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. M+S Money financial products are, of course, designed to make Marks & Spensers 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 Money 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 Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M+S Money. Not least of these is M & S Standard Motor Insurance. With M+S 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 M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M&S, 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 M&S Money Direct, you get more, and you pay less.

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

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

Pure New Wool Single Breasted 2 Button Twill Jacket, at Mark & Spencers
Beautifully tailored and finished with careful attention to detail, this luxurious jacket is made from pure new wool

Autograph Pure Silk Twister Tie, at Marks and Spencers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Signature Pot Pourri Box, at Mark & Spensers
Beautifully presented in a box, this sweet scented pot pourri selection will instantly freshen any room in your home

North Coast Pure Cotton Cargo Trousers, at Mark & Spensers
Relaxed and casual, these fashionable trousers are made from comfortable cotton and feature cargo style pockets

2 Autograph Puccini Benches, at M+S
H43 x W150 x D43cm 2 benches Frame made from aluminium covered with synthetic rattan Includes plain cushions in 100% polyester This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Les Ruettes Sancerre Rosé 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir 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

Modern Blocks Bathroom Mats, at M & S
Block design Thick texture Bathmat: L80 x W50cm Pedestal: L55 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

The Floral Collection Magnolia Liliflora Fragranced Drawer Liners, at Marks & Spenser
Contains 5 sheets Fragranced

Boneless Leg of Lamb with Rosemary & Garlic Butter, at Marks & Spencer
Serves 6-8 Ready to cook Suitable for freezing 1.6kg As featured on page 36 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Fabric Beer Glass Card, at Marks & Spenser
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 178 x 125mm

Soft Vanilla Lantern Candle, at Marks & Spenser
Soft vanilla fragrance Includes wooden plate Burns up to 4 hours, Manufacturer: Marks & Spencer

101 Brainbusting Quizzes, at Marks & Spencers
Give their brains a workout with this puzzle book. It's educational and fun, and with such a variety of puzzles they'll be busy for hours

Classic Duckling Baby Flip Photograph Album, at Marks & Spencer
Contains: 1 photo album Album: H152 x W175 x D40mm Photo sleeves: 120 x 160mm (for 4.5 in x 6 in photos)

Funnel Zip Neck Fleece, at Mark's & Spencer
Warm and comfy, this long sleeve fleece is outstanding value! A practical, stylish and easycare top at a great price

Silk Blend Luxury Multi Stripe Tie, at Marks & Spencer
Add a luxurious finishing touch with this smart stripe tie in a silk blend

Millionaire's Shortbread Dessert, at Marks & Spenser
Serves 6-8 Ready to eat Not suitable for nut allergy sufferers Comes in a table-presentable bowl 750g total weight As featured on page 49 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Enamel Butterfly Jewellery Holder, at Marks and Spencer
Enamel butterfly design Multiple hooks

Mini Limited Floral Print Dress and Leggings outfit, at Marks and Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Per Una Assorted Charms Necklace, at Marks & Spencer
Clasp fastening Adjustable length Assorted charms Mixed bead design Necklace length 40cm, extendable by 8cm

Nan Tiny Fairies Teacup Birthday Card, at Marks and Spencer
Cover text: A Lovely Birthday for a very Lovely Nan A lovely Nan like you Deserves a special day Because you are so wonderful In each and every way! Inside message: Happy Birthday Approx size: 230mm x 114mm

Stainless Steel Barbecue Tool Set, at Marks & Spencer
5 piece Barbeque set 1 x turner 1 x tongs 3 x skewers Stainless steel

Disney Handy Manny Colouring Book, at Marks & Spencers
Join Handy Manny and his cheerful band of tools inside this cool colouring book! They cant wait to get started on their next fix-it job, but colour them grab your pens get colouring!

Signature Natural Cotton Room Spray, at Marks & Spenser
15ml Deodorising spray Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

20 Denier Firm Support Tights, at Mark's & Spencer
Always look your best under that special dress by lifting, shaping and defining your figure with these great body shaper tights. These tights have a factor 10 firm support level. Support tights have been clinically proven to improve circulation and reduce ankle swelling. They'll keep your legs feeling healthier and energised. Circulation is improved, ankle swelling is reduced and legs feel less tired so they're ideal for travelling

Per Una Pure Cotton Embellished Bloom Camisole, at Marks & Spencers
A fashionable top in pure soft cotton with adjustable straps featuring a pretty floral print and crinkle finish

Flock Letters Son Card, at Marks & Spensers
Cover text: Happy birthday son Inside message: Blank for your own message Approx size: 150mm x 150mm

Ceriso Lace Trim Animal Print Shorts, at Marks & Spensers
Gorgeously feminine, these modern shorts feature an animal print and lace trim. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Pure Cotton Long Sleeve Graphic T-Shirt, at Marks & Spencers
A casual contemporary street style, this mock layered t-shirt features a graphic print. The soft cotton fabric makes it comfortable, practical and easycare

125 Years Flat Front Stripe Trousers, at Marks&Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Spa List, at Marks and Spencer
There are some wonderful places for spa out there, if you know where to find them. It's fine to have high expectations - so long as the experience lives up to them. Spa list guides you around the UK's most stylish spa hotels with the best pampering facilities

Marks and Spenser 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 & Spencer 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 Money 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 Money loans, credit cards or Home Insurance - besides a number of other insurance products, M+S Money 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 Money 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 MarksandSpencer insurance products in document format too.