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

Mark & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Marks & Spencers 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, Car 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.

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

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

Domaine Jacky Marteau Sauvignon Blanc 2008 - Case of 12, at M&S
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol Units per bottle: 10.5 Alcohol Units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Keane - Perfect Symmetry CD, at Marks & Spencers
Audio CD, Marks & Spencer

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

Cotton Blend Tank Top, at Marks and Spencers
Smart and comfortable, this soft cotton blend tank top is a lightweight extra layer that's ideal for school

Portfolio Longline Ombre Jacket, at Marks & Spenser
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

XBOX 360® UEFA EURO 08 Game, at Marks and Spenser
Win UEFA EURO 2008 - Compete as one of 52 teams from qualification right through to a virtual reproduction of UEFA EURO 2008 in Austria and Switzerland Captain Your Country - Play as yourself on the same team with up to three friends, all playing individual positions on the pitch. Compete collaboratively to win games but compete against each other for the captaincy. Develop your player through eight status levels to earn the captaincy of your country and the right to lead your team Create Yourself - Play alongside your heroes by customizing yourself in game. Place your name on your jersey, then earn experience points to enhance your skills and reputation Battle of the Nations - Represent your country online against your rivals around the world to win global supremacy. Earn individual and team points. Think your nation is the best? Now you can prove it! EURO Online Knockout Draw- Battle gamers from other nations online in 16-team single elimination tournaments to gain points for your nation Enhanced Penalty Kicks - Experience the challenge of a penalty shoot-out as if you were on the pitch. Master your nerves to score the goal that puts your team in the UEFA EURO 2008 final Interactive Celebrations - Score a goal and then control your player's movements and actions to celebrate the way you want to Dynamic Rain and Mud - Winter weather from across Europe is authentically re-created to simulate real-world playing conditions. Experience driving rain that creates sloppy, muddy pitches which dramatically impacts passing and player performance Authentic Stadiums - Compete in all 8 official stadiums of UEFA EURO 2008 Team Managers - Watch reactions from team managers on the sideline as they shout encouragement or become disappointed in your team's performance

Autograph Mineral Powder Blusher, at Marks & Spencer
Designed for all skin types Fragrance and preservative free Hypoallergenic

Mechanical Bathroom Scales, at Marks and Spencer
Mechanical Non-slip design H5.5 x W30.1 x D29.4cm Max weight: 19st, Manufacturer: Marks & Spencer

Dan's Mouse with Gift 21st Birthday Card, at Marks & Spencer
Cover text: 21 today! Inside message: Blank for your own message Approx size: 230 x 114mm

Autograph Skinny Tie, at Marks & Spensers
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Solid Spoon, at Mark & Spencers
Suitable for non-stick saucepans Hanging loop, Manufacturer: Marks & Spencer

Ceriso Rio Push Up Padded Bra with Silk, at MarksandSpencer
Sassy and glamorous, this modern bra is beautifully detailed with a lace trim. Soft padding and underwiring give great support and a flattering enhanced shape. Designed for women who want the latest look

Collections - PB WOOD PUL/TRAIN, at Marks and Spencer
Manufacturer: Marks & Spencer

Limited Collection Diamante Shoulder Top, at Marks & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

2 Pairs of °Climate Control Balance Point Boot Socks, 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. Comfortable and hardwearing, these socks are designed with Aegis Active Fresh technology to keep them odour free. Three levels of cushioning give comfort and protection where it's needed most

Musicals CD, at Marks & Spencers
Audio CD, Marks & Spencer

Black & Decker® PV9605N Dustbuster, at Marks & Spensers
9.6V for powerful and effective pick-up 700ml dustbowl capacity 12 minutes runtime 20 airwatts Pivoting nose for cleaning hard to reach areas 10 setting pivoting nose Cyclonic Action spins dirt away from the filter maintaining optimum suction power Filter cleaning wheel Cordless for use anywhere 2 stage filtration - allows the product to perform better and last longer Built-in crevice tool and hard brush Multi-surface charging base - can be wall mounted or kept on the worktop Accessories are stored on board Window bowl so you know when to empty the Dustbuster Ergonomic design

Younger Girls' Tatty Teddy Slippers, at Marks and Spencers
Round toe Slip on Tatty Teddy motif Carte Blanche Greeting Ltd 2005

Blue Harbour Stormwear™ + Fairtrade Cotton Straight Leg Chinos, at Mark's & Spencer
Look below to see a video clip about Fairtrade Fairtrade certified cotton is a new initiative that we're the first major high street retailer to support. Like all Fairtrade products, it helps local farmers to invest in developing their own communities

Road Monsters Fire Vehicles Set, at Marks and Spencer
Suitable for ages 3+ 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Pintuck Bib Jersey Top, at M&S
Smart and stylish, this pintuck bib top is made from cool comfortable cotton, and features a contrast sleeve trim and button placket

ABC and 123 Roll Wrap, at Marks and Spenser
Includes 1 roll wrap Approx size: 200 x 70cm

Autograph Filled - 3-4 TOG SILK DUVE, at Marks and Spenser
Manufacturer: Marks & Spencer

Plain Leather Gloves, at Marks n Spencer
This season's must-have, these stylish and elegant leather gloves are warmly lined and finished with stitched detailing. They come in a gorgeous range of colours so you can coordinate with all your favourite fashions

Photo Frame with Mount 20 x 25cm (8 x 10"), at Marks & Spencers
Plain photoframe Removeable mount card Aperture: 8 x 10'' H38 x W33cm, Manufacturer: Marks & Spencer

Blue Harbour Trekking Shorts, at Marks&Spencer
These classic shorts are an excellent addition to any causal wardrobe thanks to a smart, easy to wear design. Team with a long sleeve shirt or plain tee for an effortless summer look

Ultimate Non-Iron Pure Cotton Stripe Shirt, at Marks & Spensers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Mirrored 4 Drawer Chest, at Mark & Spensers
H80 x W102 x D45.3cm Mirrored finish with clear knobs All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 SAVE ON SETS Save when you buy this chest as part of a set (compared to normal retail prices). Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Per Una Cotton Rich Double Breasted Mac, at Marks and Spencer
A sophisticated double breasted mac in a soft cotton rich fabric featuring long sleeves and front pockets

Autograph Bone China Dinner Plate, at M&S
Plain Diameter: 27cm, Manufacturer: Marks & Spencer

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spenser once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days M+S, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.