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 Money financial products are, of course, designed to make Marks & Spensers 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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

Whether you're looking for savings products or M+S Money loans, credit cards or Household Insurance - besides a number of other insurance products, M+S Money 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 Money insurance products (Household 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 Mark & Spensers insurance products in document format too.

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 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 Household 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 Household 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.

3 Pack Easycare Long Sleeve Shirts, at Marks and Spenser
Smart and stylish, this pack of 3 long sleeve easycare shirts is great value. An ideal choice for everyday wear

Handcrafted Tea Cups Mother's Day Card, at Marks & Spensers
Cover Text: Take it easy on Mother's Day! Inside Message: With lots of love Approx size: 178 x 126mm

Assorted Stripe Mug, at Marks & Spenser
Assorted stripe, Manufacturer: Marks & Spencer

4 Maxim Champagne Flutes, at M & S
Set of 4 Long stem, Manufacturer: Marks & Spencer

5 Pure Cotton Plain Boxers, at Marks & Spencer
Comfortable, practical and fashionable, this 5 pack of boxers is made with soft breathable cotton

Easycare Long Sleeve Shirt, at Marks & Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

5 Pairs of 15 Denier Sheer Matt Knee Highs, at Marks and Spencer
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top is designed to keep them in place without leaving marks

Pure Cotton Long Sleeve Hooded Ireland Top, at Marks n Spencer
Relaxed and comfortable, this fashionable long sleeve hooded top is made from soft cotton and features an embroidered Ireland motif. A practical easycare style

Sony Bravia 46'' KDL-46V5500 HD Ready LCD TV, at Marks and Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 46 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 60000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W112.3 x H77.1 x D33cm, without table stand: W112.3 x H72.3 x D9.6cm Weight: weight inc. stand 27kg, weight without stand 23.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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: 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 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 Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Relaxed Pure Cotton V-Neck Pyjama T-Shirt, at Marks and Spenser
Soft and comfortable, this cotton pyjama t-shirt can be worn with a number of our pyjama bottoms and shorts to create your own style

5 Pairs of Younger Girls' Assorted Design Socks, at MarksandSpencer
Stock up on stylish essentials with this pack of 5 heart and stripe argyle socks

5 Seam Free Low Rise Shorts, at MarksandSpencer
Embrace flattering everyday comfort with the low leg cut and easy to care for fabric of these great value shorts. A fantastic addition to your underwear drawer

Older Boys' Cotton Rich Motor Hero Shorties, at Marks & Spencers
Made from comfortable, breathable cotton, these motor hero shorties are outstanding value

Marble Swirl-Effect Candy Floss Bowl, at Marks and Spenser
Swirl effect Opaque design Round shape Soda glass H5.5 x Diam29cm Weight: 0.95kg, Manufacturer: Marks & Spencer

Gold Plated Multi Strand Necklace, at Marks and Spencer
Adjustable length Clasp fastening Multi strand design Necklace lengths: 1st strand 39cm, 2nd strand 42cm, 3rd strand 44cm, extendable by 8cm

Laser Cut Letters 40th Birthday Large Card, at Marks and Spenser
Approx. size: 220 x 220mm Cover text: Congratulations you're 40 Inside message: Blank for your own message

Harvard Aftershave, at Marks and Spencer
100ml This product is not available for international delivery. Find out more

Seville Antique Brass Toilet Roll Holder, at M&S
Wall mounted H6 x W18 x L11cm, Manufacturer: Marks & Spencer

Grandson Star Birthday Card, at Marks and Spencer
Cover text: Brilliant, Grandson, Smashing, Fabulous, Splendid Inside message: Happy Birthday Approx size: 150 x 150mm

A Bug's Life DVD, at Marks and Spencer
Rating Universal, suitable for all,

Chambolle Musigny Cru Les Fuées 2004 - Case of 6, at Mark's & Spencer
Style: Medium bodied Grape variety: Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

2 Pairs of Younger Girls' Cotton Rich Stripe & Heart Socks, at Marks and Spencer
Cute and comfy, these soft cotton rich socks feature stripe and heart design

Yalumba Australian Shiraz 2008 - Case of 12, at Marks and Spencer
Style: Full bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap 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

Small Spencer Bear, at Marks and Spencers
Suitable for ages 12 months + Traditional teddy bear Contrast paw pads This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Panasonic Lumix DMC-FX550 Digital Camera, at M&S
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Screen: 3.0" TFT Touch Screen LCD Display (230K dots) / Field of View : approx. 100%, Wide Viewing Angle / AUTO Power LCD mode, Power LCD mode ISO: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: 9.4 x 5.7 x 2.1cm Weight: Approx. 167g (with Battery and SD Memory Card), Approx. 145g (without) Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV

Autograph Leather Faux Fur Shoulder Bag, at Marks and Spencer
Luxurious and beautiful, this faux fur leather handbag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Pink Sentiment Daughter Birthday Card, at Marks and Spenser
Cover text: A Daughter is the sweetest gift a lifetime can provide Inside message: A blessing and a constant source of happiness and pride Approx size: Unfolded: 150 x 215mm

In Bloom Honeysuckle & Jasmine Moisture Rich Body Wash, at Marks & Spencers
Body wash Moisturising 225ml This product is not available for international delivery. Find out more

Cats Desk Calendar, at Marks & Spencer
3D effect Dimensions: 155 x 180mm

M&S Breadmaker, at Marks & Spensers
Loaf size 500 - 750g 600 watt Large LCD display with backlight Adjustable crust control: light, medium and dark 13 hour programmable delay timer 60 minutes keep warm function 12 digital program menus Non-slip feet Stainless steel Dishwasher safe, non-stick bread pan & kneading blades Dimensions: H29 x W34 x D31cm 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

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 n 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 & Spencer, through its M+S 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 Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.