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 Financial Services financial products are, of course, designed to make M & S 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 Financial Services 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

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

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 Marks & Spencers, 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 Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Little Acorns 12 Month Record Calendar, at Marks & Spencer
Contains: 1 record calendar Approx size: 430 x 340mm

Single Estate Grenache Blanc 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Grenache Blanc Country of origin: France Closure: Synthetic closure Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Floral & Feather Occasion Hat, at Marks and Spencer
Sophisticated and elegant, this occasion hat features a glamorous flower and feather trim. Sure to turn heads at stylish summer events!

Large Marquis Ring, at Marks and Spencer
Faceted faux gemstone Chunky design

Easy Iron Pure cotton Oxford Edged Stripe Shirt, at Marks and Spencers
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Footglove™ Riptape Trainers, at Mark's & Spencer
Step out in style in these Footglove™ trainers, made from soft leather. Comfortable, lightweight and flexible

Autograph Leather T-Line Stitch Laced Shoes, at Marks and Spencer
Square toe T-line Lace up Stitch detail Flats Lined

Philips HP6509 Satinelle Soft Sensitive Epilator, at Marks and Spencer
Double waved massage roller minimises the pulling sensation and soothes the skin after epilation Specifically adapted cap for more sensitive skin, allowing for gentle epilation in delicate areas Ergonomic grip for comfortable handling Extra speed setting for more sensitive zones Washable epilation head Voltage: 100-240V Power consumption: 7.5W Number of discs: 21 Number of catching points: 20 Comes with adapter plug and cleaning brush

Walkmates Sporty Riptape Trainers, at Marks and Spencers
Click here for more information on Walkmates shoes Double riptape fastening Round toe Contrast stitch detail

Beaded Capri Twist Necklace, at Marks and Spenser
Clasp fastening Chunky bead design Necklace length 45cm, extendable by 8cm

Draping Wisteria Embroidered Quilted Bedcover, at Marks&Spencer
Floral embroidery Piping L135 x W200cm, Manufacturer: Marks & Spencer

2 Non-Wired Padded Bras, at Marks and Spenser
Smooth and versatile, this padded bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear

Autograph Mineral Powder Blusher, at Marks n Spencer
Designed for all skin types Fragrance and preservative free Hypoallergenic

Per Una 3/4 Sleeve Fluffy Cardigan, at Marks and Spencer
A fashionable 3/4 sleeve fluffy cardigan in textured fabric featuring a mixed style button fastening

Autograph Pure Cotton Hooded Dressing Gown, at Marks & Spencer
Soft and comfortable, this cotton dressing gown makes the perfect lightweight cover up

DeLonghi Perfecta Easytronic ESAM5400 Coffee Machine, at Marks and Spenser
High performance 15 bar pump pressure Traditional cappuccino milk frother Ultimate bean-to-cup quality with only one touch to create perfect espresso Easytronic digital control panel: stylish ipod-style design with sleek illuminated icon display and rotating control dial Perfecta can be used with either fresh coffee or ground coffee Removable water tank (1.7 litres) Integrated professionalburr grinder with 7 adjustable coarseness settings Adjustable quantities of coffee and water to make an individually tailored cup of coffee Electronic temperature control so you can set your coffee from piping hot to medium temperature Removable brewing unit for easy cleaning Automatic shut-off of machine after a pre-set time has elapsed Adjustable steam emission Double boiler system, with one boiler exclusively for espresso and the other for steam, means your cappuccino can be made almost instantly with the press of one button Rinse and decalcification auto-programmes variable to reflect local water hardness Adjustable height coffee dispenser to accommodate either full size or espresso size Active cup warmer Removable drip tray with water level indicator Stylish high gloss black 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

Blue Harbour Cotton Blend Lightweight Check Chino Shorts, at Mark's & Spencer
Think smart on those warmer days and nights with the design of these check print shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

123 Sticker Book, at Marks and Spencers
This sticker book will keep them busy as they look for an incredible 150 stickers inside!

Per Una 3/4 Sleeve Longline Tunic, at MarksandSpencer
A fashionable longline tunic featuring tie waist feature, finished with a pintuck detail

Floral Embroidered Hat & Mitts, at M&S
Keep little heads and hands warm with this embroidered hat and mittens set in soft comfy fabric

Pure Cotton Cup Cake Print Mock Layer Top, at Mark's & Spencer
A cup cake motif makes this soft cotton top extra cute

Portfolio Sleeveless Stripe Jersey Dress, at Marks & Spensers
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Autograph Pure Silk Long Sleeve Beaded Kaftan, at Mark's & Spencer
Luxurious and exclusive, this sophisticated kaftan is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

The Floral Collection Rose Beauty Gift Set, at Marks & Spenser
Rose fragrance Moisturising hand and body lotion 50ml ingredients: Aqua, Glycerin, Paraffinum Liquidum, Cetearyl Alcohol, Petrolatum, Glyceryl Stearate, Parfum, Rosa Centifolia (Rose), Polysorbate 60, PEG-100 Stearate, Isopropyl Palmitate, Dimethicone, Panthenol, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Acrylates/C10-30, Alkyl Acrylate Crosspolymer, Triethanolamine, Propylparaben, Xanthan Gum, Benzyl Salicylate, Citronellol, Linalool, Alpha-Isomethyl, Ionone, Geraniol, Phenoxyethanol, Isobutylparaben, Ethylparaben, Butylparaben. Moisture rich foaming bath cream 50ml ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside Parfum, Rosa Centifolia (Rose), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Benzyl Salicylate, Styrene/Acrylates Copolymer, Citronellol, Linalool, Citric Acid, Magnesium Nitrate, Alpha-Isomethyl Ionone, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben. Moisture rich shower cream 50ml ingredients: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamide DEA, Parfum, Rosa Centifolia (Rose), Decyl Glucoside, Lauryl Betaine, Styrene/Acrylates Copolymer, Sodium Sulfate, Disodium EDTA, Polyquaternium-39, Benzyl Salicylate, Citronellol, Citric Acid, Linalool, Magnesium Nitrate, Alpha-Isomethyl Ionone, Sodium Lauryl Sulfate, Methylparaben, Methylchloroisothiazolinone, Propylparaben, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Butylparaben, Ethylparaben, Isobutylparaben.

Country Bunch Letters Mum Birthday Card, at Marks and Spencer
Cover Text: To my lovely... Mum ...with lots of love... xxx Inside message: ... I love you so much... Approx size: 230 x 114mm

Artificial Poppy in Square Glass Vase, at Marks & Spensers
Artificial poppy Square glass vase Height: 41cms, Manufacturer: Marks & Spencer

Pure Cotton Button Detail Bootleg Trousers, at Marks and Spencer
Designed to give a shapely silhouette, these on-the-waist bootcuts are feminine and flattering. A look that's always in style

The Button Detail Check Trousers, at Marks and Spencer
With a fashionable check print, eye-catching button detailing and a flattering cut, these trousers are simply a must have. Wear with heels for a leg lengthening look

Aviator Sport Sunglasses, at Marks & Spensers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Enry the Elephant Sister Birthday Card, at M & S
Cover text: To a lovely Sister Message: Have a lovely day! Approx size: 150 x 150mm

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Mark & Spencers 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 Financial Services 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 Financial Services loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services 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 and Spencers insurance products in document format too.