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 & Spenser are so useful. M&S Money financial products are, of course, designed to make Marks & Spenser 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.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the M+S online store. Here are just some of the financial products which can be purchased via the M&S Money website:

• M&S Insurance: M&S Car Insurance, M&S Property 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 & Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money website.

Besides Marks and Spencers Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Property 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 M&S 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 and Spencers purchases are also protected while you take them home.

Also, on both M&S Money Premier Property Insurance and Standard Property 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.

Petite Single Breasted 1 Button Jacket, at Marks and Spencer
Chic and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

Cotton Blend Drawstring Joggers, at Marks and Spencers
Relaxed and comfortable, these easycare joggers are made from cotton blend stretch fabric for ease of movement and great shape retention

Nostalgic Photo Nana Birthday Card, at Marks and Spencer
Cover text: To a wonderful nana Inside message: Happy Birthday Approx size: 175 x 125mm

Lady Shaver with Pink Carry Case, at Marks and Spencers
Pink drawstring carry case Miniature razor cleaning comb 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

Lotus Flower Pot Pourri Bag, at Marks & Spencer
Floral scented assortment, Manufacturer: Marks & Spencer

Autograph Silk Rich Pleated Shorts, at Marks & Spensers
Elegant and feminine these flattering shorts are made from a luxurious silk rich fabric. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Bright Prints A4 Notebook, at Marks & Spencers
Contains: 1 A4 notebook Check design Approx size: 216 x 295mm (including spiral binding)

5 Cool & Fresh Cotton Rich Assorted Briefs, at M & S
Made from soft breathable stretch cotton, these comfy briefs are ideal for everyday wear

Samsung 37'' LE37A686 HD Ready LCD TV, at Marks and Spencer
HD Ready 1080p: HD 1080p compatible to display High Definition signals in breathtaking quality, i.e. Playstation 3, Blu-ray, etc. HDMI (High-Definition Multimedia Interface) delivers crystal-clear, digital audio and video signals using a single cable. 1080p is the maximum resolution defined for HDTV use Display: 37 inch LCD screen, 1920 x 1080 resolution Contrast: Dynamic contrast 50000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: 988 x 83 x 610mm (without stand), 988 x 240 x 670mm (with stand) Weight: 19 kg with stand SRS TruSurround XT: For enhanced surround sound effect AV inputs: 4 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x composite, 1 x optical, 1 x USB, 1 x VGA, 1 x headphones and 1 x PC input 2 x S-Video(all inputs at back of TV) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer life like colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Ultra Clear Panel: Retains the same high performance in any light conditions 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Fuji FinePix F200EXR Digital Camera, at Marks and Spencer
Pixels: Super CCD EXR 12 Megapixel switchable sensor Zoom: 5x optical zoom, 4.4x digital zoom Screen: 3" TFT color LCD monitor ISO: Auto / Auto(3200) / Auto(1600) / Auto(800) / Auto(400) / Equivalent to ISO 100 / 200 / 400 / 800 / 1600 / 3200 / 6400 / 12800 (Standard Output Sensitivity) * Number of recorded pixels: ISO6400: "M" or "S", ISO12800: "S"only Dimensions: W97.7 x H58.9 x D23.4mm / W3.8 x H2.3 x D0.9" (excluding accessories and attachments) Weight: Approx. 175g (excluding accessories, batteries and memory card) Face Detection: Face Detection technology with automatic red-eye removal Movie recording: AVI (Motion JPEG ) with sound Self-timer: Approx. 10 sec./2 sec. delay Power source: Rechargeable NP-50 Li-ion battery (included) / CP-50 with AC power adapter AC-5VX (sold separately)

Signature Natural Cotton Infusion Sticks, at Marks & Spenser
Scented infusion sticks Fragrance lasts upto 8 weeks Glass holder included, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Palm Leaf Print Top, at Marks & Spencer
This short sleeve top will make a useful addition to your wardrobe. It features a pretty palm leaf print for a stylish casual look

Limited Collection Panel Clutch Bag, at Marks n Spencer
Fashionable and fabulous, this panel clutch handbag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Tefal 2200W Express Steam Generator Iron, at Marks and Spencer
2200W 120g/min variable steam Anti scale collector Easy cord system Safety lock Vertical steam 2 minute heat up time Ultraglide ceramic soleplate 1.4-litre water tank Water level indicator 5 bar pressure Rinse boiler indicator Weight 5.4 kg 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 , Manufacturer: Marks & Spencer

Autograph Lace Trim Underwired Slip, at M & S
Designed to enhance the look of your dresses, this cling resistant slip gives a smooth silhouette. It incorporates a back-fastening bra which gives all the support and uplift of a regular bra. Beautiful exclusive lingerie

Short Sleeve Keyhole Top, at Marks & Spenser
A chic and stylish essential, this scoop neck top features a colourful keyhole design. It works for day and evening, dressed up or down

3 Piece Floral Design Cardigan Outfit, at Marks & Spencer
Practical and pretty, this cute long sleeve top, cardigan and bottoms 3-piece outfit is made from soft fabric to keep her feeling comfy and happy

Leather Multi Colour Loop Belt, at Marks & Spencers
This leather notched belt is ideal for wearing with casual styles

Pure Cotton Textured Twill Baseball Cap, at Marks and Spenser
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

Formula Revivial Cosmetox Eye Lift, at Marks and Spencer
Proven results after 4 weeks Collagen-boosting actives to improve your skin's structure Hyaluronic acid filling spheres to plump your skin Matrixyl™ , a natural peptide to rejuvenate skin and leave facial wrinkles diminished Argireline™, a protein that discourages muscle contraction to prevent formation of wrinkles Hypoallergenic 10ml

Autograph Monroe Bedstead with TV Option, at Marks & Spencer
Headboard H102cm, endboard H96cm, underbed H13cm Double: W144 x L246cm King: W159 x L256cm Super king: W189 x L256cm Upholstered with real leather Mattress sold separately Designed for use with M&S 26'' and 32'' TVs and Sony Bravia 32'' 3000S & 3000D. Maximum TV depth: 115mm. Other makes and models may not attach to the rise/fall mechanism TV and DVD player sold separately Scart leads sold separately (5m lead recommended) TV requires a 3-plug extension lead to connect to fixed plug socket. Extension lead sold separately. (5m lead recommended) TV requires an aerial cable to connect to the aerial socket in the room. Aerial lead sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size This product is not available for international delivery. Find out more Access to scart sockets is hindered by the rise/fall mechanism of this bed. M&S recommends that customers have 2 scart leads available for installation by the delivery team in case a DVD player or cable TV box is desired at a later date Customers should consider the position of TV aerial connections and power source in the room, Manufacturer: Marks & Spencer

3 Fold Die Cut Presents Card, at Marks & Spencer
Cover Text: Happy Birthday Message: Have a Great Day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 152 x 215mm

Autograph Pure Silk Sprig Tie, at Mark's & Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Extra High Impact Non-Wired Sports Bra, at Marks and Spencer
As worn by GB Olympic pentathletes. Comfortable and secure, this maximum impact sports bra gives firm, gentle support for active wear. Its breathable fabric includes engineered sections to eliminate bounce while the racer back shape allows for maximum movement and padded non-slip straps ensure it's a comfortable fit

Autograph Light Control Lace Zip-Up Waspie, at M & S
A great shape for those who want the appearance of an enviable hourglass figure, this waspie waist cincher shapes your waist and tummy. Perfect for giving a feminine and controlled shape under dresses. Beautiful exclusive lingerie

Sony PlayStation®2 LEGO® Indiana Jones™ The Original Adventures Game, at Mark's & Spencer
Be Indiana Jones: Re-live his epic adventures in a humorous LEGO world based on the original trilogy of movies Explore and discover: Journey from the jungles of South America to the snowy mountaintops of India, all in search of ancient and powerful artefacts that you will use to solve puzzles Whip it! Use Indy's signature weapon to capture and disarm enemies, swing across gaps, activate levers, and interact with a world of LEGO objects and puzzles Pick your character: Choose from over 60 playable characters, each with a variety of unique abilities that you will use to help solve puzzles and battle enemies. Plus, play the villains and supporting characters 2007 Sony Computer Entertainment Europe You must be 12 years of age or over to purchase this product 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, ESRB Rating: Teen

Official British & Irish Lions Tie - Pure Silk Woven Multi Stripe Tie, at Marks & Spenser
M&S is the official formalwear supplier to the British & Irish Lions for the squad's summer 2009 tour of South Africa. Share our pride and show your support with this luxurious pure silk, multi stripe tie British & Irish Lions official formalwear supplier - We're proud to be an official supplier to the British and Irish Lions Tour 2009. Click here to see the squad in action with M&S

Older Boys' Double Buckle Open Toe Sandal, at Mark's & Spencer
Slip on Double buckle fastening Flat sole Camaflage sole detail

Pure Silk Woven Multi Stripe Tie, at Marks & Spensers
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Autograph Pure Cotton Floral Print Top, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

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.