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 Finance 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, House Insurance policies. Usually, UK House 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 Finance House 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 Finance House Insurance than you will anywhere else, and you may even pay less with M&S.

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 and 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 n Spencer, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

Whether you're looking for savings products or M&S Finance loans, credit cards or House Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (House 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 Mark & Spencers insurance products in document format too.

Cross Over Body Bag, at M & S
Stylish and useful this cross over body bag features adjustable strap and zip fastening pocket. A fashionable accessory

4 Assorted Hair Bands, at Marks&Spencer
Hold back those tresses in style with these fabulous hair bands

Formula Revival Cosmetox Serum Plus, at MarksandSpencer
Proven results after four weeks Collagen-boosting actives to improve the skins structure Hyaluronic acid filling spheres to plump the skin Hypoallergenic Suitable for all skin types 30ml

Ceriso Essentials Floral Embroidered Shorts, at Marks and Spencer
Flirty and fashionable, these modern shorts feature intricate contrasting floral embroidery. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Per Una Long Sleeve Bouncy Frill Cardigan, at Marks and Spencer
A casual long sleeve open cardigan in a soft cotton blend. Bouncy frill trim details give it the Per Una touch

PlayStation®3 Quantum Of Solace Game, at Marks and Spencer
You must be 12 years of age or over to purchase this product You are the new Bond: Employ all of you Bond skills in high-octane combat, chaotic gun fights and precise stealth takedowns Take Cover: First-person shooting with third-person cover combat allows you to adjust your game play to meet each challenge Fight Worthy Adversaries: Advanced A.I. systems allow enemies to react to you in intelligent and tactical ways The New World of Bond: Immerse yourself in the world of Bond with characters from both films and missions that take you through exotic real-world locations Become the World's Premier MI6 Agent: Go online with standard 12-player multiplayer modes plus unique Bond modes 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Petite 3/4 Sleeve Pintuck Tunic, at Mark's & Spencer
Pretty and feminine, this longline tunic is made from softly draping stretch viscose for a fluid look. The floral print adds a fashionable finishing touch. Specially designed and perfectly proportioned for the petite frame

Perfect Autograph Double Tramline Slip-On Shoes, at Marks n Spencer
Square toe Stitch detail Slip-on Block heel

Wizards And Magic CD, at Marks and Spencers
Audio CD, Marks & Spencer

Autograph Leather Hip Wallet, at Marks and Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Detachable Clear Bra Straps, at M & S
These clear straps attach to our multiway bras to give you a more discreet option

Per Una Chunky Knitted Scarf, at Marks&Spencer
Keep out the chills in fashionable style with this warm soft textured scarf in a modern chunky cable knit.

Cotton Rich Spot Print Vest & Knickers Set, at Marks and Spencers
Soft and comfortable, this spot print vest and knickers set is made from stretch cotton. It's designed to give gentle support and a flattering fit

Exotica Print Hipster Bikini Briefs, at Marks & Spencers
Sophisticated and elegant, these fashionable bikini briefs features a striking exotic print. A fabulous fashionable look

Wide Strap Plain Swimsuit, at Marks and Spencer
Modern and fashionable, this wide strap swimsuit is outstanding value

Silver Plated Mini Floral Necklace & Earring Set, at Marks and Spencers
2 part set Butterly stud fastening earrings Clasp fastening 'Y' necklace with adjustable length Mini floral design

Short Sleeve Textured Knit Open Front Cardigan, at Marks and Spenser
Pretty and feminine, this cardigan features a textured knit design. A smart modern look

Silver Plated Chunky Heart Stretch Bracelet, at Marks and Spencer
Stretch style Chunky heart charm

125 Years Gift Card, at Marks n Spencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Cotton Rich Dobby Revere Pyjamas, at Marks and Spencers
Pretty and feminine, these heart print pyjamas are made from soft cotton rich fabric for a comfortable night's sleep

Blossom Tree Embroidered Curtains, at Marks & Spencers
Manufacturer: Marks & Spencer

3 Aperture Photo Frame with Mount 10 x 15cm (4 x 6''), at Marks and Spencer
3 identical apertures Long rectangular frame Removeable mount card Aperture: 10 x 15cm (4 x 6in) H26.5 x W47cm, Manufacturer: Marks & Spencer

Pure Cotton Check Pyjama Bottoms, at Marks&Spencer
Fashionable and practical, these check pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Portfolio Linen Blend Panelled Skirt with Belt, at Marks & Spenser
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Leather iPod Nano Video Case, at Marks and Spencers
Keep your iPod safe, secure, and stylish with this leather case. Compatible with all nano video models, the case is made of genuine premium leather, which looks and feels great

Petite Single Breasted 2 Button Jacket, at M & S
Smart and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work

Perez Burton Rioja 2005 - Case of 6, at Marks & Spensers
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Bottle: 6 x 75cl. Suitable for vegetarians 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

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks & Spencers
Add colour to your underwear drawer with these comfy assorted check and stripe design boxers

Sonoma Dark Coffee & Side Table Set, at Marks & Spensers
2 piece set Coffee table: H45 x L135 x W50cm Coffee table has a glass lower shelf Side table: H60 x W44 x D45cm Side table has 1 drawer and a glass lower shelf Glass shelves are made from safety-tested toughened glass Made from solid oak and oak veneer Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid hardwood 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 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. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Older Boys' Pure Cotton Outback Hat, at M+S
Sun protection gets stylish with this outback style hat

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the M & S online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S House 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 and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

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