Video playback includes scene scroll, to stop and start content using intelligent touchscreen technology Put your own soundtrack to photo playback, and create your own wallpaper using stored images Import, preview and transfer music, photos and videos straight from your computer to your WALKMAN player with Content Transfer software Quick start guide, USB cable, audio input cable and plug adaptor for in-flight use supplied Dual hybrid touchscreen and button operation, for easy control on the move Pre-installed and customisable wallpaper graphics Surf the web with built-in Wi-Fi: On-board connectivity lets you stream YouTube™ clips and podcasts

Millionaire's Shortbread Dessert, at M+S
Serves 6-8 Ready to eat Not suitable for nut allergy sufferers Comes in a table-presentable bowl 750g total weight As featured on page 49 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

Footglove™ Wide Fit Leather Court Shoes, at Marks and Spenser
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

Baroque Jacquard Pillowcase, at Marks & Spencer
Baroque jacquard design Fits standard pillows, Manufacturer: Marks & Spencer

Blue Lace Bedset, at Mark's & Spencer
Floral lace embroidered design 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, Manufacturer: Marks & Spencer

Fruit Beauty Flower Bath Fizzers Gift Pack, at Marks and Spencers
Contains: wowee plum, zingy lemon, funky orange and shocking raspberry flavours Flower bath fizzers

Portfolio Reversible Leather Belt, at Mark's & Spencer
Define your waistline with this fashionable leather belt

Nintendo Wii™ Console with Disney Sing It Game Bundle, at MarksandSpencer
Includes wireless Wii Remote, Wii Nunchuk and Sing It game with Microphone Sing it Game with Microphone: Disney Sing It is the new karaoke video game that allows fans to perform to 35 songs from Camp Rock, High School Musical, Hannah Montana, Miley Cyrus, Aly & AJ, Jesse McCartney and more Plays two disc formats in a single, self-loading media bay Features a processing chip from IBM and a graphics chip from ATI Completely backward compatible, all the way to the NES of the 1980s Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Online Wii Channel for news, weather, photo viewing, message boards and more Supports up to 4 GameCube controllers SD card slot Fully compatible with GameCube games Comes with A/V cable and UK power adapter

Baby Text Birth Announcement, at Marks and Spencer
Cover text: New baby Inside message: Would like to announce the birth of...a new arrival...on...time...weighing 10 cards, 1 design Approx size: 120 x 120mm

Triple Bead Drop Earrings, at M & S
Hook fastening Drop style Triple bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Weekend Pure Cotton Double Breasted Knit Coat, at Marks & Spencers
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

Big And Tall Suedette Micro Jacket, at Marks and Spencer
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

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 Home Insurance and Car Insurance, there's a lot more going on at M+S 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."