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 & Spencer are so useful. Marks & Spencer Money 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, 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 Mark's & Spencer 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 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 & 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.

When you're shopping at Marks n Spencer 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 Motor 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."

Classic Collection Funnel Neck Fleece Jacket, at Marks & Spencers
Perfect for relaxing at home as well as keeping warm outside, this cosy fleece features jacket-style detailing for a smart, fashionable look. So versatile and comfortable, you'll want to wear it all the time

Charlotte Lge 2 Seat Sofabed (occasional) AU09 Newness, at Marks and Spencer
Manufacturer: Marks & Spencer

25 Fresh Rose Room Scenters, at Marks and Spencer
Pack of 25 Fresh rose scented Burns upto 4 hours each, Manufacturer: Marks & Spencer

Cotton Rich Frill Check Dress, at MarksandSpencer
Fun and casual, this easywear dress feels so comfy to wear. Frill detail keeps the look fabulously fashionable

Per Una Pure Cotton Check Design Pyjamas, at Mark's & Spencer
Modern and feminine, these pretty pyjamas are made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Pure Linen Turn Up Cropped Trousers, at Marks and Spencers
Fresh and fashionable, these linen below-the-knee trousers look chic with wedges, sandals or flat pumps. Contrast stitch details add an extra touch of style

Pure Cotton Floral Print Knee Length Skirt, at Marks & Spencer
Cute and sassy, this cotton skirt features a floral print. A fabulous fashionable look

5 Cotton Rich Spot Print High Leg Knickers, at M+S
These high leg knickers are perfect for everyday wear and this multipack makes a great way to stock up your underwear drawer

7 Pure Cotton Assorted Bodysuits, at Marks and Spencer
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value bodysuits are designed to keep her looking adorable and feeling comfy and happy

5 Pairs of Long Butterfly Socks, at Marks & Spensers
With added stretch ensuring they stay up all day long, these cotton rich knee high socks are a perfect option for the coming school year

Malabar Bookcase, at Marks & Spenser
H190 x W110 x D40cm 2 drawers 5 shelves Crafted predominantly from solid mango wood Protective low-sheen lacquer finish for added durability Antique-brass effect handles 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

Gold Plated Abalone Y Design Necklace & Earrings Set, at Mark's & Spencer
2 part set Hook fastening abalone drop earrings Y design necklace with intermittent beads

Per Una Roma Wide Leg Centre Crease Trousers, at Marks & Spencers
A smart pair of wide leg trousers in a soft stretch fabric featuring a centre crease and jet pockets

Enry the Elephant Sister Birthday Card, at Marks & Spencer
Cover text: To a lovely Sister Message: Have a lovely day! Approx size: 150 x 150mm

Limited Collection High Heel Shoes, at Marks & Spencer
Round toe Buckle fastening High heel Patent finish Comes in sizes 3-8, including half sizes

Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spenser
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

Marin Ridge California Shiraz 2007 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Shiraz (Syrah) Country of origin: USA Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol Alcohol units per bottle 10.1 Alcohol units per 125ml 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Crayon Patterns Multipack of Mini Cards, at Marks and Spencer
Cover text: Design 1: With Love, Design 2: blank, Design 3: thank you, Design 4: blank Inside message: blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Dry Cured Rack Joint with a Pomegranate Molasses Glaze, at Marks and Spencers
10 rib Serves 10-12 Ready to cook Suitable for freezing 3kg As featured on page 37 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

Pure Cotton Long Sleeve Stitch Stripe Shirt, at Marks and Spencer
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

White Rattan Laundry Sorter, at Marks and Spencers
Woven design Rectangular shape Removable lining W60 x D31 x H60cm, Manufacturer: Marks & Spencer

Official ECB Pure Cotton Hooded Top, at Marks & Spencers
A must for cricket fans! This official top features a contrasting zip and hood lining and the England Cricket logo. An easycare style in soft comfortable cotton

North Coast Pure Cotton Check Shirt, at Marks & Spencers
Stylishly smart casual, this dobby check shirt is made from pure cotton so it feels soft and comfortable to wear

Cotton Rich Zip Fastening Chunky Stripe Cardigan, at Marks & Spencer
Contemporary and casual, this stripe zip up cardigan is made from a soft cotton rich fabric. Stylish, practical and fashionable

Autograph Weekend Full Length Leggings, at M+S
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

100% Extra Stems on Summer Dawn Bouquet, at M+S
This item can only be ordered with the purchase of the Summer Dawn Bouquet (00669221)

Autograph Pure Marble Toilet Brush Holder, at Marks&Spencer
Square design Chrome handle Dimensions: H34cm x W9cm x L9cm, Manufacturer: Marks & Spencer

In Bloom Rose & Amber Fragranced Candle, at M+S
Rose and amber fragrance Burns upto 20 hours, Manufacturer: Marks & Spencer

Maxim Cup & Saucer, at Marks & Spencers
A simple yet stylish cup and saucer Versatile fine dining range Pure white porcelain Suitable for everyday use Cup height: 6cm Saucer diameter: 16cm, Manufacturer: Marks & Spencer

Medium Lines Flared Vase, at Marks and Spenser
Squiggle detail Flared Handmade W15.2 x D15.2 x H43cm, Manufacturer: Marks & Spencer

Besides MarksandSpencer Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer 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 & Spencer 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 & Spencer 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.