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 n Spencer are so useful. M&S Money financial products are, of course, designed to make Marks n 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 Money 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 Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

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 n Spencer 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 and Spencer, through its M&S Money 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.

3/4 Sleeve Boyfriend Cardigan, at Mark's & Spencer
Fashionable and contemporary, this boyfriend cardigan is a comfortable style essential. Pintuck front pockets gives a fashionable touch.

Everyday Underwired Padded Lace Bra, at Marks and Spencer
Soft and comfortable, this padded bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Black Dress on Pink Floral Birthday Card, at Marks and Spencer
Cover text: Happy birthday Inside message: Blank for your own message Approx size: 230 x 114mm

Pink Holographic Butterfly Garden Birthday Card, at Marks and Spenser
Cover Text: Birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Per Una Petal Shoulder Bag, at Marks and Spencer
A floral detail makes this fashionable bag even more special. Give your look the Per Una twist!

Footglove™ Leather Lace Up Trouser Shoes, at Marks n Spencer
Round toe Lace up Stitch detail Mid heel Heel height: 64mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Organic Cotton Erin Eco Shopper, at Marks & Spencers
Shop greener by using this organic cotton shopper instead of plastic carriers. The portrait of model Erin O'Connor was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Per Una Linen Blend Connie Jacket, at Mark's & Spencer
A fashionable linen blend jacket featuring an asymmetric hem and notch lapel

2 Big & Tall Autograph Mini Rib Hipsters, at Marks and Spencer
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Autograph Pure Cashmere Knitted Scarf, at MarksandSpencer
Indulge in a touch of luxury with this pure cashmere knitted scarf. It looks and feels gorgeous and comes in a range of beautiful colours so you'll be able to accessorise every outfit

Per Una Sailor Collar Cardigan with Angora, at Marks&Spencer
A stylish knitted cardigan in a lambs wool rich knit featuring sailor collar and ribbed trim

Peter Rabbit Multipack of Cards, at Marks & Spencer
Cover text: Both designs: Easter greetings Inside message: Both designs: blank for your own message Pack contains: 4 cards, 2 designs Approx size: 70 x 145mm BEATRIX POTTER™ Frederick Warne & Co. 2009 Frederick Warne & Co. is the owner of all copyrights and trademarks in the Beatrix Potter characters names and illustrations. Licensed by opyrights group

2 Pure Cotton Long Sleeve Tree T-Shirts, at Marks and Spencers
Fun and practical, these cute t-shirts feature embroidered motifs. They are made from soft cotton to keep him comfy

Duvet Vacuum Storage Bag, at Marks n Spencer
Fits all duvet sizes Reduces the space needed for storage by up to 60% Works with a conventional vacuum cleaner Keeps your duvet clean Suitable for storing clothes, Manufacturer: Marks & Spencer

Ceriso Floral Print Padded Balcony Bra, at Mark & Spensers
Fun and fabulous, this padded bra is part of our Limited Collection lingerie. The balcony shape gives maximum uplift for a flattering look. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Blue Harbour Pure Cotton Postage Print T-Shirt, at Marks & Spensers
Fashionable and relaxed, this postage print t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Pure Silk Cravat & Handkerchief Set, at Marks and Spenser
Add a traditionally stylish finishing touch with this pure silk cravat. Ideal for weddings and elegant occasions

3 Pure Cotton Sleeveless Vests, at Marks & Spenser
These essential vests offer all the comfort of soft cotton at a great value price

Spot Print Bow Dress, at Marks and Spencers
Fashionable and practical, this cute dress features spot print. It's made from soft fabric to keep her comfortable and happy

24 Mini Cured Pork Pies, at Marks & Spencers
Contains 24 pieces Serves 12 Ready to eat Suitable for freezing 4 x 300g As featured on page 16 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

Autograph Floral Print Skater Skirt, at Mark & Spensers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

40 Denier Sheer Opaque Tights, at Marks & Spencers
These comfortable 40 denier opaque tights are made with added stretch and a reinforced toe for durability

Utensils & Gadgets - AUTOGRAPH MASHER, at Marks and Spenser
Manufacturer: Marks & Spencer

Schoolwear Plus Fit 3 Easycare Long Sleeve Shirts, at M & S
This 3 pack of larger sized easycare long sleeve shirts is outstanding value! A school essential View Plus Schoolwear Size Guide. Find out more

Floral Hanging Cosmetics Organiser, at Marks and Spencer
Single handle Floral design 3 compartments Matching mirror Hanging hook Lined

Little Adventurer Splash Bats, at Mark's & Spencer
Suitable for ages 3-6 years Game for two players 2 splash bats and a ball This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Woodhaven Shiraz 2007 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Shiraz Country of origin: USA Closure: Synthetic closure Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml:1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sparkle Jacquard Tassel Scarf, at Marks and Spenser
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The sparkle detail adds a stylish finishing touch

Earth Spa Purifying Bath Tonic, at Marks and Spenser
With mineral enriched sea algae to cleanse and purify and aloe vera to nourish and moisturise Scented 250ml

Autograph Short Sleeve Crew Neck Vest, at Marks and Spencers
Ideal for layering, lounging or sleeping in, these comfortable, easy to care for vests are an essential part of any modern man's wardrobe

M & S may not necessarily be the first name that springs to mind when you're thinking about renewing your Property 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 M&S Money website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Money 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 Money 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 and Spencers insurance products in document format too.