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 & Spencers Money financial products are, of course, designed to make Marks and 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 Marks & Spencers 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 Marks & Spencers Money Property 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 Property Insurance or Car Insurance, but Marks & Spenser 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 & Spencers Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or Property Insurance - besides a number of other insurance products, Marks & Spencers 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 & Spencers Money 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 Mark & Spensers insurance products in document format too.

Marks & Spencers Money 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Autograph Pure Cotton Bold Stripe Shirt, at Marks and Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a striking stripe print

Auto Movement Mantle Clock, at Marks & Spenser
Square shape Roman numerals Exposed cog design, Manufacturer: Marks & Spencer

Handcrafted Winnie the Pooh Valentine Card, at MarksandSpencer
Cover Text: Happy Valentine's Day Inside Message: Lots of love and a hug or two Approx size: 178 x 127mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Single Sprung-Edge Divan with 1 Small + 1 Large Drawers & F400 Coolmax® Pocket Memory Foam Mattress, at Marks and Spencers
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Tiny Fairies Mum Birthday Card, at Marks and Spencer
Cover text: A perfect Mum like you Inside message: ...deserves a perfect birthday that's full of fun and laughter xx Approx size: Unfolded: 150 x 215mm

2 Climate Control Crew Neck T-Shirts, at MarksandSpencer
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

Linen Blend Tie Waist Crop Trousers, at Marks and Spencer
Fresh and fashionable, these linen blend cropped trousers look chic with wedges, sandals or flat pumps

Pure Cotton Short Sleeve Pleated Bow Top, at Marks & Spencer
This short sleeved top will make a useful addition to your wardrobe. It features smart pleated bow design for a stylish casual look

Citronella Tealights - Bag of 50, at Marks and Spencers
Contains: 50 t-lights Up to 5 hours burning time for each, Manufacturer: Marks & Spencer

Machine Washable & Tumble Dry Stripe Trousers, at Marks and Spencers
Put an end to expensive trips to the dry cleaner with our innovative Machine Washable range. Each suit's stylish cut and fit is combined with the convenience of its high quality fabric that can be machine washed and tumble dried

Classic Collection Floral Embroidered Nightdress, at Mark's & Spencer
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty embroidery

Cecily's Garden Foiled Anniversary Card, at Marks and Spencers
Cover text: Happy Anniversary Inside message: Lots of love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Pair of Bay Trees, at Marks & Spensers
A pair of evergreen bay trees for outside display. Also known as Laurel, wreaths of this aromatic plant were used by the Ancient Greeks and Romans to crown victors. Not only will these trees look fantastic in your garden or patio, the leaves will add extra flavour to your cooking tooAvailable for delivery from 1st April to 30th September 2009

XBOX 360® Viva Piñata: Party Animals Game, at Marks n Spencer
Includes more than 40 mini games and a dozen foot races for players to compete against one another to collect candy and bonuses in exotic and hazard-filled locations Appealing to kids or those just young-at-heart, this unique social party game rewards and challenges all players regardless of their skill level Up to four players can play simultaneously 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

Ben 10: Sticker Action, at Marks and Spencer
Go for a sticker smackdown with these cool activity books that deliver the things boys love best - aliens, automobiles and attitude!24 pages of puzzles, challenges and street style will satisfy the hippest kid. Boys can use their stickers to recreate their favourite Ben 10 episodes and Hot Wheels cars, or mix things up to create funky new designs. Customise your own car or assemble an alien army - sticker books let boys make the rules

Silver Finish Wood Photo Frame 13 x 18cm (5 x 7"), at Marks n Spencer
Rectangle shape Pine wood border Silver finish Aperture: 13 x 18cm (5 x 7") Dimensions: H24.2 x W29.3 x D2.7cm, Manufacturer: Marks & Spencer

Black & Decker® FV1205N Pivot Plus Cordless Stic Vac, at Marks and Spencer
Pivots in 4 positions to adapt to the different cleaning situations. Position 0 for charge and storage; position 1 for normal use; position 2 pivoting angle; position 3 pivoting angle Cordless for maximum convenience Up to the edge cleaning thanks to its innovative floor-head Powerful 12V unit for high pick-up level of dirt and debris Double filtration system for better performance and longer filter life Easy emptying system: just open the lid to empty the bowl Rotating power brush for effective cleaning of carpet and rugs Simply switch-off the floor head beater bar for hard surface cleaning Lightweight for effortless use, even on stairs Easy to store thanks to its docking station that allows the unit to charge whilst stored

DeLonghi EC270 Pump Espresso & Cappuccino Machine, at Marks & Spenser
High performance 15 bar pump pressure - ensures best tasting espresso and cappuccino with no limit to the number of cups produced Traditional stainless steel cappuccino milk frother Professional 2 in 1 filter holder suitable for ground coffee or ESE pods Cappuccino System - it mixes steam, air and milk producing a rich, creamy froth for a great cappuccino 3 different buttons: on/off, coffee and cappuccino Separate coffee and steam boiler thermostats for faster use and optimum temperature control Adjustable steam emission Incorporated crema device Self-priming system means machine is always ready to use Removable 1 litre water tank Stainless Steel removable drip tray Measuring spoon Includes free Illy Pods Stylish retro design Built to accommodate either a full sized cappuccino cup or 2 espresso coffee cups Cup warmer Easy to use 3 button operation 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

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

Silver Celebration Cake, at Marks & Spencer
36 portions Fruit cake: Vine fruits, nuts and cherries laced with brandy. Cake weight 2.7kg. Fruitcakes can be eaten up to 14 days after collection Sponge cake: All-butter sponge filled with buttercream and raspberry jam. Cake weight 1.7Kg. Sponge cakes can be eaten up to 5 days after collection Cake size: 20.5cm square 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 in the food to order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Modal Blend Secret Support™ Pyjama Top, at Marks & Spencer
Flattering and feminine, this top is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Sicilia Bianco 2007 - Case of 12, at M & S
Style: Dry Grape variety: Mixed White Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Lucie Strand Mixed Bead Necklace, at Marks and Spencer
Clasp fastening Adjustable length Mixed beads Multi strand Necklace length: 45cm, extendable by 7cm

Per Una Lace Front Brazilian Knickers, at Marks & Spencer
Feminine and delicate, these stylish brazilians briefs feature a delicate front panel in soft stretch lace. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

Per Una Crochet Bikini Briefs, at Marks and Spencers
Pretty and feminine, these gorgeous briefs are fashionably detailed with a crochet detail. The ultimate in poolside glamour

Big & Tall Flat Front Wool Blend Trousers, at Marks & Spenser
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. Perfectly proportioned for big and tall men

Stain Defence™ & Stormwear™ Centre Crease Cargo Trousers, at Marks & Spensers
These modern cargo style trousers are treated with Stain Defence™ and Stormwear™ technologies, so they repel water and stains. An adjustable waist gives a perfectly comforatable fit for longer. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away

Limited Collection Round Toe Court Shoes, at Mark's & Spencer
Heel height: 78mm Round toe Slip on Court style High heel Comes in sizes 3-8, including half sizes

Is It Bedtime Wibbly Pig?, at Mark & Spensers
The perfect bedtime companion. Mick Inkpens' lovely children's book is about the adorable character 'Wibbly Pig' and his dislike for bedtime (something most children can relate to!) With charming illustrations and a simple storyline this book is sure to be a hit with your little toddler

Portfolio Short Sleeve Ponte Dress, at M+S
Pretty and feminine, this ponte dress features empire line. A flattering, stylish look

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 Marks n Spencer 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 Marks & Spencers, through its Marks & Spencers Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.