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 Mark's & Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks & 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, 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 Finance 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

When you're shopping at Marks & Spensers 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 M&S Finance. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. 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 M&S Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."

Hibiscus Print Tankini, at Marks and Spenser
Great for splashing around in, this comfortable tankini features hibiscus print

Wooden Giraffe Toy, at M&S
Suitable for ages 0-3 years Approx 18cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Pure Linen Flared Panel Skirt, at Mark & Spensers
Comes with belt shown in image An elegant A-line skirt in a cool linen blend, the panel design makes it extra stylish

Artificial Red Blossom, at Mark & Spensers
Artificial red blossom No watering required therefore easy care Fresh looking throughout the year Height: 83cm, Manufacturer: Marks & Spencer

Pure Cotton Lightweight Mixed Stripe Dressing Gown, at Marks & Spencers
Soft and comfortable, this cotton dressing gown makes the perfect lightweight cover up

Nectarine & Orange Filled Candle, at Marks and Spencers
Manufacturer: Marks & Spencer

Charlotte 2 Seater Sofa AU09 Newness, at Marks & Spencers
Manufacturer: Marks & Spencer

Nintendo Wii™ Console with 3 Games Bundle, at Marks & Spencer
Includes wireless Wii Remote, Wii Nunchuk, Sing It with Mic, Sonic and The Black Knight and Tomb Raider Underground Sing it with Microphone: Disney Sing It is the new karaoke video game that allows fans to perform to 35 songs from Camp Rock, High School Musical, Hannah Montana, Miley Cyrus, Aly & AJ, Jesse McCartney and more Sonic and The Black Knight: Sonic returns to the Wii to take a wild ride through the storybook world of Camelot in his all-new adventure Sonic and the Black Knight Tomb Raider Underground: Access online Wii™ Channel for news, weather, photo viewing, message boards and more Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Completely backward compatible, all the way to the NES of the 1980s Fully compatible with GameCube games Supports up to 4 GameCube controllers 2 slots for Nintendo GameCube Memory Cards Plays two disc formats in a single, self-loading media bay Comes with A/V cable and UK power adapter Features a processing chip from IBM and a graphics chip from ATI

Beauty Care Nose Pore Stripes, at M&S
Instantly cleans clogged pores and helps remove blackheads Larger size for a better fit

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

Ring Trim Hipster Bikini Bottoms, at Marks & Spencers
Pretty and feminine, these flattering bikini bottoms are designed in the latest shape. The ultimate in poolside glamour

All Seasons 13.5 Tog Duck Feather & Down Duvet, at Marks and Spencer
13.5 tog Suitable for cooler months or colder rooms or those who prefer a warm, snug duvet 230 thread count and 100% cotton downproof cover Excellent value for money, natural duck feather and down filling ensures a soft and comfy night's sleep Highest quality class 1 duck feather down Available in Single, Double, King size and Super King size Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Petite 3/4 Sleeve Longline Tunic, at M&S
Smart and stylish, this lonline tunic is made from softly draping stretch viscose for a fluid look. The front pleat design adds a fashionable finishing touch. Specially designed and perfectly proportioned for the petite frame

Younger Girls' Buckle Pull-On Boots, at Marks & Spencer
Round toe Pleat design Buckle detail Pull-on Block heel

Flowers Luxury Wrap Pack, at Marks & Spencers
Floral design 1 sheet wrapping paper - 980 x 685 mm 1 ribbon - 2m 1 gift tag - 115 mm dia

Hepworth Dining Tables & 6 Fabric Chairs Set, at Mark's & Spencer
Table: H75.5 x L175 x D90cm Extends to L215cm Seats 6-8 Comes with extension leaf to seat 8 Extension leaf is stored beneath the table top Chairs: H97 x W48 x D63cm Seat: H48cm Neutral-coloured stripe fabric Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Chairs made from solid wood for strength Solid European Birch legs Top panel is veneered with solid birch edging for strength 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

Cotton Rich Chunky Knit Cardigan, at M & S
Contemporary and casual, this long sleeve cardigan is made with cool comfortable cotton and features a chunky knit for a fashionable look

Ivory and Black Cake or Favour Boxes, at M & S
Contains: 10 cake or favour boxes Flat: 155 x 85 mm Folded: L130 x W80 x D27mm

5 Pure Cotton Bikini Briefs, at Marks and Spencers
Practical and fashionable, this 5 pack of cotton briefs makes a great way to stock up on essential style

PlayStation®2 UEFA EURO 08 Game, at M+S
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, ESRB Rating: Kids to Adults

Divan Sets - F400Z+L NS SUEDE, at Marks and Spencer
Manufacturer: Marks & Spencer

Blue Harbour Funnel Zip Neck Fleece, at Marks and Spencer
Relaxed and comfortable, this funnel zip neck fleece is outstanding value!

Hastings Bedside Chest, at Marks & Spencers
H58 x W47 x D43cm Crafted predominantly from solid pine and fibreboard 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Illusions Illuminating Mattifying Gel, at MarksandSpencer
Hypo-allergenic 10ml

Classic Collection Centre Crease Straight Leg Trousers, at Mark & Spensers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Per Una Velour Mule Slippers, at Marks and Spenser
Mule style Round toe Flat sole Embroidered 3 hearts logo Contrast lining

Classic Collection Pure Cotton Short Sleeve Top, at Marks and Spencer
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Autograph Round Face Link Strap Watch, at M & S
Round face Analogue display Link strap

Silver Plated Triple Oval Pendant Necklace, at Marks & Spensers
Clasp fastening Adjustable length Oval pendant Necklace length: 41cm, extendable by 8cm

Autograph Pure Pima Cotton Straight Leg Jeans, at Marks & Spensers
Made with superior pima cotton, these straight fit jeans have a luxuriously soft touch for the ultimate in comfort. Each pair is hand finished to give them a casual, more worn appearance

M&S Finance 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 Motor 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; Motor Insurance and Property 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 Property 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.