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 Spencers are so useful. Marks & Spencer 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 & 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.

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."

Marks & Spencer Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks & Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union – up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Firm Control Chevron Stripe High Waist Knickers, at Mark's & Spencer
These firm control knickers shape you where you need it most, flattening your tummy and nipping in your waist. The chevron stripe design gives a modern look

Sonoma 2-Door Glazed Top Unit with Lights, at Marks and Spencer
H110 x W123 x D33cm 2 doors 2 adjustable glass shelves Shelves are made from safety-tested toughened glass Made from solid oak and oak veneer Sits on top of sideboard This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen 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

Pure Cotton 3/4 Sleeve Stripe Top, at Marks&Spencer
For casual elegance, you can't beat this stripe crew neck top. A great value cotton essential

Pure Cotton Long Sleeve Hooded Jacket, at Marks & Spenser
Comfy and cosy, this hooded jacket feels soft and warm and is great value. A practical, easycare style

Royal Jelly & Pure Honey Moisture Rich Handwash, at Marks and Spencers
Handwash Moisturising 200ml

Autograph Retro Hipsters, at Marks & Spencers
Sitting slightly lower on the waist and providing a snug fit, these comfortable hipsters are a great way to stock up your day to day underwear drawer

Woodspice for Men Gift Set, at Marks & Spencers
Aftershave 100ml Talc 100g Soap on a rope 50g Woodspice scent

Bingley Bear with Fabric Flowers Grandma Birthday Card, at Marks and Spenser
Cover text: For you Grandma... Inside message: With love on your Birthday xx This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Embroidered Pinafore Outfit, at Mark's & Spencer
Fashionable and practical, this cute bodysuit, pinafore and tights 3-piece outfit features an embroidered design

Fragranced Pot Pourri Bag, at Mark & Spencers
Add a fresh aroma to any room in the home with the fruit fragrance of this wonderful pot pourri

12-Piece Ruby Dining Set - Red, at Marks and Spencers
12-piece set - 4 crockery place settings Includes 4 dinner plates, 4 side plates and 4 cereal bowls Dinner plates: 27.5cm Side plates: 21.5cm Bowls: 16cm Fine china Stripe design, Manufacturer: Marks & Spencer

Boy Shorts Tankini Bottoms, at Marks & Spencers
Modern and stylish, these boy shorts tankini bottoms are outstanding value. Style and quality at a great price

Watercolour Bouquet Wedding Card, at M & S
Cover text: On your Wedding Day Inside message: With best wishes for your happiness toady and always Approx size: 178 x 126mm

Girls' Limited Diamanté Button Cropped Cargo Trousers, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Floral Print Hooded Snowsuit, at Marks & Spensers
Perfect for outdoor adventures, this snug snowsuit features a furry hood. Soft lining will keep her warm and comfy

My First Colouring Book, at Marks and Spencer
With over 280 pages to colour, this book is never-ending fun! Little hands will love colouring the big pictures of cars, farm animals, toys and much more!

Autograph Pure Cotton Henley Neck Top, at Mark's & Spencer
Casual and contemporary, this short sleeve top is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Autograph Langford Chair, at Marks and Spencer
H97 x W71 x D84cm Seat H51cm (all dimensions are approximate) Seat cushion filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Back cushion is fixed foam Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

125 Years Limited Collection Vest & Shorts Set, at Mark's & Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Collezione Pure Wool Single Breasted 3 Button Grey Stripe Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Big & Tall Twin Pleat Crease Resistant Trousers, at Marks and Spencer
Crease resistant, machine washable and quick drying, these trousers make a smart and practical choice. Perfectly proportioned for big and tall men

Lace Trim Brazilian Knickers, at Marks and Spencers
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim briefs are designed to make the most of your figure

Platinum Plated Diamanté Sparkle Band Ring, at Mark's & Spencer
Add instant sparkling style with this gorgeous platinum plated band ring, set with dazzling diamant

Adored Comfort Pansy Lace Padded Balcony Bra, at Marks and Spenser
Soft and pretty, this padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. Underwiring and padding give an uplifted and enhanced natural shape. Feminine everyday lingerie

Sun Formula Airbrush Self Tan, at Marks & Spensers
Natural tanning with out the sun Even and natural looking tan Develops in 4 to 6 hours Lasts up to 7 days Pack contains: airbrush; professional tanning solution; airbrush propellant and instruction leaflet This product is not available for international delivery. Find out more

2 Younger Boys' Limited Pure Cotton Beanie Hats, at Marks and Spencer
Warm and comfy, these pure cotton hats are ideal for chilly days

Cuvée Cédric Mix - Case of 12, at Marks & Spencer
6 Cuve Cdric Chardonnay 2008: A generous and full-flavoured Chardonnay from the sunny south of France. Packed with juicy peach and pineapple fruit... 6 Cuve Cdric Cabernet Sauvignon 2008: Deeply coloured and spicy, this red blend is supple, ripe and lingering. A true reflection of Cabernet Sauvignon from the Languedoc... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Country Bunch Family Home Card, at Marks & Spenser
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Hanging Bag & Cosmetic Purse Set, at Marks & Spencer
2 piece set Hanging bag with multi compartments Cosmetic purse with zip fastening Plain

Autograph Filled - 3-4 TOG SILK DUVE, at Marks & Spencer
Manufacturer: Marks & Spencer

Mark & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but Marks and Spencer 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 M+S 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, 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 Mark's & Spencer insurance products in document format too.