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

Grandson's Favourite Things Birthday Card, at Marks & Spensers
Cover text: Happy Birthday Grandson Inside 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: 175 x 126mm

Adored Comfort E-G Embroidered Orchid Bra, at Marks and Spenser
Elegant and pretty, 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

Marble Collection Soap Dispenser, at Marks&Spencer
Pump action Marble design, Manufacturer: Marks & Spencer

Wedding Icons Card, at Marks and Spencers
Cover text: On your wedding day Inside message: Blank for your own message Approx. size: 230 x 114mm

Easy Pasta, at Marks & Spencer
Passionate about pasta? Enjoy a great collection of quick and easy-to-make recipes that can be ready in minutes

Pure Silk Handkerchief, at Marks and Spencer
Luxuriously soft handkerchief in pure silk

M&S Coffee Maker, at Marks and Spencer
Filter coffee maker - Americano, flat white 1.5 litre capacity 1000 watt Keep warm function Anti-drip feature Programmable digital timer Removable and washable filter Removable filter basket Water level gauge Dimensions: H36cm Automatic safety feature to switch off warm plate after over an hour 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

2 Machine Washable Mini Ties, at Marks and Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Cotton Rich Long Sleeve Stripe Sweatshirt, at Marks and Spencer
Warm and comfortable, this fashionable sweatshirt is made from soft cotton featuring a stripe design and a fun side motif. A practical easycare style

Abstract Print Bandeau Swimsuit, at Marks & Spenser
Feminine and delicate, this flattering swimsuit is designed in the latest shape. A stylish, shapely look

Per Una Cotton Rich Bootleg Jeans with Belt, at Marks and Spenser
A smart pair of bootleg jeans in stretch cotton featuring skinny waist belt

First Readers The Ugly Duckling Sticker Activity Book, at Marks and Spencer
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

3 Pairs of Ribbed Top Sports Socks, at Marks & Spencer
Designed to sit snug inside your trainers, these cotton rich socks provide the essential comfort and breathability your feet need for those high impact workouts

Recycled Cream Flower Cushion, at Marks & Spencer
Square shape Appliqu floral detail 3D flower design L43 x W43cm, Manufacturer: Marks & Spencer

Older Girls' Diamanté Tortoiseshell Sunglasses, at Marks and Spencers
Fun and fashionable, these diamant tortoiseshell sunglasses give 100% UV protection for safer style in the sun

Portfolio Short Sleeve Swirl Print Blouse with Camisole, at Marks and Spencer
Chic and contemporary, this cowl neck blouse gives a stylish modern look and features an integrated camisole

Autograph Pure Cotton Stripe Jumper with Hat, at Marks and Spenser
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

Straight Leg Crease Resistant Trousers, at Marks and Spencer
Stay smarter for longer with these innovative crease resistant trousers

2 Sheer & Opaque Minimiser Bras, at M&S
This gorgeous bra provides essential support for the fuller bust with a full cup and underwiring, while the minimiser design helps create a smoother, shapelier silhouette

2 Climate Control Crew Neck T-Shirts, at Marks & Spencers
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Autograph Cotton Rich Floral Print Dress & Legging Outfit, at Marks and Spencer
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

Harvard Body Spray, at Marks & Spencer
150 ml This product is not available for international delivery. Find out more

Navarra Side Table, at Marks and Spencer
H52 x W48 x D48cm Made from solid oak and oak veneer Finished with a low-sheen lacquer that provides added durability Legs made from solid wood Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Chrome Collection Toilet Roll Holder, at M & S
Wall mounted Classic design H8.5 x W16 x D6cm, Manufacturer: Marks & Spencer

Ella Fitzgerald - The Legend CD, at Marks&Spencer
Audio CD, Marks & Spencer

Riptape Trainers, at Marks & Spenser
Square toe Stitch detail Riptape fastening Flat sole

Dualit Dome Kettle - Black, at Marks and Spencers
1.7 litre capacity High quality 18:8 grade stainless steel body 3000 watt rapid boil concealed element Cordless operation with axis rotary base and cord tidy Water level viewing window Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Dimensions: H25cm Laser cut stainless steel water filter 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

Cashmilon™ Long Sleeve Cardigan, at Marks and Spencer
Fashionable and flattering, this long sleeve cardigan is made from supersoft cashmilon™ and features a button fastening

Pleated Corduroy Skirt with Tights, at M+S
Pretty cute and fashionable, this pleated skirt with tights is outstanding value!

3 Newborn Pure Cotton Assorted Sleepsuits, at Marks & Spensers
Soft and snuggly, this practical pack of sleepsuits is great value! The cotton fabric is comfy to sleep in and popper fastenings make quick changes easy

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 Marks & Spencer 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 Tesco's:

• 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.