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

Besides Mark & Spencers Car 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 Marks n Spencer 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.

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 Marks and Spencer, 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.

Pure Cotton Long Sleeve Cat Top, at Marks n Spencer
The cat print makes this top so cute. It's made from pure soft cotton and feels comfy to wear.

Pure Coton Long Sleeve Hello Top, at Marks and Spenser
Cute and practical, this pure cotton long sleeve hello top is outstanding value. The soft cotton fabric will keep her happy and comfy

3 Heart Hair Bands, at Marks&Spencer
Tie back those tresses in style with these colourful heart hair bands

Geometric Print Tie Waist Sarong, at Mark & Spensers
Elegant and sophisticated, this fashionable sarong features a striking geometric print. The ultimate in poolside glamour

Twist And Shout CD, at M+S
Audio CD, Marks & Spencer

Grace Pasta Bowl, at Marks & Spensers
23.5cm diameter Leaf design Fine China, Manufacturer: Marks & Spencer

Signature Natural Cotton Scented Inclusion Candle, at Marks & Spencers
Natural cotton fragrance Comes with a flower detail glass holder, Manufacturer: Marks & Spencer

Pure Linen Ladder Detail Camisole, at Marks & Spencers
This fab sleeveless top features a pretty crochet ladder design. A fresh new look, perfect for this season

Diamanté Square Photo Frame 17 x 13cm (4 x 6"), at Marks & Spencers
Celebrate those special memories in timeless style with this contemporary glittering photo frame

Yellow Star Well Done Seed Card, at M & S
Cover Text: Well done Inside Message: Blank for your own message Approx Size: 174 mm x 126 mm

Traidcraft Pink Mobile Baby Girl Card, at Marks and Spencers
Cover text: Blank Inside message: blank for your own message Approx size: 138 x 138mm

Tribeca Corner Chaise (Left-Hand), at Marks n Spencer
H90 x W276 x D99cm Seat H46cm (all dimensions are approximate) Length L203cm 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 Includes 3 matching scatter 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 medium finish Can be arranged to fit both left and right room corners 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

M&S Classic Blender, at Marks and Spencers
2 speeds Safety feature stops the motor when the lid is removed Pulse function Safety lock mechanism Stainless steel finish 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

Pure Cotton Bob the Builder T-Shirt, at Marks & Spensers
Fans of Bob the Builder will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

La Perla Cushion With Recycled Filling, at M&S
Square design Textured Comes in 10 different colour variations L50 x W50cm, Manufacturer: Marks & Spencer

Medium Impact Non-Wired Sports Bra, at MarksandSpencer
Comfortable and secure, this medium impact sports bra gives firm, gentle support for active wear

Autograph Scratchy Spot Low Rise Shorts, at Marks and Spenser
Sophisticated and feminine, these flattering shorts feature a scratchy spot design. The modern low rise styling gives a flattering shapely fit. Beautiful exclusive lingerie

Fleece Dressing Gown, at Marks and Spencer
Wonderfully warm and cosy, the fleecy fabric of this classic dressing gown creates the perfect solution for indulging in soft, relaxing comfort

Reece Triple Wardrobe, at Marks and Spencers
H205 x W166 x D58cm 3 door wardrobe 1 hanging rail and shelf Right-hand unit has 3 shelves Assembled for you in the home This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this wardrobe as part of a set. Click here to view the Reece Collection Set. Click here to view the internal layout of this furniture, Manufacturer: Marks & Spencer

Thomas and Friends: Magnet Book, at Marks & Spencer
Join your favourite characters for some magnet scene fun! This title lets you use your imagination and lots of magnets to complete the scenes.

5 Pairs of 10 Denier Matt Look Tights, at Marks and Spencers
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Portfolio Faux Pearl Lustre Drop Earrings, at Marks & Spencers
Drop style Diamant detail Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

3 Mini Silicone Utensils, at Marks and Spencers
3 piece set Pastry brush - warm grey 20.5 x 3.3 x 1cm Spoon - plum 20.5 x 4.5 x 1cm Spatula - purple 20.5 x 4 x 1cm, Manufacturer: Marks & Spencer

Nature Beaded Napkin Ring, at Marks and Spencer
Mixed bead design Diam 5.5cm x W4cm, Manufacturer: Marks & Spencer

M&S HP 27 Compatible Cartridge, at M & S
Black cartridge Compatible with HP printers using HP 27 For use in deskjet: 3320, 3325, 3420, 3425 series, 3520, 3535, 3550, 3645, 3650, 3745, 3845, 5650, 5652, 5655, 5850, For use in officejet: 4215, 4219, 4252, 4255, 4315, 4355, 5605, 5610, 5615, 6110 For use in PSC: 1210, 1215, 1217, 1219, 1311, 1312, 1315/s, 1317 This cartridge is not an original product but has been re-manufactured and refilled to the most exacting standards 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

Autograph Single Breasted 3 Button Slim Fit Jacket, at Mark & Spensers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

2 Autograph Retro Stripe Hipsters, at Marks & Spencers
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Xenon Collection Small Rollercase, at M & S
Free 5 year guarantee Practical and stylish, this rollercase has a built-in protective moulded rear panel and expands to give you extra 20 percent capacity, while comfort grip handles ensure easy transport

Portfolio Slinky Parisienne Necklace, at Marks n Spencer
Clasp fastening Adjustable length Mixed bead design Slinky parisienne style Multi strand feature Necklace length 81cm, extendable by 8cm

PlayStation®3 PlayTV™, at Mark & Spencers
Watch: Watch more that 40 non-subscription, free-to-air digital TV and radio channels. Watch live TV while recording another channel Pause: Pause live TV and then continue Record: Record TV up to seven days in advance and watch a programme while recording another channel Play Remotely: This feature allows you to watch live TV, set recordings and view recorded programmes from PlayTV on your PSP As long as PlayTV is connected to your wireless network, PLayTV allows you to stream digital TV direct from your PS3 to anywhere in the world Connects to Playstation 3 using a USB 2.0 cable (included) Easy to use - simple interface and programme guide. The programme guide shows what is on TV now and up to 7 days in advance. Scan through the programmes contents and plan what you want to watch Does not need its own power source - runs from your Playstation 3 via USB For use with Playstation 3 40GB and 60GB Manage your recordings with the interactive video library Control PlayTV with your SIXAXIS™ wireless controller, DUALSHOCK 3 controller or BD remote Dimensions: 140 x 70 x 39.5mm Weight: 113g Playstation 3 hard drive will usually store 1 hour of standard definition TV on 1 GB of disc space 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all freeview channels when using a indoor aerial

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the MarksandSpencer 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 Marks & Spencer, 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.