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 & Spencer are so useful. M&S Money financial products are, of course, designed to make Marks and 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home 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 & Spencer 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 M & S, 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 Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

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

Portfolio Parisienne Drop Earrings, at Marks and Spencer
Hook fastening Drop style Dual bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Per Una 3/4 Sleeve Knitted Top, at MarksandSpencer
Comes with the neckalce shownA fashionable 3/4 sleeve knitted top featuring lace trim

Hand Finished Characters Easter Card, at MarksandSpencer
Cover text: Happy Easter Inside message: blank for your own message Approx size: Unfolded: 178 x 125mm

Adventurer 450 Two-Way Radios, at Marks n Spencer
TRUSOUND - pioneering noise reduction technology delivering enhanced sound quality Easy to hold rubberised grip Ultra compact size Range up to 2 miles (3km) depending on environment and terrain Up to 304 channel combinations Dual desktop charger pod Rechargeable batteries VOX technology - handsfree conversations Backlit screen 5 call tone melodies selection Dimensions: W4.5 x L8 x D3.1cm 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

Orvieto Single Estate 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Mixed White Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Hooded Beach Trekker T-Shirt, at Mark's & Spencer
Relaxed and fun, this hooded t-shirt is made from soft cotton. A practical, easycare style

Paper Butterflies Someone Special Card, at Marks and Spencer
Cover Text: To Someone Special Inside Message: On Mother's Day Approx size: 178 x 126mm

Sleeveless Bow Vest, at M+S
The scoop neck is a key detail this season. This soft cotton top makes a stylish way to get the look

°Climate Control Cotton Rich Thermal Longpants, at Mark's & Spencer
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Hall Cascade Droplet Ceiling Light, at Marks & Spenser
Glass dropper pendant Metal frame H39 x Diam 21cm 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

Luxury Sherry Trifle, at Marks & Spenser
Serves 6-8 Ready to eat 1.08kg Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 50 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Pure Cotton Short Sleeve Floral Check Shirt, at Marks and Spencer
Fashionable and versatile, this cotton short sleeve shirt is ideal for smart casual dressing and looks great layered over a t-shirt

Ultimate Pure Wool Single Breasted 3 Button Jacket, at Marks & Spencers
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Bingley Bear with Fabric Flowers Grandma Birthday Card, at Marks & Spencers
Cover text: For you Grandma... Inside message: With love on your Birthday xx This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Moulton Shelving Unit, at Marks & Spencer
H190 x W90 x D38cm 5 shelves Made from solid ash and ash veneer All wooden shelving is finished with a starburst veneer effect Delivered flatpack due to size 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

3 Cotton Rich "Lightning McQueen" Trunks, at Marks n Spencer
A must for fans of Cars, these cotton rich trunks feature Lightning McQueen

Patch Kitten Rug, at Mark's & Spencer
Kitten design W50 x L84cm, Manufacturer: Marks & Spencer

Cross Dye Stitch Detail Cushion, at M&S
Square shape Stitch detail Interlined Dimension: L45 x W45cm, Manufacturer: Marks & Spencer

Mechanical Dancing Girl Birthday Card, at Mark & Spencers
Cover Text: On your Birthday shake it! Inside Message: It's Party Time Approx size: 135 x 135mm

Pure Cotton Dobby Stripe Nightshirt, at Marks and Spencers
Pretty and feminine, this dobby stripe nightshirt is made from soft breathable cotton for a comfortable night's sleep

Girls' Limited Cotton Rich Stirrup Leggings, at Marks & Spenser
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Tyrrell's Fifth Generation Shiraz 2006 - Case of 12, at M & S
Style: Dry, medium bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites This product is not available for international delivery. Find out more

Wide Baguette Ring, at Marks and Spencers
Multiple gem design Diamant detail

Mats,coasters,trays - GRID ACA MAT 2PK, at Marks & Spencers
Manufacturer: Marks & Spencer

Per Una Double Breasted Short Mac with Belt, at Mark & Spencers
A fashionable double breasted short mac featuring a notch lapel and matching belt

Perfect Autograph Long Sleeve Jumper, at Marks & Spencer
Our cotton blend V-neck, in a range of colours, goes in the machine and the tumble dryer. You won't get through autumn without one

Disney Fairies' Shimmering T-Shirt, at Marks & Spencer
Suitable for ages 5+ Pack of 2 Contains a t-shirt with pretty pre-printed tink design and instructions Develops creativity This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Styled Overlaid Lace Padded Bra, at Marks and Spenser
Elegant and feminine, this stylish bra features stretch lace fabric and a scallop trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

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

Big & Tall Stormwear™ Single Pleat Trousers, at Mark's & Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

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 Money. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

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