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 & 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, 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.

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 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.

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

Whether you're looking for savings products or Marks & Spencer Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencer 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 & Spencer 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 Mark & Spencers insurance products in document format too.

3 Pairs of Sheer Assorted Design Knee Highs, at Marks and Spencers
Treat your legs to a touch of style. These daisy net knee highs have a durable reinforced design to keep them looking good, wear after wear

Classic Collection Herringbone Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers in traditional herringbone are finished with a stitched crease and decorative fob. They make the perfect match for blouses and knitwear in complementary colours. Discreet elastication gives a comfortable fit

Plain Braces, at Marks and Spencer
Add a smart finishing touch with these stylish adjustable braces

Blue Lace Cushion, at Marks and Spencers
Rectangular shape Embroidered lace design Dimensions: L30 x W40cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Straight Leg Trousers, at Marks & Spensers
Fashionable and contemporary, these straight leg trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

The Floral Collection Magnolia Bath Cream, at Marks & Spencers
Foaming bath cream Moisture rich Magnolia fragrance 500ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Decyl Glucoside Sodium Chloride, Parfum, Magnolia Liliflora (Magnolia), Glycerin, Glycol Distearate, Laureth-4, Disodium EDTA, Citric Acid, Benzophenone-2, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Citronellol, Geraniol, Isoeugenol, Linalool, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben, CI 19140, CI 14700

Square Check Flat Cap, at Marks & Spencers
A traditional British classic, this is a versatile style that looks great worn smart or casual

Autograph Luxury Pure Cotton Long Sleeve Multi Stripe Shirt, at Marks & Spencers
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Autograph Mock Crocodile Padlock Jewellery Box, at Marks and Spencer
Carry handle Padlock Mock crocodile effect Internal mirror Various sized compartments 3 drawers 23 x 17.5 x 14cm

Serveware - NEW LARGE BOWL, at Marks & Spencer
Manufacturer: Marks & Spencer

Fairtrade Pure Cotton Scoop Neck Top, at Marks & Spensers
This stylish short sleeve top is a good deal for you and for our Fairtrade farmers. It's made from 100% Fairtrade cotton, helping local farmers to invest in developing their own communities

M400 Mattress - Medium, at Marks and Spencers
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm 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 edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning 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

Satin Trim Push Up Multiway Bra, at Marks and Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Little Acorns Large Gift Bag, at Marks & Spencers
Contains: 1 gift bag H420 x W305 x D150mm

Cross Panel Knee Length Skater Skirt, at Marks n Spencer
Pretty and feminine, this panelled skirt makes a fashionable, flattering choice. A great work-to-evening style

Adored Leaf Embroidered Non Padded Bra, at Marks and Spencers
Elegant and stylish, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear.

Pop Art Collar Necklace, at Marks n Spencer
Ribbon fastening Chunky bead design Contrast inner square detail Length: 102cm

Bay Tree Pyramid, at Marks and Spencer
Presented in a large square planter, this beautiful bay tree is the perfect addition to any outdoor space Available for delivery from 28th April to 30th September 2009

Chevron Print Scarf, at Marks and Spencer
Add a fashionable finishing touch to your look with this elegant chevron print scarf. The perfect accessory to this season's styles

Siemens HF26056GB 1000W Built-in Microwave Oven, at Marks and Spencer
27-litre capacity 5 microwave power levels, 3 defrost programs Max 1000W power output Electronic control with clear display H380 x W562 x D450mm (including casing) Stainless steel 34cm glass turntable Left-opening door Fits the top cupboard in the Sonoma Oven Unit. Click here to view the Sonoma Oven Unit

Bare Cooling Shine Tights, at Marks and Spencer
Never lose your cool again in warmer weather with our Bare Cooling tights. Crafted from a revolutionary Japanese yarn, their incredibly lightweight design releases a cooling sensation to your legs as you wear them

Textured Single Breasted 2 Button Piped Jacket, at Marks & Spenser
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Limited Collection Wood Bead Necklace, at Marks and Spencer
Tie fastening Wood bead design Cord chain Necklace length 69cm

Wool Blend Stripe Tie, at Marks and Spencer
Add a smart finishing touch with this hardwearing stripe design wool mix tie

Younger Boys' Plain Fluffy Dressing Gown, at Marks n Spencer
Soft and cosy, this dressing gown is made from comfy fluffy fabric

3 Photo Frames 10 x 15cm (4 x 6"), at Marks & Spencers
Pack of 3 Removeable mount card Wood stand Rectangular frame Frame dimensions: H24.5 x W19cm Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

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

Short Sleeve Wavy Knitted Shirt, at Marks & Spencers
Smart and stylish, this wavy knitted shirt is made from stretch fabric for a flattering and fashionable fit

Hannah Montana Range Set of 3 Pens, at Marks & Spencer
3 ballpoint pens Hannah Montana design 135 x 10mm Disney

Grandad Text Birthday Card, at Marks & Spencer
Cover text: To a special Grandad Grandfather Papa Pop Grandpa Gramps Inside Message: Wishing you a very happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 x 126mm

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 & Spencers 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 & Spensers, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.