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 & Spencer 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

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

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or House Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (House Insurance, Car 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.

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money website:

• M&S Insurance: M&S Car Insurance, M&S House 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 & Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.

Flock Heart Wedding Card, at Marks & Spenser
Cover text: WEDDING Inside message: Blank for your own message Approx size: Unfolded: 178 x 126 mm

Adored Comfort All Over Lace High Leg Knickers, at MarksandSpencer
Soft and pretty, these lace trimmed knickers are made from a soft stretchy blend of modal and cotton

Pure Cotton Embroidered All In One with Hat, at Marks & Spencer
A great choice for active babies, this soft cotton romper suit is comfortable and practical. A striped hat adds a cute finishing touch

Cashmilon™ Long Sleeve V-Neck Jumper, at Marks and Spencer
Supersoft cashmilon™ makes this outstanding value jumper feel so comfy to wear. A practical easycare style

3 Pairs of Easy Grip Socks, at M&S
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Ultimate Non Iron Pure Cotton Short Sleeve Check Shirt, at Marks and Spenser
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Pearl Delight Bracelet, at Marks and Spencer
Beaded design Charm detail Stretch bracelet

Adjustable Task Floor Lamp, at Marks & Spenser
Antique-effect brass finish Height adjustable between 147cm and 178cm H167 x Diam 37cm Frosted glass shade Bulb: E27 60W GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Styled Modal Rich Floral Padded Bra, at Marks & Spencer
Fresh and feminine, this feminine bra is made from a soft comfortable modal rich fabric. Soft padding and underwiring give support and an enhanced natural shape. Pretty everyday fashion

Compact Umbrella with Built In Light, at Mark & Spensers
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours and even has a built in light for those dark nights

Magic Loc Collection Corner Basket, at Marks&Spencer
Ultra-strong suction holders Stick to tiles, glass or stainless steel Stainless steel, Manufacturer: Marks & Spencer

Per Una Long Sleeve Riviera Cardigan, at Marks & Spencer
A sophisticated long sleeve cardigan in a soft fabric. Featuring a chiffon trim to give it the Per Una touch

Philips FlexCare Rechargeable Sonic Toothbrush, at Marks and Spencers
Smartimer: 2-min. timer helps to ensure recommended brushing Speed: 31,000 brush strokes per minute Battery type: Lithium Ion rechargeable battery Operating time (full to empty): Fully charged should provide 20 2-min. brushings Designed for a better fit with your mouth 3 Flexible brushing modes, 2 Personalized cleaning routines All-in-one sanitizing, charging and storing solution 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

Collezione Luxury Wool Rich Flannel Trousers with Cashmere, at Marks and Spencer
Superior fabric, exceptional tailoring and careful attention to detail make these trousers stand out as a stylish modern classic. They're made from luxurious fabric spun in one of Biella Italys world-renowned mills and crafted to the highest specification according to traditional Italian manufacturing methods

Pearl Effect Floral Stretch Bracelet, at M&S
Pearl effect and diamant detail Twin strand design Floral shape links Stretch style

Ashbourne Large 2 Seater Sofa AU09 Newness, at M+S
Manufacturer: Marks & Spencer

Tiga Side Table, at M&S
H45 x W46 x D46cm Cube design Made from sheesam wood Finished with a protective matt lacquer for added durability 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 this table as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

Pink and Sage Floral Duo Multipack of Cards, at Marks & Spencer
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 2 designs Approx size: 138 x 138mm

Plain Waist Slip, at Marks n Spencer
A practical fashion essential you can't do without! This cling resistant slip comes in a variety of lengths. It's a must-have for enhancing the look of your dresses and skirts, particularly those that look see-through under light

Sweet Bergamot Scented Pillar Candle, at Mark & Spencers
Sweet bergamot fragrance Flower detail Shallow wooden dish holder, Manufacturer: Marks & Spencer

Cotton Rich Scoop Neck Vest, at M+S
Stylish and practical, this sleeveless vest makes an ideal choice for everyday wear. The cotton fabric gives a comfortable flattering fit

Floral Short Sleeve Frill Blouse, at Marks and Spencers
A fabulous round open neck blouse featuring a ruffle front and floral detail. The tie belt make it extra stylish

Chunky Bead Stretch Bracelet, at M & S
Stretch bracelet Chunky bead design

Stripe Bedset, at Marks & Spensers
3 part set Stripe and star design Set includes single duvet cover, 1 pillowcase and a printed bag, Manufacturer: Marks & Spencer

Per Una Pure Cotton Corduroy Coat, at Marks & Spencer
A smart single breasted coat in pure soft cotton featuring notch lapel

Wool Blend Plain Tie, at Marks & Spencer
Add a smart finishing touch with this hardwearing plain wool mix tie

Red Pepper & Goat's Cheese Puff Pastry Tart, at Mark & Spencers
Serves 4-6 Ready to cook Suitable for vegetarians 400g As featured on page 21 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

2 Cotton Rich Lace Trim Vests, at Marks & Spencer
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.

Old School Sunglasses, at M & S
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

M&S Wi-Fi Portable Splashproof Internet Radio, at Marks & Spenser
Easy access to over 1100 internet radio stations from around the globe Rechargeable NiMH battery pack Media streaming of MP3/WMA/Real Audio files from mac or PC Podcast and 'listen again' service compatible Connect to internet via built-in Wi-Fi Splashproof for bathroom and garden use Mains or 6 hour internal battery power Firmware upgrades via internet AUX-IN for MP3 player connection Compact remote control Frequency ranges: 802.11b/g. Band III 174-240 Mhz FM 87.5-108.5 Wi-Fi audio files format support: MP3, WMA, Real Audio, WAV, AIFF, AU and AAC-MPEG 4 Speaker: full range 2'' neodymium drive unit, 6 watt class D amplifier Connectors: 3.5mm headphone, 3.5mm AUX IN Presets: 5 internet radio, 10 FM radio presets LCD display: 2 x 16 character LCD display Power supply: 240V AC to 12V DC external power adaptor Dimensions: H167 x W103 x 97mm 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

When you're shopping at Marks & Spencers 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 House Insurance and Car Insurance, there's a lot more going on at Marks & Spensers 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."