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 and Spenser are so useful. M+S 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 M+S 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 M+S Money House Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks & Spencer 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 House Insurance and Car 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 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."

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 House 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 House 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.

Adored Floral Embroidered Shorts, at Marks and Spencer
Elegant and stylish, these embroidered shorts are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The low leg style gives a modern shapely fit. Feminine everyday lingerie

Green Floral Quilted Bedcover, at Marks and Spenser
Quilted design Floral embroiderey, Manufacturer: Marks & Spencer

Ivory Leather Large Wedding Photograph Album, at M&S
Contains: 1 album, 500 glue dots, Gift box, 700Mb CD-R Album: H290 x W290 x D45mm Box: H295 x W295 x D55mm

Formula One 2008 Season Review DVD, at Marks & Spencer
Rating Universal, suitable for all,

Limited Collection Turn-Up Cropped Trousers, at Mark's & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Autograph Hotel Collection Reversible Bathmat, at Marks & Spensers
Plain Dimensions: L100 x W60cm, Manufacturer: Marks & Spencer

2" Longer Autograph Pure Cotton Multi Stripe Shirt, at Marks n Spencer
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

Autograph Bootleg Trousers, at Marks and Spencers
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Photo Party Shoes Birthday Card, at MarksandSpencer
Cover text: Get your party shoes on! Inside message: Blank for your own message Approx size: 150 x 150mm

M&S 1.5m High Performance Gold HDMI Cable, at Marks and Spencers
1.5 metre cable 24 carat gold connections Titanium-plated plugs Multiple shielding for minimum interference Suitable for high definition devices 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

Fairy Activity Magic, at M & S
She can read all about fairies and then create stories of her own with this bright and fun fairy activity pack

Leather Bin, at Marks & Spencers
Elegant waste bin Simple design suits most settings 30.8 x 23.5 x 31cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Floral Spot Embroidered Blouse, at Marks & Spencer
A delicate embroidered blouse in pure soft cotton, the button detail gives it the Per Una touch

2 Piece Pure Cotton Stripe Polo Neck Outfit, at Marks & Spencers
Fun and practical, this cute 2-piece outfit features a "4" motif. It's made from soft cotton to keep him comfy

Stain Defence™ Buckle Detail Pleated Skirt, at Marks & Spenser
Smart and stylish, this fashionable skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit. It's non-iron and easycare for convenience

Per Una Body Spray, at Marks & Spenser
100ml This product is not available for international delivery. Find out more

Bad Hair Day Dog Sister Card, at Marks & Spensers
Cover text: Never mind, Sister, we all have bad hair days! Inside message: Blank for your own message Approx size: 178 x 126mm

Stripe Zip-Up Fleece Jacket, at Marks & Spenser
An essential part of any wardrobe, this great value zip-up fleece is warm and cosy. A fashionable and practical choice

2 Older Boys' Pure Cotton Gorilla Pyjamas, at Marks & Spensers
Soft and comfy, this 2-pack of pure cotton pyjamas features monkey motifs

Autograph Pure Cotton Double Stripe Polo Shirt, at Marks and Spencer
Casual and contemporary, this pure cotton double stripe polo shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Per Una Styled Modal Rich Floral Padded Bra, at Marks and 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

Pure Cotton Morroco Maxi Dress with Bag, at M&S
Fun and casual, this easywear dress feels so comfy to wear. Bead detail keeps the look fabulously fashionable

Blue Harbour Pure Cotton Block Stripe Polo Shirt, at M&S
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Sony Ericsson T303 - Orange Pay as you talk Mobile Phone, at Marks & Spencer
A maximum of 2 phones per customer may be purchased Talk time: Up to 9 hours Stand-by time: Up to 16 days Dimensions: 8.3 x 4.7 x 1.5cm Weight: 93g Screen: 128 x 160 pixel resolution, 65,536 LCD colours Camera: 1.3 megapixel Messaging: SMS and MMS - Combine image, video, text and voice clips and send an MMS to a compatible phone or PC Orange Pay as you Go: Your mobile service provider will be Orange. An Orange SIM card is included with this handset Memory: 8MB Radio: Save your favourite channels as presets Music player: Plays multiple audio formats including MP3, AAC, AAC+, e-AAC+ and WMA

Portfolio Pure Cotton Broderie Tunic, at Mark's & Spencer
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

Spot Fishnet Tights, at Marks and Spenser
Add a stylish touch of chic with this head-turning spot fishnet design

Plain Slip-On Basic Mules, at Marks and Spencers
Relax in style and comfort in these soft mule slippers. Machine washable for added convenience

Lightweight Fleece Dressing Gown, at Marks and Spencer
Relax in style and comfort in this cosy dressing gown made from soft fleece

Autograph Light Control Multiway Lace Basque, at Marks and Spencer
Look slimmer in seconds! This light control body gently shapes your figure all over for a smoother, sleeker silhouette. The versatile multiway style can be worn strapless, halterneck, cross back or one-shoulder. Beautiful exclusive lingerie

Autograph Double Button Straight Leg Trousers, at Marks and Spencers
Luxurious and elegant, these smartly tailored straight leg trousers are part of our exclusive Autograph range

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