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

Besides Marks & Spencers Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Home 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 Marks & Spencer 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 Marks & Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Home Insurance and Standard Home 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.

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 & Spencer Money. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer 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."

Sprung-Edge Suede Divan with 4 Large Drawers & Autograph M500 Zip & Link Mattress, at Marks and Spencer
Mattress (6ft): W180 x L200 cm Divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan Height: 41cm Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Zip & Link allows you to combine different levels of firmness on the left and right sides of the mattress. The two sides of the mattress zip together, so you and your partner can choose between medium or firm support Spring count: 1225 Mattress unzips into 2 easier to fit into your home Pocket sprung mattresses give a flexible feel Sprung-Edge divan - can be used with any mattress Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

First Readers Rapunzel book, at Marks and Spencers
A man and wife have to give their baby Rapunzel to a witch. Will anyone be able to save Rapunzel?

Halterneck Tankini Top, at Mark & Spencers
Feminine and pretty, this fashionable tankini features a contrast empire line. A stylish, shapely look

Classic Straw Trilby, at Mark & Spencers
Keep your cool in this straw sun hat, a summer and holiday essential

Small Value Soft Leaf Print Rollercase, at Marks and Spencer
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

3 Assorted Boxers, at Marks & Spencer
Fashionable and hardwearing, these boxers offer comfort and reliability at a great value price

2 Classic Non-Wired Cross-Over Bras, at Marks & Spencer
Soft and comfortable, this pack of 2 full cup non-wired bras is great value. They're designed to give gentle support and a flattering fit

Sebo Airbelt K1 Komfort Cylinder Vacuum Cleaner, at Marks and Spencer
Excellent for carpet and hard flooring Includes dusting brush, turbo brush head and horse hair parquet brush, crevice nozzle and upholstery nozzle Anti-allergy design with British Allergy Foundation Approval Extra-long hose - 2.1 metres Dustbag capacity: 3 litres Vacuum weight: 5.5kg Triple microfiltration system 5 year parts and 2 year labour domestic use warranty Quiet operation Ideal for fibre and pet hair 2100 watt motor 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 , Manufacturer: Marks & Spencer

Autograph Copper Base Frying Pan, at Marks and Spencers
Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles with silicone inserts for comfort and safety Diam: 24cm Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Traditional Wedding Cake, at M & S
Fruit cake: Vine fruits, nuts and cherries laced with brandy. Fruitcakes can be eaten up to 14 days after collection Sponge cake: All-butter sponge filled with buttercream and raspberry jam and covered in soft icing. Sponge cakes can be eaten up to 5 days after collection Medium cake (24 portions): Diam 15.5cm, Cakeboard Diam 20.5cm Large cake (54 portions): Diam 22.5cm, Cakeboard Diam 27.2cm Extra large cake (66 portions): Diam 27.5cm, Cakeboard Diam 31.2cm Fruit cake weights: Medium 1.46kg, Large 2.6kg, Extra large 3.85kg Sponge cake weights: Medium 650g, Large 1.35kg, Extra large 2.04kg Height of each cake: 5.5cm Choose from white or ivory soft icing Please note - You can tier sponge cakes on top of fruitcakes, but fruitcakes are too heavy to tier on top of sponges Please note - You will need to assemble this cake with dowels and pillars which are available to purchase in store. Please contact your collection store for details and ordering Silver cakeboard Comes in a box suitable for storing the cake before serving Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 61 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in participating M&S UK stores

Barletta Large 2-Seater Sofa, at Marks & Spenser
H85 x W227 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 Solid birch feet with a dark finish Includes 2 free matching bolsters 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 item 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

Dyson Animal DC14 Upright Vacuum Cleaner, at Marks & Spensers
Suction power: 280 airwatts (constant) Root Cyclone™ technology: Dyson vacuum cleaners separate dirt from the air by centrifugal force. It spins the air incredibly fast and the dust and dirt is flung out into the clear bin™. Suction is maintained as there is no bag to become clogged Mini turbine head: Cleans pet hair and dirt from confined spaces such as upholstery, stairs and the car Hygienic and quick to empty: Dyson design minimises risk of contact with dirt Motorised brush bar: Powerful bristles remove dirt and pet hair from carpets Expels only clean air: Air expelled from a Dyson has 150 times less mould and bacteria than the air you breathe. Dyson technology captures particles as small as pollen, bacteria and mould spores Clear bin™: Tough polycarbonate bin lets you see when it needs emptying Bin capacity: 2.7 litres Fingertip brush control: Brush bar turns off to protect delicate rugs and hard floors Reversible wand: The wand reverses to reach awkward areas more easily and with a better grip Washable HEPA filter with Bactisafe™ screener: Ideal for allergy sufferers. Filters must be washed every 6 months All floors: This Dyson model is suitable for all floors Combination accessory tool: Nozzle converts to a mini turbine head for easy removal of pet hairs Cord length: 9.3 metres Maximum reach: 14.5 metres Dimensions: H110 x W33.5 x D34cm Weight: 8.4 kg Included in the box: Mini turbine head, brush tool, stair tool, crevice tool, operations manual, quick start guide, guarantee information and product registration card 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 , Manufacturer: Marks & Spencer

Per Una Pure Cotton Spot Print Kimono, at Marks & Spencers
Modern and feminine, this pretty kimono is made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Autograph Exclusive Sea Island Cotton Briefs, at Marks & Spensers
Grown form the world's rarest variety of cotton, Sea Island Cotton flourishes exclusively in the perfect climatic conditions of the West Indies. Hand-picked and gently processed, the extraordinarily long fibres - up to 52mm - are woven into a cotton fabric that boasts the remarkable softness of cashmere and the superior durability of wool

Push & Go Giraffe, at Marks & Spenser
Suitable for ages 0-3 years Giraffe design Encourages activity and hand-eye coordination Press down, then let go and watch him speed away Rattling bead-filled wheels This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Essentials Ribbed Pencil Skirt, at Marks & Spencers
Fashionable and contemporary, this pencil skirt features a ribbed design. Exclusive, luxurious and beautiful

Château de Balan Bordeaux 2006 - Case of 12, at Marks and Spencers
Country of origin: France Grape variety: Medium Bodied Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Non-Wired Grasita Lace Bra, at Marks and Spencer
Soft and comfortable, this lace bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear

5 Pairs of Younger Girls' Sparkle Stripe Socks, at Marks and Spencers
Stock up on stylish essentials with this pack of 5 sparkle detail socks

Per Una Pure Linen Single Button Jacket, at Marks n Spencer
A pretty single breasted jacket in pure linen, featuring single button fastening and diamant detail brooch

Autograph Small Rollercase, at Marks&Spencer
Free 5 year guarantee Take the hassle out of travel with the practical, easy to transport and stylish design of this spacious rollercase. Perfect for business travel, this case includes a garment carrier and shoe bag Includes free i-trak luggage ID service see details below

Mirrored Collection Console Table, at Marks&Spencer
H78 x W122 x D35cm Mirrored effect Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Luxury Leather Multi- Pocket Bag, at Marks and Spencers
Every man should have one of these. In buttery soft washed leather, with all the pockets you could need, you'll wonder how you ever managed without it

Per Una Pure Cotton Polka Dot Revere Pyjamas, at Marks n Spencer
Modern and feminine, these pretty polka dot revere pyjamas are made from pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

2 Pairs of Younger Boys' Disney Cars Socks, at M+S
A must for fans of Disneys Cars these cotton blend socks feature the popular character

Sony Cyber-shot™ DSC-S930P Digital Camera, at Marks n Spencer
Pixels: 10.1 megapixels Zoom: 3x optical zoom lens, 17x smart zoom, 6x precision digital zoom Screen: 2.4 inches ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: H61 x W89.5 x D26.1mm Weight: 118g Video: Motion JPEG movie recording at approximately 30 frames per second PictBridge Enabled: Yes Seven scene selection modes for excellent results under a wide range of conditions Face Detection optimizes focus and exposure for clearer portraits SteadyShot image stabilization reduces image blur during handheld shooting Fun in-camera retouching functions: image trim and red-eye correction Picture Motion Browser software simplifies image management, searches and viewing on PC 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

Photographic Puppy Aunty Birthday Card, at Marks & Spenser
Cover text: Aunty... Hope you have a relaxing birthday Inside message: Blank for your own message Approx size: 150 x 150 mm

Fuzzy Farm Book, at Marks and Spencer
Children will enjoy using their creative skills as they place themed felt pieces onto the fuzzy pages. This simple text will guide the reader, but hours of imaginative play are sure to follow

Dyson Origin DC14 Upright Vacuum Cleaner, at Marks and Spencer
Telescope Reach™ wand: Wand and hose extend for high reach and stair cleaning while the vacuum remains upright and stable Root Cyclone™ technology: Dyson vacuum cleaners separate dirt from the air by centrifugal force. It spins the air incredibly fast and the dust and dirt is flung out into the clear bin™. Suction is maintained as there is no bag to become clogged Hygienic and quick to empty: Dyson design minimises risk of contact with dirt Suction power: 280 airwatts (constant). The power of a vacuum cleaner is best measured in airwatts (suction power). Motor wattage simply tells you how much electricity a cleaner uses Expels only clean air: Air expelled from a Dyson has 150 times less mould and bacteria than the air you breathe. Dyson technology captures particles as small as pollen, bacteria and mould spores Carpeted floors: This Dyson model is recommended for carpeted floors Auto carpet height adjustment: Maintains constant contact with the carpet to maximise dust pick-up Bin capacity: 2.7 litres Durable tough construction: Made from the strongest materials available to withstand bumps and bashes Clear bin™: Tough polycarbonate bin lets you see when it needs emptying No bags or filters: No extra costs and your vacuum doesn't lose power as you clean Cord length: 9.3 metres Maximum reach: 14.5 metres Dimensions: H1101 x W335 x D340mm Weight: 8.2 kg Includes: Brush tool, stair tool, crevice tool, operations manual and quick start guide 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 , Manufacturer: Marks & Spencer

Autograph Pure Cotton Stripe Design Shirt, at Marks & Spenser
Stylish and contemporary, this pure cotton stripe design shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but M&S 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 Marks & Spencer Money website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencer Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencer Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencer 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 Marks & Spencer insurance products in document format too.