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, 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.

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

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

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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Mark's & 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."

Dora the Explorer Watch, at Marks and Spencer
Buckle fastening Round face Butterfly design on straps Analogue Dora the explorer design 2007 Viacom International Inc

Adjustable Task Collection - Table Lamp, at Marks & Spencers
Antique-effect brass finish Height adjustable from 54 cm to 76 cm H40 x Diam 19cm Frosted glass shade Bulb: 40W SES golf ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sony Ericsson T303 - T-Mobile Pay as you talk Mobile Phone, at Marks and Spencer
A maximum of 2 phones per customer may be purchased Talk time: Up to 9 hours Stand-by time: Up to 16 days Dimensions: 8.3 x 4.7 x 1.5cm Weight: 93g Screen: 128 x 160 pixel resolution, 65,536 LCD colours Camera: 1.3 megapixel Messaging: SMS and MMS - Combine image, video, text and voice clips and send an MMS to a compatible phone or PC Memory: 8MB Radio: Save your favourite channels as presets Music player: Plays multiple audio formats including MP3, AAC, AAC+, e-AAC+ and WMA

Gold Spot Bursts Large Gift Bag, at Marks & Spencers
1 gift bag Spot design Approx size: H420 x W300 x D100mm

There Was An Old Lady Who Swallowed A Fly, at M & S
First published thirty years ago, the Classic Books-with-Holes have become known and loved world-wide, ingenious die-cut holes bring the old Lady who swallowed a fly to life, and Pam Adams's illustrations are beautifully funny and charming

Butterfly Shaker Age 21 Birthday Card, at Marks and Spencer
Cover text: 21 Happy Birthday Inside text: Blank for your own message Approx size: 175 x 126mm

Silver Plated Shimmer Necklace, at Marks & Spencer
Clasp fastening Adjustable length Fine chain Diamond design pendant Necklace length 64cm

Azure Breeze 100ml Eau De Toilette, at Marks & Spenser
100ml Eau de toilette

Portfolio 3/4 Sleeve Button Trim Top, at Mark & Spensers
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

3 Pairs Of Trainer Socks, at M&S
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, superior shape retention and durability

Per Una Peep Toe Slingback Wedges, at Mark's & Spencer
Peep toe Knot design Slingback style Buckle fastening Heel height 69mm

Paisley Cake Birthday Card, at M&S
Cover text: Have a wonderful birthday Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Château Puy Mouton 2006 - Case of 6, at Marks and Spencers
Style: Full bodied Grape variety: Merlot, Cabernet Sauvignon, Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Per Una Pure Linen Woodblock Print Dress, at Mark's & Spencer
A stunning knee length dress in pure cool linen. Grosgrain tape detail give it the Per Una touch

Gold Plated Sparkle Floral Ring, at Mark & Spensers
Gold plated Cluster design

3 Pairs of Cotton Rich Heart Print Socks, at M&S
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Machine Washable Diagonal Multi Stripe Tie, at Marks and Spencers
Combining machine washable convenience with a contemporary design, this stunning tie will make a valuable and versatile addition to your smart wardrobe

Handcrafted Sex Bomb Valentine Card with Badge, at Marks and Spencer
Cover text: Sex bomb Inside message: With love on Valentine's Day Approx size: 150 x 150mm

Mixed Bead Necklace, at Marks and Spenser
Clasp fastening Mixed bead design Link chain Necklace length: 40cm

Sparkle Jacquard Tassel Scarf, at Marks & Spenser
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The sparkle detail adds a stylish finishing touch

First Readers The Three Little Pigs, at Marks & Spencer
This popular story is part of the First Readers range. The three little pigs are each building their own house, but oh no here comes the big bad wolf! These First Reader story books help your child learn to read. They are closely linked to the National Curriculum. Their vocabulary has been carefully selected from the word lists recommended by the National Literacy Strategy

Autograph Pure Cotton Embroidered Dress & Knickers Outfit, at Marks and Spencers
Fashionable and practical, this cute dress and knicker 2-piece outfit features a pretty floral embroidered design. It's made from soft cotton to keep her comfortable and happy. With luxury in every detail, this is part of our exclusive Autograph collection

15 Denier Medium Support Stockings, at Marks&Spencer
These medium support stockings are clinically proven to improve circulation and reduce ankle swelling. They'll keep your legs feeling healthier and energised

M&S High Gloss Black Flat Panel TV Stand up to 52'', at Marks & Spensers
Supports flat panel LCD and plasma TVs up to 52" Clear, tempered safety glass shelves Fits up to 4 audio video components and a center channel speaker Includes a cable management system to hide wires and interconnect cables Metallic black finish Scratch resistant, powder-coated steel framing Top shelf weight capacity: 56.7kg Lower shelves weight capacity: 22.7kg Overall dimensions: H61 x W127 x D53.3cm Top shelf dimensions: W127 x D40.6cm Middle shelf dimensions: H25.4 x W106.7 x D38.1cm Lower shelf dimensions: W106.7 x D45.7cm Boxed delivery - self-assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Hooded Block Panel Coat, at Marks & Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Petite Stitch Waistband Straight Leg Trousers, at Marks&Spencer
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style. Specially designed and perfectly proportioned for the petite frame

°Climate Control Cotton Rich Thermal Longpants, at Marks & Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Footglove™ Leather Formal Loafers, at Marks and Spencers
Square toe Chunky design Stretch band detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Per Una Essentials Modal Rich Pintuck Padded Plunge Bra, at Marks & Spencer
Elegant and feminine, this stylish bra features a pintuck design and lace trim. It's underwired for extra support and the padded plunge style gives an enhanced shape. Pretty everyday fashion

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

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money website:

• M&S Insurance: M&S Car Insurance, M&S Property Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from MarksandSpencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.