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 Spencer are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks and Spencers 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.

Marks and Spenser 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&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 Direct 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 Marks & Spencer insurance products in document format too.

When you're shopping at Marks & 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 Car Insurance, there's a lot more going on at Marks & Spencer 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."

Enamel Butterfly Jewellery Holder, at Mark's & Spencer
Enamel butterfly design Multiple hooks

Sunny Town People Set, at Mark's & Spencer
4 sunny town people and dog Promotes imaginative play Suitable for ages 12+ months This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Large Wiltshire Ham & Asparagus Quiche, at Marks & Spenser
Serves 12 Ready to eat 1.5kg As featured on page 20 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

Corby 3300 Trouser Press, at Marks & Spensers
No need to dampen trousers before pressing. The inherent humidity content of natural and mixed fibres assists the pressing process Can be used free-standing or wall-mounted using simple fixings supplied in each carton Features a jacket hanger 30 minute setting Automatic cut-off Manual cancel option Coin Tray 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

Per Una Cotton Blend Waterfall Collar Jacket, at Marks and Spencers
A fashionable single breasted jacket in soft cotton blend fabric. Waterfall collar gives it the Per Una touch

First Readers The Enormous Turnip Sticker Activity Book, at Marks & Spencers
Help your child learn to read with this Read and Learn sticker activity book. It's specially designed to help develop your child's early learning skills and includes interactive sticker versions of the story, as well as over 20 pages of extension activities to reinforce your child's learning and further develop their skills

Artificial Hydrangea in Ribbed Glass Vase, at Marks & Spencers
Artificial Hydrangea Ribbed glass vase Height: 52.5cm, Manufacturer: Marks & Spencer

Slimline Plain Umbrella, at M&S
Lightweight and easy to carry, this slimline umbrella is perfect for keeping at hand for effective protection from sudden downpours

Easycare Stripe Short Sleeve Shirt, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Bob The Builder: Sing-Along Song Book, at Marks and Spencers
Children will love pressing the button and singing along to Bob The Builder with this illustrated song book

Autograph Knee Length Ombre Print Belted Skirt, at Marks & Spencers
Comes with belt shownSmart and modern, this pleated skirt is a stylish, versatile choice. A fabulous fashionable look

Autograph Multi Bead Drop Earrings, at M & S
Hook fastening Drop style Multi bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Skintex® Anti-Cellulite Thigh Slimmer Spray, at Marks & Spenser
50ml Light control For use on tummy, hips and thighs

Leather iPod Nano Video Case, at M+S
Keep your iPod safe, secure, and stylish with this leather case. Compatible with all nano video models, the case is made of genuine premium leather, which looks and feels great

2 Limited Collection Spot Print Padded Plunge Bra, at Marks and Spencer
Fun and fabulous, this cotton blend bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

3/4 Sleeve Mono Mosaic Print Tunic, at Marks and Spencer
This fashionable longer length top features a mono mosaic print design. A great way to get a fab modern look

3 Cotton Rich V-Neck Vests, at Marks and Spencer
Very cosy thanks to short sleeves and a small V-neck, these vests will help you to layer your outfit for warmth. Pure cotton feels very soft too

Alnwick Floor & Table Lamp Set, at Marks & Spencer
Pack of 2 Square base Brushed chrome finish Double stem design Floor lamp: H143.5 x W34 x D20cm Floor lamp: Bulb: 100W ES GLS Table lamp: H60.5 x W28 x D18cm Table lamp: Bulb: 60W ES GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Hooded Reversible Top, at Marks and Spencer
She'll have two looks in one with this practical reversible hooded top. It's warmly padded and made from soft comfortable fleece and cotton

°Climate Control Long Sleeve High Zip Neck Thermal Top, at Marks and Spenser
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Ceriso Lace Trim Animal Print Padded Bra, at Mark's & Spencer
Sassy and glamorous, this modern bra is beautifully detailed with an animal print and lace trim. Soft padding and underwiring give great support and a flattering enhanced flattering shape. Designed for women who want the latest look

Cotton Blend Long Sleeve Boyfriend Cardigan, at Marks & Spencer
Soft and comfy, this long sleeve boyfriend cardigan is made from cotton blend and features a front tie waist. A fashionable easycare style

The Sword In The Stone/Robin Hood Special Edition DVD Set, at Marks & Spenser
Rating Universal, suitable for all,

Design Mats - DAMASK, at MarksandSpencer
Manufacturer: Marks & Spencer

Autograph Illusions Dark Circle Concealer, at Marks & Spensers
Formulated with Haloxyl™ to help reduce the appearance of dark circles and puffiness This concealer also helps reduce the appearance of fine lines Hypo-allergenic Available in 3 shades

Cake Stand Mum Birthday Card, at Mark's & Spencer
Cover text: For you Mum Inside message: Happy birthday Approx size: 178 x 126mm

Heritage Collection - Table Lamp, at Mark's & Spencer
Pleated shade design Glass ball stem Brass finish Round base This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Floral Embroidered Denim Shorts, at Marks & Spencers
The floral embroidered motif gives a pretty twist to these fashionable denim shorts

Scoop Neck Vest Top, at Marks and Spencer
This sleeveless top will make a useful addition to your wardrobe. It features a smart scoop neck for a stylish casual look

Classic Collection Pull On Straight Leg Trousers, at Marks and Spencer
Stylish and versatile, these straight leg trousers are smartly finished with a stitched crease and decorative fob. Dress them up or down with smart or casual tops in coordinating colours. Discreet elastication gives a perfect, comfortable fit

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 Mark & Spensers 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, Sainsburys, or Tescos:

• 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.