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 Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Mark & Spencers 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 Financial Services 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 Financial Services House Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services 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 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 Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

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 Spencers 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 & Spenser, through its M&S Financial Services 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.

Single Stainless Steel Egg Poacher, at Marks and Spencer
Adjustable spine Rear hook Steam holes, Manufacturer: Marks & Spencer

Large Moroccan Lantern, at Marks & Spencers
Hanging hook Moroccan inspired design H57 x W23 x D23cm, Manufacturer: Marks & Spencer

Machine Washable Diagonal Stripe Tie, at Marks and Spenser
No more trips to the drycleaners! This striped tie is machine washable

Per Una Cotton Rich Cropped Ankle Jeans, at Mark's & Spencer
A stylish cropped pair of jeans in stretch cotton featuring a slit side hem. Comes with a silver plaited belt, making it extra stylish

Per Una Roma Wide Leg Trousers, at M&S
A modern wide leg pair of trousers featuring a tab waistband feature with tonal square button

Large Bingley Bear Rosette Dad Birthday Card, at Marks and Spencer
Cover text: Happy birthday, Champion Dad, 1st Inside message: You're always a winner Approx size: 220 x 220mm

Floral Pattern Mug, at Mark & Spensers
Floral design, Manufacturer: Marks & Spencer

Autograph Oval Collection - Floor Lamp, at Marks and Spencer
Cylinder shade Round base Pull string switch 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 Embroidered Jersey Top with Camisole, at Marks & Spensers
A gorgeous jersey top with camisole featuring an embroidered neckline and diamonte button detail

Post Surgery Total Support Non-Wired Bra, at Marks & Spencers
When we were challenged to produce a range of beautiful, post surgery garments, we wanted to get it right - so we asked women affected by breast cancer what they wanted. The result is a range of gorgeous, feminine lingerie designed to feel incredibly comfortable and the perfect fit for you. Every element has been considered for maximum comfort against delicate scar tissue. This lingerie has been extensively tested so you can be confident that every part stays in place

Signature Natural Cotton Room Spray, at Marks and Spencers
15ml Deodorising spray Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Barrel Large High Ball Glass Tumbler, at Marks & Spencers
Barrel shape High ball Dishwasher safe, Manufacturer: Marks & Spencer

Philips 32FL5404 32" HD Ready Digital LCD TV, at M&S
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32" Widescreen LCD WXGA Active Matrix TFT, 1366 x 768p Contrast Ratio: Dynamic contrast 50000:1 for incredible rich black details Screen Enhancement: Anti-Reflection coated screen Brightness: 450 cd/m Viewing angle: 178 (H)/178 (V) Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Connectivity: Ext 1 Scart - Audio L/R, CVBS in, RGB; Ext 2 Scart - Audio L/R, CVBS in, RGB; Ext 3 - YPbPr, Audio L/R in; Front/Side connections - HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0; Other connections - Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface; HDMI 1 - HDMI v1.3; HDMI 2 - HDMI v1.3; EasyLink (HDMI-CEC) - One touch play, System info (menu language), Remote control pass-through, System audio control Sound: Output power (RMS) - 2 x 10 W; Sound Enhancement - Incredible Surround, Treble and Bass Control; Sound System - Nicam Stereo Child Protection: Child Lock+Parental Control Screen Format Adjustments: Auto Format, Movie expand 16:9, Super Zoom, Widescreen Smart mode: Game, Cinema, Personal, Energy saving, Standard, Vivid Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Mains power: 220-240 V, 50 Hz Power consumption: 130 W Dimensions: W81 x H52 x D9.5cm Weight: 10kg, 13kg(with stand) Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries 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

Non-Iron Cotton Blend Long Sleeve Stripe Shirt, at Marks & Spencers
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Blue Harbour Pure Cotton Button Down Oxford Shirt, at M&S
Relaxed and stylish, this long sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Older Girls' Heart Print Tankini, at Marks and Spencer
Fun and fabulous, this comfortable tankini is sure to make a splash!

Ivory Wedding Table Numbers, at Marks and Spencer
12 table numbers Approx size: 150 x 110mm

Moulton Coffee and Side Table Set, at Marks & Spencers
2 piece set Side table: H55 x D55cm Coffee table: H45 x L120 x W60cm Glass table tops are made from safety-tested toughened glass All wooden shelving is finished with a starburst veneer effect Made from solid ash and ash veneer 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

Perfect Limited Collection Buckle Boots, at Marks and Spencer
Round toe Top and ankle buckle feature Stitch detail Heel height: 51mms Comes in sizes 3-8, including half sizes

Textured Knee Length Piped Skirt, at Marks & Spencers
Chic and stylish, this piped skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

Silver Plated Multi Strand Necklace & Earring Set, at Marks and Spenser
2 part set Butterfly stud fastening earrings Clasp fastening multi strand necklace with mixed bead design

Artificial Cherry Blossom in Ceramic Vase, at M+S
Artificial cherry blossom Ceramic oval pot Height: 80cm, Manufacturer: Marks & Spencer

Dot Dash Embroidered Bed Set, at M&S
2 part set Dot dash design Cloud pattern Embroidered detail Think climate! This can be washed effectively at 30C, find out more Co-ordinate with 50/50 Stone plain dye sheets and pillowcases strokes T352101F,T352101S,T352101P,T352101V, Manufacturer: Marks & Spencer

Classic Ceramic Tall Mirror, at Marks and Spenser
Freestanding Round mirror H38 x W17 x D16cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

125 Years Luxury Wool Rich 3 Button Stripe Jacket, at Marks & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Autograph Feather Bow Headband, at Marks & Spencers
Keep tumbling tresses off your face with this stylish bow and feather headband

Perfect Double Button Wide Leg Trousers, at Marks and Spencer
Wide leg trousers work with boots or heels for a feminine, flattering silhouette. Button detailing gives this pair extra style

Pure Cotton Block Stripe Hooded Top, at Marks & Spencer
Relaxed and casual, this comfortable hoodie is made from pure cotton and features stripe design. A great value easycare style

Pop Up Vintage Car Birthday Card, at Mark & Spencers
Cover Text: Birthday Inside Message: To, From Approx size: 90 x 230mm

Autograph Faceted Cylinder Vase, at M&S
Manufacturer: Marks & Spencer

M&S Financial Services 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 House 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 House 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, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.