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 & Spencer 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 & Spencer 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 & Spencer Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spencer Standard Car Insurance. With Marks & Spencer Money you can keep the cost of your Car 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 Car Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks n Spencer, 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 Car Insurance from Marks & Spencers Money, you get more, and you pay less.

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

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencer 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 & Spencer Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencer 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 Cotton Chandelier Embroidered Duvet Cover, at Marks and Spencer
Embroidered chandelier design Comes in single (3ft), double (4ft 6'), kingsize (5ft) and super-kingsize (6ft) Co-ordinate with Supima white plain dye sheets and pillowcases strokes T351720F,T351720S,T351720P,T351720V, Manufacturer: Marks & Spencer

Hungarian Sauvignon Blanc 2008 - Case of 12, at Marks & Spensers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Hungary Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle:8.6 Alcohol units per 125ml:1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Leather Ostrich Design Laptop Bag, at MarksandSpencer
Stylish and practical, this laptop bag is made from luxurious hardwearing leather and features useful compartments. A useful and fashionable accessory

Leather Mini Cross-Over Bag, at Marks and Spencer
Designed to be worn across the body, this stylish and fantastic value bag is crafted in wonderfully durable real leather. Perfect for keeping things close when you're out and about the zip pockets offer extra security

Classic Collection Pure Cotton Dual Swirl Neck Top, at Marks & Spencer
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a dual swirl neckline design

Autograph Summer Manor Small Pillar Candleholder, at Marks and Spencers
Hand crafted Glass holder Chunky style Comes with candle, Manufacturer: Marks & Spencer

Funnel Neck Padded Water Repellent Jacket, at Marks n Spencer
Wrap up warm in this contemporary, padded jacket. Featuring a stylish detachable hood and handy side pockets, this practical jacket is perfect for everyday wear

Classic Thinking of You Card, at Marks & Spensers
Cover text: Thinking of You Inside message: During this difficult time Approx size: 175 x 127mm

Illustrated Wind in the Willows Book, at Marks & Spencers
This is an evocative picture book based on the beloved classic tale and retold for younger children. ''The Wind in the Willows'' is a re-telling of the beloved Kenneth Grahame story following the adventures of four riverside companions: Mole, Ratty, Badger and, of course, the eponymous Mr Toad

Playstation®3 Ratchet & Clank Future: Tools of Destruction™ Game, at Mark's & Spencer
Embark on a galactic adventure Try to find an ancient device that is the key to saving the galaxy Unravel the mystery of Ratchet's origin New characters, new weapons, and all-new worlds to explore 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 2007 Sony Computer Entertainment Europe. 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Autograph Acetate Aviator Sunglasses, at Marks & Spencer
Practical and fashionable, these aviator sunglasses are designed in a flattering modern style

Autograph Cross Strap Riding Boots, at M+S
Round toe Cross strap buckle fastening Front seam Stitch detail Knee high Block heel

Autograph Metallic Wash Wallpaper, at Marks and Spenser
Textured wallpaper No pattern repeat Paste-the-wall wallpaper - Printed on special non-woven paper, when hanging this wallpaper the paste is applied directly to the wall. Easier to handle when dry and no need for a pasting table Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Roll dimensions: W52cm x L10m Made in the UK and sourced from sustainable, renewable forests How many rolls do you need?Click here for our wallpaper calculator Complete your room with made to order curtains. Click here to view our range For a detailed view of the colour and pattern, please click on the image and use the zoom function. Please note that your monitor settings may affect how colours are displayed, Manufacturer: Marks & Spencer

Collezione Merino Wool Crew Neck Jumper, at Marks and Spencer
Fashionable and contemporary, this crew neck jumper is part of Collezione, a sophisticated menswear collection inspired by Italian style

M&S DECT Cordless Phone with Large Buttons, at Marks & Spenser
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Talk time - up to 10 hours with 100 hours standby Speakerphone - talk hands-free Large display, big buttons and ultra-slim profile HD Sound - High Definition communication Large, white backlit inverse display Stores 100 names and numbers Up to 10 hours with 100 hours standby 5 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answering machine with up to 15 minutes recording time Access the answering machine on the base Message counter display on base 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

Sony Memory Stick PRO Duo 2GB, at Marks n Spencer
Optimum for storing, sharing and transferring thousands of high quality pictures, videos and music Memory: Flash Memory Storage Capacity: 2GB Dimensions: 20 x 31 x 1.6mm Weight: 2g Operating Voltage: 2.7 V - 3.6 V Environmental temperature: -25C to 85C Minimum write speed: 15 Mbps(1875MB/sec) Free to Download, the Memory Stick Data Rescue Service enables quick recovery of deleted photographs and files(www.sonydigital-link.com/memstick/) Warranty: 5 years Delivered with a standard size adaptor Ideal for high resolution video recording Compatible with copyright protection technology ("MagicGate")

Woodphotoframes - MULTI APP DESK, at Marks & Spencer
Manufacturer: Marks & Spencer

M&S Pure Cotton Pull On Bucket Hat, at Marks & Spencers
This colored hat is ideal for all your summer activities this season. Whether you find yourself at a festival, in the garden or at the beach the wide brim will keep you feeling cool and well protected

Autograph Thin Strap High Heel Shoes, at M & S
Almond toe Single thin strap with buckle fastening High heel Heel height: 85mm Comes in sizes 3-8, including half size Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

3 Pairs of Collezione Pure Cotton Diamond Socks, at Marks & Spencer
Pure cotton makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

2 Silicone and Wood spatulas, at Marks and Spencer
These essential spatulas can be used for a multitude of culinary tasks. Incredibly practical the wooden handles ensure safe heat insulation

Per Una Pure Cotton 4 Button Corduroy Jacket with Scarf, at Marks and Spenser
A fashionable single breasted corduroy jacket in pure soft cotton. Block stripe jersey scarf makes it extra stylish

Classic Collection Pure Cotton Crochet Neck Top, at Marks and Spencers
Modern and stylish, this versatile top is made from soft easycare fabric and features a crochet neck. A fashionable style with a comfortable, flattering fit

3 Pairs of Newborn Cotton Rich Assorted Socks, at Marks & Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton rich fabric

Classic Collection Floral Print Dressing Gown, at M+S
Wrap up and relax in this soft dressing gown featuring floral print for a pretty look

Cotton Buckle Belt, at Marks & Spencer
This cotton buckle belt is ideal for wearing with your favourite summer shorts or jeans

Mother's Day Address Book, at Marks and Spencer
Pack Contains: 1 address book Approx Size: 160 mm x 160 mm

Football Goal & Target Panel, at M & S
Suitable for 1 - 22 players (excluding subsititues and referee!) Sectional tubular steel frame, reusable target panel, 12 elasticated toggle ties and durable cord net 6 'U' shaped target panel pegs, 10 'J' shaped grame pegs, 4 bolts with washers and wing nuts Full assembly instructions included - no tools required. Suitable for use with any football up to size 5 For indoor and outdoor use Approx size: H1.6 x W2.9 x D0.9m, Manufacturer: Marks & Spencer

Handcrafted Tickle Me Dog Valentine Card, at Marks&Spencer
Cover Text: Tickle Me! Inside Message: Be my Valentine Approx size: 178 x 127mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

2 Easycare Long Sleeve Microstripe Shirts, at Marks & Spencers
Smart and stylish, this pack of 2 microstripe easycare shirts is great value. An ideal choice for everyday wear

Shopping for financial products at Marks & Spencer 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 & Spencer 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 Marks&Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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