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 & Spensers are so useful. M&S Money financial products are, of course, designed to make Marks & Spenser 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 M&S 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 and Spenser 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.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers 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 n 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.

Pure Silk Textured Multi Stripe Tie, at Marks & Spencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Long Sleeve Stormwear™ Ruffle Coat, at M&S
Fashionable and practical, this cosy coat is warmly padded and lined with fleece. It's treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Younger Girls' Little Miss Sunshine Sandals, at M & S
Round toe Lilttle Miss Sunshine motif Flat sole Mr Men and Little Miss™ & 2007 THOIP (a Chorion company). All rights reserved

Baby Bunny Stripe Flat Sheet, at Marks&Spencer
Stripe design Baby bunny motif Wide Trim Pure Cotton, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Little Miss Top, at Marks and Spenser
Fans of Little Miss will love this pure cotton top featuring the popular character. A practical, easycare style

Blue Harbour Heritage Pure Cotton Herringbone Denim Shirt, at Marks and Spencer
Relaxed and stylish, this long sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Embroidered Spot Cushion With Recycled Filling, at Marks and Spencer
Spot design Square shape, Manufacturer: Marks & Spencer

Miele GN Hyclean Dustbags, at Marks n Spencer
Replacement dustbags for Miele vacuum cleaners

Short Sleeve Open Front Cardigan, at Marks & Spencer
Elegant and stylish, this short sleeve cardigan is a modern style essential

Non-Iron Short Sleeve Plain Shirt, at Marks & Spenser
Style, convenience and quality, you can have it all with this smart non-iron shirt, providing you with a hassle-free start to your work day

Stain Defence™ Junior Centre Pleat Culottes, at Marks n Spencer
Fashionable as well as practical, these easycare culottes make a stylish alternative to skirts or trousers for school

25 Fresh Rose Room Scenters, at Marks and Spencer
Pack of 25 Fresh rose scented Burns upto 4 hours each, Manufacturer: Marks & Spencer

Photo Beer Brother-in-Law Birthday Card, at MarksandSpencer
Cover text: Birthday cheers! Brother-in-Law (Label on bottle: Cheers to you a full bodied mature bloke) Inside Message: With lots of love Happy birthday Approx size: 175 x 126mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Little Acorns Birth Announcement Pack of Ten, at Marks & Spencers
Cover Text: New baby Inside Message: Would like to announce the birth of . . . . . .,A new arrival . . . . . . , On . . . ., Time . . . ., Weighing Pack Contains: 10 cards, 1 design Approx Size: 120 mm x 120 mm

Petite A-Line Skirt with Belt, at Marks & Spensers
Smart and modern, this flared a-line skirt features stitch detail. A great work-to-evening style. Specially designed and perfectly proportioned for the petite frame

Large Diamanté Platinum-Plated Square Stud Earrings, at Marks & Spenser
Stud earrings Diamant design Butterfly fastening Platinum-plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Limited Collection Frill Side Tunic, at Marks & Spencers
Get the latest look in this trend-conscious tunic with contemporary frill details

Starry Animal Presents Multipack of Mini Cards, at Marks and Spencer
8 cards, 4 designs Cover text: All cards are blank Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 95 x 80mm

Mary Poppins 45th Anniversary Edition DVD, at Mark & Spensers
Rating Universal, suitable for all,

Cotton Rich Funnel Neck Velour Top, at Marks and Spenser
Treat yourself to plush comfort with this super soft velour top. Perfect for relaxing or exercising in style

Autograph Pure Wool 2 Button Jacket, at Marks and Spenser
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Metal and Glass Votive Wheel, at M&S
Metal design Includes 6 votives H7 x D25cm, Manufacturer: Marks & Spencer

Sensuale 100ml Eau De Toilette, at M & S
100ml Eau de toilette

Cotton Rich Lace Trim Brazilian Knickers, at M+S
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim knickers are designed to make the most of your figure

2 Classic Cellular Briefs, at Marks & Spencers
Easy to care for cotton and a classic cut ensures these comfy briefs are a staple part of any underwear drawer

Autograph DD-G 2-Tone Embroidered Bra, at Marks & Spenser
Luxurious and elegant this bra features two tone embroidery. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Per Una Allegra Heart Charm Drop Earrings, at Marks & Spensers
Drop style Hook fastening Heart charm For hygiene reasons, refunds will only be given in accordance with your legal rights

2 Cotton Rich Lace Trim Vests, at Marks and Spencers
Stylish and practical, this pack of 2 vests makes a great value way to stock up your underwear drawer. The stretch cotton fabric is the ideal choice for everyday wear and gives a comfortable flattering fit.

Short Sleeve Thermal Vest, at Marks and Spencer
Soft, warm and cosy, this cotton blend thermal vest are designed to give comfy insulation, perfect for chilly weather

Blue Harbour Pure Linen Long Sleeve Shirt, at Marks and Spenser
Stylishly smart casual, this long sleeve shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

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