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 M & S are so useful. M&S Finance financial products are, of course, designed to make MarksandSpencer 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 M&S Finance 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 M&S Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Home 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 Finance 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 M&S purchases are also protected while you take them home.

Also, on both M&S Finance Premier Home Insurance and Standard Home 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.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks and Spencers 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 Finance 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 M&S Finance loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (Home Insurance, Motor 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.

Sienna Sunglasses, at Mark's & Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Pink Christening Cake (25 Portions), at Marks and Spencers
25 portions Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Fruit cake is 20.5cm (diam) and weighs 3.12kg. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Sponge cake is 20.5cm (diam) and weighs 1.86kg. Can be eaten up to 5 days after collection Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 of the Food to Order brochure Order before 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Samsung SMX-F30SP Memory Card Camcorder, at Mark & Spensers
The 8th generation DSP chip from SAMSUNG: Experience the most naturally beautiful images with the 8th generation DSP chip from SAMSUNG. Advanced Colour Expression, Hyper Digital Image Stabiliser, Super LCD plus, and Face Detection Auto Focus combine to make your digital image dreams a reality. Longer battery life, extended recording time, and higher quality digital imaging are enabled by the SAMSUNG chip 3D noise reduction: The F30 transcend the boundaries of convention by introducing 3D noise reduction that dramatically eliminates noise while maintaining the original edge and pattern of the image Colour as vivid as your memories: Digital Natural Colour Processing creates an expanded palette of colours that are closer to those seen in nature Face detection AF technology: The F30/33/34's advanced Face Detection AF technology targets the faces in the screen. With intelligent face detection auto-focus, faces are always focused-on, even if they are not in the centre of the screen. SAMSUNGs Face Detection AF enables you to capture clearer, higher quality video More recording time, more memories to treasure: Enjoy recording more of the highest quality video footage with the SAMSUNG F30/33/34. Thanks to the high performing H.264 Codec, the F30 record more of your memories than camcorders which use MPEG2 Long battery life: With its long battery life, the Samsung F30 allow you to record, play, and have fun for as long as you like Full angle grip: The F30 multi-positional swivel hand grip offers full flexibility and freedom of movement for the full range of shooting positions. The innovative swivel grip allowing you to seamlessly move the camcorder between regular and low level positions, giving you complete control over how and what you shoot Share your memories, share your life: By selecting the Web and Mobile mode, you can shoot in an H.264 that supports MP3 players and YouTube. The video files recorded by the SAMSUNG F30 can easily be used with a transfer program and played on an H.264-supported MP3 player Optical zoom: 34x (42x Intelli-Zoom) Pixels: 112k Still image resolution: 800 x 600 Screen size: 2.7" widescreen colour LCD Compact and light: Take your camcorder anywhere. Weighing just 270g, SMX-F30SP won't ever slow you down Dimensions: 60 x 60.5 x 125mm 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

Ribbed Thermal Leggings, at Marks and Spencers
Soft, warm and cosy, these cotton blend thermal leggings are designed to give comfy insulation, perfect for chilly weather

Glass Globe Pendant Ceiling Light, at Mark & Spensers
Nickel plated steel Glass globe Diam25cm, Manufacturer: Marks & Spencer

Cotton Rich Low Rise Plain Shorts, at Marks and Spencers
Low rise shorts are perfect for wearing with hipster styles and these stylish cotton rich shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Autograph Weekend Pyjama Bottoms, at Marks n Spencer
Luxurious and sophisticated, these modern pyjama bottoms are part of our exclusive Autograph Weekend collection. Made from the softest fabrics for the ultimate in comfort, they're beautifully designed and finished

Rectangle Face Link Watch, at Marks and Spenser
Rectangle face Analogue Roman numerals Link strap

Cotton Rich V-Neck Cardigan, at Marks and Spencers
A practical choice for school, this soft cotton rich cardigan is easycare for convenience

Cotton Rich Below The Waist Skinny Jeans, at MarksandSpencer
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Non-Padded Lace Embellished Bra, at Marks and Spencer
Soft and comfortable, this lace embellished bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Younger Girls' Fleece Pull-On Boots, at Marks&Spencer
Round toe Contrast stitch detail Faux fur lined Flat sole Pull-on

Lightweight Animal Print Scarf, at Marks n Spencer
Add a fashionable finishing touch to your look with this elegant animal print scarf. The perfect accessory to this season's styles

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

Rochford Chair, at Marks and Spencers
H80 x W73 x D85cm Seat: H48cm (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 made from fixed foam 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 Solid birch feet with a dark finish 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 08457 624 624 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Craft-Look Dandelion Clocks Multipack of Cards, at M&S
Pack contains: 8 cards, 2 designs Cover text: All cards are blank Inside message: blank for your own message Approx size: 138 x 138mm

Collezione Pure Wool Single Pleat Stripe Trousers, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Now You See It Drawing Game, at Marks & Spencer
Suitable for ages 8+ Players: 2+ teams, 4+ players Pack contains: 30 memo draw cards, 30 quick draw cards, 30 pencil partner cards, drawing pad, 2 pencils, 2 eye masks, sand timer, instructions Approx. size: 58 x 88mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Ultimate Linen Short Sleeve Shirt, at Mark's & Spencer
Relaxed and stylish, this short sleeve plain shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear Only available in XXXL

Multipack of Assorted Stretch Hair Bands, at M & S
Fashionable girls need options, so this multipack of assorted hair bands makes the perfect choice

Autograph Wool Rich Hairline Stripe Trousers with Cashmere, at Marks and Spenser
Fashionable and contemporary, these stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Contrast Panel Padded Jacket with Stormwear™, at M&S
Comfy and practical, this padded jacket is outstanding value. An easycare style at a great price

Precision Tweezers with Protective Wallet, at Marks & Spencer
Slanted tip Clean eyebrow and carefully remove hair one at a time, plucking in the direction that the hair is growing Allow at least 5 minutes after plucking before applying make-up Keep your tweezers safely stored in the attractive wallet

Ashton Bedstead, at MarksandSpencer
Headboard: H111.5cm Endboard: H69cm Underbed: H28cm Single: L201 x W101cm Double (4ft 6''): L201 x W147cm King size (5ft): L201 x W162cm Mattress sold separately Made from solid poplar and rubberwood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Delivered flatpack due to size Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Abbey Large 2-Seater Sofa, at Marks & Spencer
H95 x W223 x D102cm Seat H54cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible seat cushions 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 Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - 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 08457 624 624 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

Limited Collection Bow Detail Court Shoes, at Marks & Spensers
Pointed toe Bow detail Slip on Court style High heel Heel hieght: 104mm Comes in sizes 3-8, including half sizes

Silver Plated Double Twist Ring Necklace, at Marks & Spenser
Clasp fastening Adjustable length Thin chain Double twist ring pendant with multifaceted bead detail Necklace length 40cm, extendable by 7.5cm

Autograph Luxury Leather Despatch Bag, at Mark's & Spencer
This Autograph despatch bag is smart and fashionable, this luxury leather design also features an adjustable strap and internal pocket for extra storage

Pure Cotton Lounge Shorts, at Marks & Spenser
Create your own look by mixing and matching these pure cotton pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

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

When you're shopping at Mark & Spensers 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 Finance. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."