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. Marks & Spencers 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 Marks & Spencers 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 Marks & Spencers Money Property 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 Mark's & Spencer, through its Marks & Spencers 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

When you're shopping at MarksandSpencer 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 Marks & Spencers Money. 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 Marks & Spencers 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers 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."

Sonoma Extending Dining Table, at Marks & Spensers
H75 x W180 x D100cm Extends to L230cm Seats 6-8 people Made from solid oak and oak veneer Centre leaf can be stored beneath the table top This range features natural wood characteristics - knots, figuring, and subtle colour variations Finished with 2 coats of durable, clear lacquer of low sheen Top panel is veneered with solid oak edging for strength Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Sonoma Collection Set. , Manufacturer: Marks & Spencer

Silicone Cake Cases, at Marks & Spenser
Set of 9 Assorted colours Ribbed feature H3 x Diam7cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Pear Buckle Belt, at Marks and Spencers
A bold buckle makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Chrome Collection Towel Rail, at Marks and Spencer
Polished finish Wall mounted H1.5 x W62 x D6.6cm, Manufacturer: Marks & Spencer

Pure Cotton Tie Dye Beach Towel, at Marks n Spencer
Tie dye design, Manufacturer: Marks & Spencer

Fenton 2-Seater Sofa, at Marks & Spencers
H90 x W188 x D103cm Seat H51cm, arm H63cm, top back rail H76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with dark finish All sofas include 2 arm bolsters All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cotton Rich Lace Trim Midi Knickers, at Marks & Spencers
Pretty and feminine, these spot print midi briefs are extremely comfortable to wear and give good coverage at the front and back

2 Limited Collection Full Cup Padded Bras, at Marks & Spencers
Fun and fabulous, these cotton blend t-shirt bras are part of our Limited Collection lingerie. They are perfectly smooth so you won't get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Firm Control Chevron Stripe High Waist Knickers, at MarksandSpencer
These firm control knickers shape you where you need it most, flattening your tummy and nipping in your waist. The chevron stripe design gives a modern look

Autograph Leather Cross Body Bag, at Mark & Spensers
Luxurious and beautiful, this leather handbag is part of our exclusive Autograph collection. It's front pocket make it practical as well as being a highly desirable fashion accessory

Collezione 2 Button Suedette Jacket, at M&S
A suedette finish adds a luxuriously soft sheen to this smart casual jacket. Inspired by the natural understated elegance of Italian style, the single breasted design offers a slim and contemporary silhouette

Plush Noisy Plane Toy, at Mark & Spencers
Plush toy Brightly coloured soft bus Textured fabric wings Realistic sound This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Leather Whip Stitch Apron Loafers, at Marks and Spencers
Square toe Slip-on Stitch detail

Per Una Pure Cotton Floral Print Nightdress, at Marks and Spenser
Modern and feminine, this pretty nightdress is made from soft cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Autograph Pure Cotton Stripe Roll Sleeve Shirt, at Marks & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Country Bunch Die Cut Niece Card, at Marks n Spencer
Cover text: Niece happy birthday Inside message: Have a fantastic day Approx size: 150 x 150mm

Younger Girls' Pure Cotton Owl Pyjamas, at Marks and Spencer
Cute and comfy, these pure cotton pyjamas are outstanding value

Glass Collection - Magazine Rack, at MarksandSpencer
Curved sides Contemporary magazine rack, Manufacturer: Marks & Spencer

Pure Cotton Bib Front Dress, at MarksandSpencer
Delicate and pretty, this flattering cover up dress is designed in the latest shape. The ultimate in poolside glamour

Happy Birthday Dog Card, at Marks and Spencer
Cover text: Happy Birthday to you Inside message: Have a fun day Approx size: 174 x 126mm

Limited Collection Cross Body Bag, at Marks & Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and zip fastening pocket. A practical and stylish accessory

Metallic Paisley Bow Tie, at MarksandSpencer
Crafted from luxurious silk, this elegant bow tie is a sophisticated choice for entering those black tie events in classic style

Cotton Rich Belted Bootleg Jeans, at Marks and Spencers
Comes with belt shown in image Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit. Specially designed for the petite frame

Blue Harbour Cotton Rich Funnel Neck Sweatshirt, at Marks and Spencers
Relaxed and cosy, this cotton rich sweatshirt is extremely comfortable and can be worn layered for a contemporary look

Autograph Pure Silk Sprig Tie, at MarksandSpencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Handwoven Pencil Pleat Ribbed Curtains, at MarksandSpencer
Unlined Pencil pleat Comes in standard 130cm/51in (STD) and wider 168cm/66in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Footglove™ Leather Heeled Moccasins, at Mark & Spensers
Square toe Stitch detail Slip on Mid heel Heel height: 40mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

24 Mini Cheese & Tomato Frittatas, at Marks & Spensers
Contains 24 pieces Serves 6 Ready to eat 672g As featured on page 13 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

Padded Plunge Bra, at Marks and Spencer
Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

Malabar Nest of Tables, at Marks and Spencer
Set of 3 H61 x L63 x W46cm (largest) Made from solid mango wood Protective low-sheen lacquer finish for added durability Legs made from solid wood 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

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