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 Mark & Spensers 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.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser 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 Motor 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 & Spensers, 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.

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spenser Standard Motor Insurance. With M+S Money you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spensers, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from M&S Money, you get more, and you pay less.

Zamora Zinfandel 2007 - Case of 12, at Marks and Spencers
Style: Full bodied Grape variety: Zinfandel Country of origin: USA Closure: Natural cork Suitable for vegetarians 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

Younger Boys' Cars Team McQueen Dressing Gown, at Marks & Spencers
A must for fans of Disney's Cars, this fluffy dressing gown features fun motifs of the popular character Lightning McQueen

2 Mosaic Seat Pads, at Marks & Spensers
Set of 2 Seat pads for Mosaic stackable chairs Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cowl Neck Jumper & Stripe Top Set, at Marks and Spencers
Modern and stylish, this 2 part set gives a contemporary look that will take you through the season in style

Pure Cotton Short Sleeve Floral Check Shirt, at Marks&Spencer
Fashionable and versatile, this cotton short sleeve shirt is ideal for smart casual dressing and looks great layered over a t-shirt

Panasonic DMR - EX769 160GB HDD DVD Recorder with Digital Tuner, at Marks and Spencer
160GB capacity for a max recording of 200 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner VIERA link 1080p Up-Conversion and adaptive HD Enhancer Auto Preset Down Load Connect a DIGA DVD recorder to your VIERA TV via an HDMI cable Intelligent Auto Standby USB & SD Card slots Dimensions: W43 x H5.9 x D28.6cm

2" Longer Autograph Pure Cotton Plain Poplin Shirt, at Marks & Spensers
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

PlayStation®3 Sonic the Hedgehog Game, at Marks & Spenser
3 playable characters Run through stages with Sonic's trademark speed 10 action packed stages Customise and personalise your abilities Multiplayer modes Suitable for 12 years and over 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Multi-Stripe Ceramic Vase, at Marks and Spencer
Fluted spout Multi-stripe design Broad base, Manufacturer: Marks & Spencer

Handcrafted Religious Laser Cut Cross Easter Card, at Mark's & Spencer
Cover text: An Easter prayer for peace and hope, especially for you - may all the joy that springtime brings, last for the whole year through Inside message: blank for your own message Approx size: 230 x 114mm

Cotton Rich Straight Leg Jeans, at Marks & Spencer
Simple and stylish, straight leg jeans are a modern classic. This pair sits on the waist and are cut to give a sleek flattering shape that's always in style. Added stretch gives the perfect fit

Large Chunky Speckle Bangle, at Marks and Spencer
Chunky design Speckle feature

Autograph Satin Stitch Pillowcase, at Marks&Spencer
500 thread count Border stripe Stitch detail Pure Cotton, Manufacturer: Marks & Spencer

Linen Pasta Bowl - Sage, at Marks & Spencers
Leaf design Diam 23.5cm, Manufacturer: Marks & Spencer

Per Una Embroidered Balcony Bra, at Mark & Spensers
Elegant and feminine, this bra is beautifully embellished with pretty embroidery. The padded balcony style gives maximum uplift and a fuller shape

Autograph Malva Chair, at Marks n Spencer
H75 x W75 x D90cm Seat H42cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions 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 Swivel metal base instead of feet 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 All of our fabrics are treated with Stain-Defence& trade; - 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

Mirror Blocks Photo Frame 7.5 x 7.5cm (3 x 3"), at Marks and Spencer
Square shape Mirror blocks design Aperture: 7.5 x 7.5cm (3 x 3"), Manufacturer: Marks & Spencer

AA 1001 Great Family Days Out, at Marks and Spencer
Wherever you are, you'll never be far from an enjoyable day out with this colourful guide to the best of Britain's heritage and attractions. The guide features suggestions for great days out and weekends away all year round. There are 1001 places of interest to choose from stately homes, castles and country potteries, to theme parks and zoos. You can find helpful advice from refreshments to disabled access, parking and access for dogs as well as email and web addresses for ease of booking. Each entry is organised by region and then alphabetically by county

Double Breasted Mid Length Mac, at Mark's & Spencer
Practical and fashionable, this water resistant mac features a double breasted design. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

Maternity Open Front Jersey Cardigan, at MarksandSpencer
Smart and stylish, this jersey cardigan is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. A fashionable, functional choice

Classic Collection Linen Look Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Autograph Stainless Steel Cocktail Shaker, at Mark's & Spencer
Metallic sheen Suitable for cocktails H30cm 10 cm deep, Manufacturer: Marks & Spencer

Panasonic SC-PT470 DVD Home Theatre with iPod Dock, at Marks n Spencer
1080p Up-Conversion with HDMI Number of Output Channels: 5 + Subwoofer (5.1) Output Power : 1000W (RMS) Styling to match Panasonic Viera Flat Panel Televisions and Easy to Use VIERA Link Theatre Integrated Universal Dock for iPod Enjoy Your iPod Music & Video Built-in Dolby Digital, Dolby Pro-Logic II and DTS Decoders USB Terminal for MP3, WMA, JPEG and MPEG4 Playback Front speaker dimensions: W9.2 x H12.8 x D8.1cm Centre speaker dimensions: W12.5 x H9.4 x D8.1cm Surround speaker dimensions: W9.2 x H12.8 x D8.1cm Subwoofer speaker dimensions: W15.3 x H41.5 x D25.7 cm

Adored Floral Embroidered Non Padded DD-G Bra, at Marks&Spencer
Delicate and stylish, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Classic Collection Short Sleeve Nightdress, at Marks & Spencers
Fresh and feminine, this nightdress is made from a soft cotton blend so it feels comfortable to sleep in. The bow detail adds a pretty touch

Autograph Mug, at Marks and Spenser
Autograph collection Plain Height: 10cm, Manufacturer: Marks & Spencer

Perfect Autograph Essentials Sheer Lace High Leg Knickers, at Marks and Spencer
Glamorous and sophisticated, these gorgeous briefs are made from the softest lace which looks and feels luxurious. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Pure Cotton Reversible Hooded Jacket, at Marks and Spencers
He'll have two looks in one with this practical reversible hooded jacket. It's made from soft comfortable cotton

Pure Cotton Contrast Stitch Jeans, at Marks & Spensers
Fun and fashionable, these easycare pure cotton jeans are outstanding value

Flower Branch Thank You Card, at Mark's & Spencer
Cover text: Thank you Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

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 M&S 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 MarksandSpencer, 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 Motor 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.