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

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

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

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

Besides Marks and Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Finance Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Light Up Mirror Compartment, at Mark & Spensers
Prop up compartment Internal double mirror Square shape

Seville Antique Brass Double Towel Rail, at Marks & Spensers
Double rail Wall mounted H13.7 x W51.58 x D18.17cm, Manufacturer: Marks & Spencer

AUTO DELIVERY - MCS FEB INTRO RED, at Mark's & Spencer
This product is not available for international delivery. Find out more

Edwardian Lady Slim Diary, at Mark & Spensers
The Country Diary of an Edwardian Lady Rowena Scott (Designs) Ltd RW.UK. Ltd 2008. Licensed by opyrights Group Approx size: 80 x 165mm

4 Aurora Soup Spoons, at Marks and Spencers
4-piece set 18/10 stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Dualit Espressivo Coffee Machine - Cream, at Marks and Spencers
Self priming 15 BAR pressure pump Ready to go in less than 40 seconds Thermobloc (water-heating on demand) Instant hot water and constant steam 1.5L removable water tank Easy froth nozzle makes perfect foam Dualit quality stainless steel and cast aluminium body Extra cup height clearance - fits mug size Large cup warming plate Pop-up drip tray full indicator Three coffee options: single serve, dual serve and ESE pod Accessory holder keeps pods and froth nozzle to hand Dimensions: 20.5 x 28.5 x 32.5cm Weight: 5.81kg This product is not available for international delivery. Find out more

Pure Cotton Short Sleeve Embroidered Bib Top, at M&S
This short sleeve top will make a useful addition to your wardrobe. It features pretty embroidered bib detail for a stylish casual look

Valentine's Day Luxury Wrap Pack, at Mark's & Spencer
Contains: 1 sheet of wrapping paper and 1 gift tag Approx size: Wrap: 685 x 980mm, Tag: 65 x 75mm

Supima® Pure Cotton Non-Iron Plain Flat Sheet, at M & S
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel 180 thread count Single: W178 x L260cm Double: W228x L260cm 5ft (Queen): W275cm x L275cm 6ft (King): W310 x L275cm Depth 25cm, Manufacturer: Marks & Spencer

Radcot Bedstead, at Marks & Spensers
Headboard H106cm Endboard H80cm Dbl L200 x W158.5cm 5ft L210 x W173.5cm 6ft L210 x W203.5cm Made from solid oak Sprung slats to ensure support and comfort Mattress sold separately 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

Portfolio Cotton Rich Cropped Trousers, at MarksandSpencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Panasonic 32'' TX-L32X10 HD LCD TV, at Mark & Spensers
Display: 32 inch LCD screen, 1,049,088 (1,366 x 768) pixels Dynamic contrast ratio: 15,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W798 x H551 x D217 mm (with stand), W798 x H510 x D93 mm (without stand) Weight: 13kg with stand V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3x HDMI, S-video input, component video input, PC input and 1 x headphone jack VIERA V-Real 4: Delivers images of mesmerising beauty. This superb picture technology enables you to see all the grand detail of fast moving onscreen images, so you never miss a moment of an action movie or sporting event! 24p Playback: High speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Sony RDR-HXD890 HDD DVD Recorder, at Marks n Spencer
Memory 160GB capacity for a max recording of 455 hours (23 in HQ+ recording mode) onto the Hard Disk Drive Integrated Digital & Analogue Tuner: Provides access to all Freeview™ terrestrial digital channels, analogue channels and radio stations (subject to coverage in your area) HD Upscaling: Creates HD images from a non-HD source Region Code: Region 2 Pause Live TV: Pause live TV and press play whenever you're ready Series Link: With the touch of a button your recorder will automatically record all episodes of your favourite series and you will not miss anything during the season x-Pict Story: An enhanced Photo Slide Show feature which enables you to frame your photos with the appropriate look and feel through sound and transition effects, which can then be burnt to DVD USB Ports: 2 USB ports allow connection to PictBridge™ compatible printer, digital camera or other USB storage devices HDD Cam Connection: Record your memories onto the Hard Disk Drive and choose between different modes Digital Music Jukebox: Store and enjoy up to 999 of your favourite songs Connectors: HDMI, 2 x USB, S-Video Output, Composite Video Output, Digital Audio Output, S-Video, 2 Scart, G-link Dimensions: H7.5 x W43 x D29cm 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial

Cotton Rich Towelling Dressing Gown, at Marks n Spencer
Soft, comfortable and snag-resistant, this cotton rich dressing gown is ideal for wearing over pyjamas or after a bath

Single Sprung-edge Divan with 1 Small + 1 Large Drawer & M100 Mattress, at Marks and Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 21cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Big & Tall Single Pleat Trousers, at M+S
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

North Coast Pure Cotton Bootleg Jeans with Belt, at M+S
Relaxed and comfortable, these bootleg jeans give a fashionable casual look

Portfolio Multi Strand Faux Pearl Necklace, at Marks and Spencer
Clasp fastening Adjustable length Multi strand Faux pearl design Necklace length: 41cm, extendable by 8cm

Pure Linen Pleated Sleeve Top, at Marks and Spencer
This fab scoop neck top features a pleated sleeve design. A sophisticated new look, perfect for this season

Knee Length Belted Pleated Skirt, at Marks and Spencer
Elegant and feminine this knee length pleated skirt makes a fashionable, flattering choice. Get the latest look

5 Cool & Fresh Cotton Rich Assorted Slips, at Marks & Spencer
Made from soft breathable stretch cotton, these comfy slips are ideal for everyday wear.

Freshfeet Quilt Lined Mule Slippers, at Mark's & Spencer
Round toe Quilt lined Flat sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Gold Effect Regal Twist Necklace, at Marks & Spenser
Twist design Lobster claw fastening Gold effect Necklace length 46cm, extendable by 5cm This product is not available for international delivery. Find out more

Single Breasted Water Repellent Mac, at Marks n Spencer
Fashionable and practical, the mid calf length mac is a wardrobe essential this season. This version in a water resistant easycare fabric features a modern buckle belt

Draping Wisteria Embroidered Cushion, at Marks & Spencer
Rectangular shape Floral embroidery, Manufacturer: Marks & Spencer

Tupungato Chardonnay 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Woven Silk Stripe Tie, at M&S
Add a luxurious finishing touch with this smart stripe tie in pure silk

Monaco Collection - Chrome Table Lamp, at Marks n Spencer
Organza Shade Glass droplet detail Chrome Base Dimensions: H50 x Diam 25cm Bulb: 60W ES or 11W CFL, Manufacturer: Marks & Spencer

Halterneck 3 Ring Tankini Top, at Mark & Spencers
Feminine and glamorous, this fashionable tankini top features a centre ring detail. A fabulous fashionable look

Woodspice For Men Anti-Perspirant Deodorant, at M&S
Anti-perspirant Woodspice fragrance 200ml This product is not available for international delivery. Find out more

There are lots of ways to save money using M&S Finance. Not least of these is Marks and Spenser Standard Car Insurance. With M&S Finance you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from M&S Financial Services, you get more, and you pay less.