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

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 M+S Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor 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 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."

Besides Mark's & Spencer Motor Insurance, M+S Money Credit Cards and other financial products, M+S 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 M+S 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 M+S purchases are also protected while you take them home.

Also, on both M+S 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.

Buckle Jersey Knitted Gloves, at Marks & Spencer
Keep out the cold in style and comfort with these flattering soft stretchy jersey gloves finished with a buckle detail

Ingredients Cocoa Foaming Bath Essence, at Marks & Spenser
Cocoa fragrance 500ml

Girls' Limited 3/4 Length Harem Jogging Bottoms, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Sonoma Triple Wardrobe, at M & S
H200 x W130 x D65cm With 1 hanging rail 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen 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 manufacturers instructions, and be aware that polishes can add sheen Click here to view the internal layout of this furniture This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Silk Rich Ethnic Self Print Tie, at Mark's & Spencer
Stylish and luxurious, this silk rich tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Limited Collection Rio Cluster Pendant Necklace, at Marks&Spencer
Clasp fastening Adjustable length Rio cluster pendant Necklace length 84cm, extendable by 8cm

Cut About Stripe Long Skirt, at Marks & Spencer
Elegant and feminine, this a-line skirt features a cut about stripe print and panel design. Stylish, practical and fashionable

Portfolio Pure Linen Pleated Blouse, at M+S
Part of Portfolio's C'est Chic trend, featuring a cosmopolitan palette of black, off white and neutral, this is a feminine and elegant look for the new season

El Esteco Tannat 2007 - Case of 12, at Marks & Spencer
Style: Dry Grape Variety: Tannat Country of origin: Argentina Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 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 Plain Cosy Dressing Gown, at M+S
Modern and feminine, this pretty plain dressing gown is made from soft fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Sounds Of The Wild Dinosaurs, at Mark's & Spencer
Fun and stimulting, this reference book with pop ups and sound will keep them entertained

Castillo del Moro Tempranillo Syrah 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: 85% Tempranillo and 15% Syrah Country of origin: Spain Closure: Screw Cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Straight Leg Stretch Denim Jeans, at Marks n Spencer
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Blue Harbour Pure Linen Drawstring Trousers, at Marks & Spencer
A stylish smart casual look, these wide leg trousers are made from cool linen and designed for a fashionable and comfortable relaxed fit

Post Surgery Modal Blend Non Wired Padded Bra, at MarksandSpencer
Pretty and feminine, this modal bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Stainless Steel Under Sink Storage Unit, at Marks & Spencer
3 tier Shelf H71 x D33 x W58cm, Manufacturer: Marks & Spencer

Maternity Cotton Rich Hooded Top, at Mark's & Spencer
Relaxed and casual, this hooded top is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. An essential fashion favourite

Pure Cotton Long Sleeve Spencer Bear Pyjamas, at M & S
Pretty and feminine, these pure cotton Spencer Bear pyjamas are made from soft breathable pure cotton for a comfortable night's sleep

Autograph Occasions Pure Silk Pleated Wedding Dress, at Marks & Spencer
Beautifully designed and luxurious, this elegant, empire line wedding dress features a pleated bodice and pretty crochet detailing. An exclusive, luxurious look from Autograph for your wedding day

Manicure Kit with Travel Wallet, at MarksandSpencer
Kit contains: Stainless steel nail scissors Nail clippers Nail file Straight tipped tweezers Presented in a travel wallet with press stud fastening

Autograph Pinstripe Jacket, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

2 Piece Pure Cotton Tie Waist Joggers, at Marks & Spencers
These cute joggers are outstanding value. Hardwearing, practical and comfortable

Autograph Microfibre & Cashmere Filled 10.5 Duvet, at Mark & Spencers
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating 300 thread count and 100% cotton jacquard cover Non-allergenic Pocket construction for even warmth Comes in single, double, 5ft and 6ft sizes Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Hoppy Birthday Frog Age 3 Birthday Card, at Marks & Spensers
Cover text: Hoppy birthday! Inside message: Have a great day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Leather Tassel Shoulder Bag, at Marks & Spencer
Stylish and practical, this handbag is made from luxurious hardwearing leather. A useful and fashionable accessory

Adored Comfort Leaf Embroidered High Leg Knickers, at Marks & Spencers
Soft and pretty, these embroidered briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

3 Pairs of Sheer Assorted Net Design Socks, at Marks n Spencer
The ultimate in stylish net design, these ankle high socks have added stretch so they'll always stay in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Autograph Essentials Vintage Rose Embroidered E-G Bra, at Marks & Spenser
Elegant and feminine this rose design bra features bow detail. It's underwired and structured to give fuller busts great support and a flattering enhanced shape. Beautiful exclusive lingerie

Japanese Floral Cushion With Recycled Filling, at Marks & Spencer
Floral design 50 x 50cm, Manufacturer: Marks & Spencer

2 Easycare Long Sleeve Stripe Shirts, at Marks & Spencers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Mark & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Mark's & 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 & Spencer 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 Property 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 (Property 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 Marks & Spencer insurance products in document format too.