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 & Spencer are so useful. M&S Financial Services 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, 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 Financial Services 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks and 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 M&S Financial Services. Offering everything from savings accounts and credit cards, to Property 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 M&S Financial Services. 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 M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."

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

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

Per Una Outline Leaf Bikini Briefs, at Marks & Spencer
Glamorous and sophisticated, these gorgeous briefs are fashionably detailed with a floral design. A sleek, shapely look

Autograph Loretto Left-Hand Chaise, at M & S
All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad made from 100% polyester H62 x W200 x D97.5cm Seat H30.5cm Suitable for indoor or outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

First Readers The Ugly Duckling Book, at Marks and Spencer
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Naomi Sunglasses, at Marks&Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Autograph Cotton Rich Long Sleeve Car T-Shirt, at Marks & 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

Autograph Essentials Pure Cotton Short Sleeve Shirt, at Marks and Spencers
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

North Coast Cotton Blend Funnel Neck Stitch Detail Jacket, at Marks & Spenser
A contemporary design and stitch detail makes this jacket a fashionable choice

3 Hair Remover Mitts, at Marks & Spencer
Pack of 3 Superfine surface exfoliates your skin while gently smoothing away Used regularly hair re-growth appears slower and less noticeable

Roll Top Boy Shorts, at Marks and Spencers
Elegant and feminine, these flattering shorts are designed in the latest shape. A stylish, shapely look

Hibiscus Print Tankini, at Marks & Spencers
Great for splashing around in, this comfortable tankini features hibiscus print

Ceramic Bread Bin, at Marks & Spenser
Wooden lid Raised lettering Oval shape Dimensions: H16x W18.5x L33.5cm, Manufacturer: Marks & Spencer

2 Older Girls' Sport Santoni Bras, at Mark's & Spencer
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit

1 Pair of 10 Denier Ladder Resistant Sheer Stockings, at Marks and Spencer
An M&S exclusive. Extra stretch is added to every stitch of these sheer shine stockings to stop ladders from forming

Pure Silk Floral Print Lightweight Scarf, at Marks and Spenser
Add a luxurious finishing touch to your look with this elegant pure silk floral print scarf. The perfect accessory to this season's styles

La Croix d'Austéran Bordeaux 2008 - Case of 12, at Marks & Spencers
Style: Medium bodied Country of origin: France Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cotton Rich Scallop Trim Low Rise Shorts, at Marks and Spencers
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Footglove™ Widefit Round Toe Pumps, at Marks & Spencers
Round toe Stitch detail Slip-on Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Dressing up Butterfly Age 3 Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. Approx size: 150 x 150mm

Royal Jelly & Pure Honey Moisture Rich Cream Bath, at Marks & Spencers
Moisture rich Natural skin nutrition Vitamin enriched 400ml

Large Square Face Watch, at Mark's & Spencer
Large square face Buckle fastening Analogue

Pure Cotton Sleeveless Embroidered Dress, at Marks & Spencers
Pretty and feminine, this sleeveless dress features an embroidered neckline and frilled hem. A flattering, stylish look

Portfolio Waterfall Jersey Cardigan, at Mark's & Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Cartoon Dog Thank You Teacher Card, at Marks and Spencer
Cover text: Thank you teacher! Inside message: You're a star! Approx size: 178 x 1262mm

Autograph Pure Cotton 3 Piece Tank Top Outfit, at Marks & 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

Pure Cotton Embroidered Lace Detail Top, at MarksandSpencer
This 3/4 sleeve top will make a useful addition to your wardrobe. It features pretty embroidered lace detail for a stylish casual look

Princess Party Invitations - Pack of 10, at M & S
Cover text: It's my Party! Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 12 x 12cm

Leaf Guipure Moulded T-Shirt Bra, at Marks and Spencers
Smooth and versatile, this comfortable t-shirt bra is designed for a no-show look under your clothes

Metallic Glaze Soap Dispenser, at Mark & Spencers
Metallic glaze design Pump action, Manufacturer: Marks & Spencer

Blue Harbour Ultimate Linen Stripe Shirt, at Marks and Spencer
Relaxed and stylish, this short sleeve stripe shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Elephant & Cat Multipack of 8 Cards, at Marks & Spenser
Cover Text: All designs - blank Inside Message: All designs - blank for your own message Pack Contains: 8 cards, 3 designs Approx. Size (folded): 95 x 80 mm Approx. Size (unfolded): 200 x 80 mm

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