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 MarksandSpencer are so useful. M&S Finance 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, 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 Finance 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

Marks and 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 Finance 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 M&S Finance loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Finance 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 Finance 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 Marks & Spencer insurance products in document format too.

Large Tortoiseshell Reading Sunglasses, at Marks and Spencers
Featuring tinted lenses and a classic tortoiseshell design, these sunglasses have optical quality magnifying lenses to make close work and reading even easier

Long Sleeve Open Front Longline Cardigan, at Marks and Spencer
Smart and stylish, this cardigan features an open front. A contemporary look that will take you through the season in style

Limited Collection Multi Stripe Vest & Shorts Set, at Marks & Spencers
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

DD-G Ditsy Embroidered Underwired Bra, at Marks and Spencer
Soft and comfortable, this bra is specially designed for fuller busts. It's underwired and structured to give great support and a flattering enhanced shape

Chandelier Gift Card, at Marks and Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Per Una Cotton Rich Hooded Dressing Gown, at M & S
Modern and feminine, this pretty hooded dressing gown is made from soft cotton rich fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Château Gressina 2007 - Case of 12, at Marks & Spensers
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

Metallic Bloom Wallpaper, at Mark's & Spencer
Printed wallpaper Offset pattern repeat 64cm - The design elements in the pattern run diagonally across the wall, so only alternating rolls should be the same at the ceiling. Every second roll will have to be dropped by half the repeat length for the pattern to match accurately. (Also known as half-drop match) Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Printed wallpaper is not washable - sponge cleaning only Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Pure Cotton 3/4 Sleeve Ditsy Print Top with Necklace, at Marks & Spenser
The cute necklace makes this pretty ditsy print dress even more fab and fashionable.

Perfect Modal Blend Open Front Cardigan, at Marks and Spencer
Casual and contemporary, this fashionable open front cardigan is made from supersoft fabric that looks and feels great. Modern styling details give a contemporary edge

Layered Heart Wedding Card, at Marks & Spenser
Cover text: With love on your wedding day Inside message: Blank for your own message Approx size: 230 x 114mm

Per Una Pure Cotton Appliqué Heart Minishirt, at Marks and Spenser
Modern and feminine, this stylish minishirt features an appliqu heart design. It's made from soft breathable cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Leather Fan Purse, at Marks n Spencer
Flash your cash in style! Fashionable and functional, this leather fan purse features a stylish flat zip pull

M&S 7'' Portable DVD Player, at Mark's & Spencer
DVD, CD all in one 7 inch screen Remote control and earbuds Includes mount to put DVD on car headrest Runs on 6 x AA batteries (not included) 2 hours battery life Flash memory card reader H15 x W20 x D2.5cm Mains supply and car cigarette lighter cable 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 This product is not available for international delivery. Find out more

AUTO DELIVERY - MCS FEB INTRO WHT, at Marks and Spenser
This product is not available for international delivery. Find out more

Stainless Steel Sieve, at Marks n Spencer
Hook attachment for hanging Diam: 20cm, Manufacturer: Marks & Spencer

Fairtrade Organic Cotton Duvet Cover, at M+S
Plain Threadcount: 180 Single (3ft): L198 x W137cm Double (4ft 6in): L198 x W198cm King (5ft): L218 x W228cm Super-King (6ft): L220 x W260cm Easy care finish for easier ironing Available in duvet cover, fitted sheet, flat sheet and pillowcase Click here to view a video about Fairtrade Cotton , Manufacturer: Marks & Spencer

Dressing Up Age 4 Birthday Card, at M+S
Cover text: Happy Birthday 4 Inside message: Happy 4th birthday Hope your day is as special as you are! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127 mm

Linen Blend Circle Embroidered Skirt, at Marks and Spenser
Fashionable and contemporary, this linen blend skirt is designed to fit and flatter. A contemporary look that will take you through the season in style

Floral Print Padded Underwired Bra, at Marks & Spencer
Sleek and stylish, this bra is perfectly smooth so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Petite Pure Cotton Ruffle Front Stripe Shirt, at Marks and Spencers
Chic and modern, this stripe shirt is made from cool comfortable cotton and features a ruffle front. Specially designed and perfectly proportioned for the petite frame.

Hand Finished Tiny Fairies Mum Mother's Day Card, at Marks and Spencer
Cover text: Especially for you Mum For all the lovely things you do All the wise words that you say You deserve something really special For a lovely Mother's Day Inside message: I love you Mum xx Approx size: 178 x 126mm

Limited Collection Buckled Wellie Boots, at Marks & Spenser
Round toe Buckle fastening Knee high Low heel with cut out detail Heel height: 23mm Comes in sizes 3-8

Belgravia Stool, at Marks and Spencer
H39 x W53 x D32cm (all dimensions are approximate) Seat cushions made from Quallofil Extralife filling Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Solid birch feet with 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Holiday Rope Handle Shopping Bag, at Marks & Spencers
Fashionable and practical, this rope handle shopping bag is a useful accessory with bags of style

Roll Top Bootleg Joggers, at Marks and Spenser
Warm and cosy, these bootleg joggers are great for active workouts or stylish relaxation.

Farmyard Animals Puzzle, at Marks&Spencer
Suitable for ages 1-3 years 20 pieces Helps with hand-eye coordination and problem solving This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure Silk Carousel Tie, at M&S
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Is It Bedtime Wibbly Pig?, at Marks and Spenser
The perfect bedtime companion. Mick Inkpens' lovely children's book is about the adorable character 'Wibbly Pig' and his dislike for bedtime (something most children can relate to!) With charming illustrations and a simple storyline this book is sure to be a hit with your little toddler

Long Sleeve Bead Embellished Kaftan, at Marks and Spencers
Feminine and flirty, this kaftan is designed to fit and flatter. A fabulous fashionable look

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 Mark & Spensers 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 M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.