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 MarksandSpencer are so useful. Marks & Spencers Money financial products are, of course, designed to make M&S 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.

Marks & Spencers Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and Property Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Property Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

When you're shopping at Mark & Spencers 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 Marks and 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."

Cotton Stick Floor Lamp, at Mark's & Spencer
Square shade Tall stem Square base H136 x D30cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio Assorted Bead Necklace, at MarksandSpencer
Clasp fastening Adjustable length Assorted bead design Necklace length 107cm, extendable by 8cm

The Cotton Collection Cotton Bud, Bath and Body Duo, at MarksandSpencer
Bath foam: 160ml Body cream: 75ml Drift away with our PH balanced bath foam to cleanse and soften your skin Smooth away your day with our moisturising body cream to soften and nourish your skin

Leather Apron Stitch Loafers, at Marks & Spencer
Round toe Slip-on Contrast apron stitch Side gusset Heel cushion and arch

Stainless Steel Slotted Spoon, at Marks & Spencers
Cut-out slot design Loop in the handle for hanging L34.5cm, Manufacturer: Marks & Spencer

Gold Spot Bursts Medium Gift Bag, at M&S
1 gift bag Spot design Approx size: H260 x W200 x D90mm

Dad's Den Card, at Mark's & Spencer
Cover text: Dad's den Inside message: Have a wonderful day Approx size: 175mm x 126mm This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future

Maxim 4-Slice Toast Rack, at Marks & Spencers
Suitable for everyday use Can hold up to 4 pieces of toast Versatile fine dining range Pure white porcelain H7 x W8cm, Manufacturer: Marks & Spencer

Pure Silk Floral Print Lightweight Scarf, at Marks & 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

Collezione Luxury Wool Rich Trousers with Silk, at Mark's & Spencer
Smart and stylish, these trousers are made from fine quality wool with silk for a touch of luxury. A practical, hardwearing and fashionable choice

Pure Cotton Long Sleeve Block Stripe Jumper, at Marks and Spencer
Relaxed and casual, this long sleeved jumper is made from comfortable pure cotton and features a block stripe design. A practical easycare style

Holiday Tech Sandals, at Marks and Spencers
Round toe Lace-up fastening Grip sole

Neon Damask Wallpaper, at Marks and Spencer
Flock effect wallpaper - the pattern design elements have a luxurious velour texture Straight pattern repeat 64cm - The design elements in the pattern run horizontally across the wall and match at the seam of each adjoining roll. Every roll should be the same at the ceiling Roll dimensions: W52cm x L10m Suitable for living rooms, bedrooms, dining rooms and hallways Not suitable for bathrooms or kitchens Made in the UK and sourced from sustainable, renewable forests 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 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 , Manufacturer: Marks & Spencer

Laska Sink, at Marks and Spencer
H18 x W45 x D45cm Sink only Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Barton Armchair, at Mark & Spensers
H85 x W102 x D90cm Seat H51cm (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 feature 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 Feet are castors with antique-brass effect 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 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

Pure Cotton Straight Leg Jeans with Belt, at Mark & Spensers
A great pair of jeans always looks stylish. These straight leg jeans in pure cotton feature wrinkled effect. Fashionable, practical and easycare

Globe Collection - Mini Table Lamp, at Marks & Spenser
Fabric cylinder shade Glass globe base H37cm x Diam 25cm Bulb: 240V~ SES 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Limited Collection Low Strap Shoe, at Marks & Spencer
Round toe Mid heel Buckle fastening Comes in sizes 3-8, including half sizes

Clear Glass Coffee Table & Nested Side Tables Set, at Marks and Spenser
3 piece set Coffee table: H38 x L120 x W60cm Side table: H45 x W56 x D50cm (largest) Contemporary clear glass design Made from clear glass Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Spot Print Dress, at Mark's & Spencer
A gorgeous sleeveless spot print dress featuring frilled scoop neck

Heart Hairbands, at Marks&Spencer
Tie back those tresses in style with these cute and colourful hairbands

Panasonic Lumix DMC-FX550 Digital Camera, at Marks and Spencers
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Screen: 3.0" TFT Touch Screen LCD Display (230K dots) / Field of View : approx. 100%, Wide Viewing Angle / AUTO Power LCD mode, Power LCD mode ISO: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: 9.4 x 5.7 x 2.1cm Weight: Approx. 167g (with Battery and SD Memory Card), Approx. 145g (without) Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV

2 Autograph Fine Stripe Slips, at Marks and Spenser
A comfortable, easy to care for fabric teams up with a stripe design here to create a stylish addition to your day to day underwear drawer

Simple First Words Let's Talk Book, at Marks n Spencer
By pressing the buttons and matching the sounds to the pictures again and again, children will quickly and easily learn simple first words and develop their speech

Winnie The Pooh Meets Tigger Book, at Marks and Spencers
Chunky pages Disney, Manufacturer: Marks & Spencer

Younger Boys' Cotton Rich Football Shorties, at Mark & Spencers
Made from comfortable, breathable cotton, these football shorties are outstanding value

Pure Cotton Long Sleeve Mock Layer Monkey Top, at Marks & Spencer
Fun and fashionable, this pure cotton crew neck top features a fun monkey motif. A practical easycare style

Portfolio Paradise Multi Bead Chain Necklace, at Mark's & Spencer
Clasp fastening Chain and multi bead design Necklace length 97cm

4 Large Maxim Wine Glasses, at Marks & Spenser
Pack of 4 Height 23cm 45cl, Manufacturer: Marks & Spencer

Self Stripe Bootleg Trousers, at Marks and Spencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style

Marks & Spencers Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencers Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union – up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.