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 Mark's & 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, Buildings Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings 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 Marks & Spencers Money 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 Marks and Spenser purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings Insurance and Standard Buildings 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.

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spencers Standard Motor Insurance. With Marks & Spencers 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 Marks & Spencers 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 and Spencers, 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 Marks & Spencers Money, you get more, and you pay less.

Formal Square Buckle Belt, at Marks n Spencer
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Multiway Underwired Lace Bra, at Mark & Spensers
Whether you wear it strapless, cross-over or conventional, this smart bra offers the best in versatile comfort thanks to a multiway design and non-padded. An essential addition to any wardrobe

Pure Cotton Drawstring Joggers, at Marks & Spenser
Comfortable enough for crawling or napping in, this soft cotton jogger is a practical and fashionable choice

Miele S7260 Upright Cat & Dog Vacuum Cleaner, at Marks and Spencer
6 litre dust bag capacity 1800W Sealed system for optimum filtration 14.5 metre operating radius Supplied with an Active Air Clean filter Dust bag change indicator - signals when the dustbag needs to be replaced Rotary Dial to adjust the suction power for different floorings Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability An Upholstery nozzle, Dusting brush and Crevice nozzle are all stored at the rear of the cleaner Weight: 9.5 kg Dimensions: H1160.6 x W349.3 x D377.9mm 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

Soft Grip Turner, at Marks n Spencer
Soft grip handle Loop in the handle for hanging, Manufacturer: Marks & Spencer

Double Breasted Jacket with Cashmere, at Marks & Spencer
Beautifully tailored and finished with careful attention to detail, this sophisticated jacket is made from superior wool rich fabric with cashmere for softness and luxury

Navarra Console Table, at Marks and Spenser
H75 x W100 x D35cm 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

125 Years 2 Storage Containers Set, at Marks and Spenser
Set of 2 Jelly design 'Marks & Spencer the Milk is in the mix' slogan, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton Floral Print Corduroy Skirt, at Marks n Spencer
Fresh and feminine, this corduroy skirt is made from cool soft cotton. It's designed for a comfortable, flattering fit and an elegantly groomed look

Per Una Front Tie Drape Cardigan & Stripe Vest, at Marks and Spencer
A fashionable longline drape cardigan featuring a stripe vest

Stainless Steel Hand Grater, at Marks and Spencer
Loop in the handle for hanging Contemporary design, Manufacturer: Marks & Spencer

Floral Great Grandma Birthday Card, at Marks & Spencers
Cover text: To a precious Great Grandma have a lovely day Inside message: With lots of love

Limited Stripe Hat Scarf and Glove Set, at Mark & Spencers
Fashionable and colourful, this hat, scarf and glove set is perfect for chilly days

3 Pairs of 40 Denier Semi Opaque Knee Highs, at Marks and Spencers
A great value set of 40 denier hold ups with a reinforced top for added support making sure they stay in place at all times

Tortoiseshell Retro Plastic Sunglasses, at Marks and Spencer
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

My Recipe Keeper, at Mark's & Spencer
Organise your culinary life.. If you're a hoarder of recipies snipped from magazines or donated by friends after successful dinner parties, then you need My Recipe keeper. This indispenable book provides all the informatio you need to take a creative approach to cooking with confidence. This practical guide features, a glossary of cooking methods, a list of useful kitchen equipment, and instructions for basdic recipes that you'll use time and again. Conversion charts for measurement and oven temperatures, and a list of substitue ingredients for when you're missing something vital. A selection of delicious recipes for every occasion. Journal pages for writing in your own favourite recipes and making notes, and useful pockets for storing cuttings of recipes that you'd like to try.

Classic Non-Wired Built-Up Shoulder Bra, at Marks and Spencer
Non-wired to provide you with a more natural silhouette. This great bra offers superior support thanks to adjustable straps and added stretch, while the easycare design guarantees convenient comfort

Autograph Essentials Ponte Wide Leg Trousers, at Marks n Spencer
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Toshiba Satellite L300-1DI Laptop, at Marks & Spencer
Processor: Intel Core™2 Duo processor T6400, Intel GM45 Express chipset and Intel WiFi Link 5100, 2.00 GHz clock speed, 800 MHz front side bus, 2 MB 2nd level cache Memory: 3,072 (2,048 + 1,024) MB, 8,192 MB maximum expandability, DDR2 RAM (800 MHz) Hard Drive: 250 GB (S.M.A.R.T) Display: 15.4 '' Toshiba TruBrite WXGA TFT High Brightness display Operating System: Genuine Windows Vista Home Premium 32-bit Edition (pre-installed, Toshiba-HDD recovery) Graphics Card: Mobile Intel GMA 4500MHD, up to 1,340 MB total available graphics memory with 4 GB system memory DVD Super Multi Drive (Double Layer) : CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-R, DVD-R(DL), DVD-RW, DVD+R, DVD+R(DL), DVD+RW, DVD-RAM Expansion: 2 x memory slots (1 to configure), 1 x ExpressCard slot Interfaces: 1 x DC-in, 1 x external monitor, 1 x RJ-11, 1 x RJ-45, 1 x external microphone, 1 x headphone (stereo), 1 x integrated VGA Web Camera with built-in microphone USB Ports: 3 (Left 2, Right 1) x USB 2.0 Connectivity: Wi-Fi™, Wireless LAN (802.11a/g/Draft-N), Fast Ethernet LAN 10BASE-T/100BASE-TX international V.90 modem (V.92 ready) 56 Kbps data and 14.4 Kbps fax Bundled software: Toshiba Disc Creator, Toshiba User's Manual, Supervisor Password Utility, Toshiba Assist, Chicony Camera Assistant Software, Toshiba DVD Player, Ulead DVD MovieFactory for TOSHIBA, Toshiba Face Recognition, McAfee Internet Security Suite - Toshiba Edition (includes free Internet updates for 30 days), Toshiba Recovery Disc Creator, Toshiba Value Added Package (Toshiba Power Saver, Toshiba Zooming Utility, Toshiba PC Diagnostic Tool, Toshiba Flash Cards, Toshiba Components Common Driver, Toshiba Accessibility, Toshiba Button Support), Microsoft Works, Microsoft Office Home and Student 2007 (free 60-day trial), Google Software (Google Toolbar for Internet Explorer, Google Desktop, Picasa), Connectivity Doctor, ConfigFree™, Toshiba utilities and drivers Toshiba EasyMedia : Toshiba TEMPRO Performance Tuning Service, Smart Display Support, Toshiba Flash Cards, Wireless LAN (802.11a/b/g/ Draft-N), Built-in camera & microphone, Diversity Antenna, Toshiba ConfigFree™, Internal HD 720p support Security features : McAfee Internet Security Suite - Toshiba Edition (includes free Internet updates for 30 days), Toshiba Value Added Package (Toshiba Power Saver, Toshiba Zooming Utility, Toshiba PC Diagnostic Tool, Toshiba Flash Cards, Toshiba Components Common Driver, Toshiba Accessibility, Toshiba Button Support) Dimensions : W362 x D267 x H33 (front) / 37.7 (rear) mm Weight : starting at 2.49 kg 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

4 Maxim Tall Tumblers, at Marks & Spenser
Pack of 4 H14cm 35cl, Manufacturer: Marks & Spencer

Murphy's Contemporary Selection Reds & Whites - Case of 12, at Marks and Spencer
1 Chateau Darzac Reserve 2008: A subtle, unoaked white wine from Bordeaux that is youthful and refreshing... 1 Castello d'Alba White 2008: A stylish, full-flavoured white from Portugal's Douro Valley. Traditional Portuguese varieties have been used to create a highly individual wine with layers of flavour that include red apple, wild herbs, toasted almonds and mixed spice... 2 Willowbank Semillon Chardonnay 2007: A refreshing and intensely fruity white that is perfect for everyday drinking... 2 Beau Moulin Blanc 2008: A bright and crisp, unoaked white wine from a blend of traditional grapes grown in the sunny vineyards of the Languedoc... 1 Domaine du Donjon des Dames, Plan de Dieu 2007: A full-bodied and densely textured red from the Southern Rhne which combines rich, plum fruit flavours with an attractive note of savoury spice... 1 Castello d'Alba Red 2007: Ripe and velvety, this is a lightly oaked Douro red that is beautifully crafted and offers superb value for money... 2 De Bortoli Willowbank Shiraz 2007: warm-fruited, creamy-textured Shiraz from Australia. This wine is all about soft, rounded flavours of cherry, mint and chocolate, together with a gently warming finish... 2 Beau Moulin Rouge 2008: An intensely fruity, unoaked red wine that is bursting with flavours of black cherry, blueberry and wild herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Philips CD1553B Cordless Phone with Answering Machine, at Mark's & Spencer
50 name and number phonebook 10 minutes recording time Plug and play answering machine 10 call log entries Call waiting, caller ID, conference call, explicit call transfer, microphone mute Tone and pulse dialling Talktime up to 12 hours, standby time up to 150 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

Baby Bear Embroidered Hat & Mitts, at MarksandSpencer
Keep little heads and hands warm with this embroidered babybear hat and mittens set in soft comfy cotton

Pure Cotton Long Sleeve I Love Baking Top, at Marks & Spencer
Pretty embroidery and i love baking slogan makes this soft cotton top extra special

Elle - Magazine Gift Subscription, at Marks and Spenser
ELLE is the world's biggest selling fashion magazine. Sexy, stylish and spirited, ELLE inspires readers to celebrate their individual style and is the must-have fashion guide for every season. A subscription to ELLE makes the perfect gift for anyone with a passion for fashion

Ingredients Coconut Body Butter, at M&S
Body butter Coconut scent 200ml

Stripe Trim Hipster Bikini Bottoms, at MarksandSpencer
Fashionable and flattering, these bikini bottoms feature a stripe trim design

3 Melamine Utensils, at Marks and Spencer
3 piece set Includes spoon, slotted spoon and turner Size: L30 x W7cm, Manufacturer: Marks & Spencer

Autograph Merano Large 2-Seater Sofa, at Marks and Spencer
H84 x W195 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (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 Fabric options have reversible 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 Glide 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 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Small Hurricane Lamp, at M&S
Hurricane design Thick base Clear glass Candle and sand included, Manufacturer: Marks & Spencer

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 & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor 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 Marks & Spencers 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 & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers 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."