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 n 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer Standard Car Insurance. With M&S Money 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 Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from MarksandSpencer, 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 Money, you get more, and you pay less.

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Car Insurance, but Mark's & 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 Marks & Spencers Money 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 House 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 (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.

Laska Sink, at Mark's & Spencer
H18 x W45 x D45cm Sink only Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Travel Stamp Swim Shorts, at Marks and Spenser
Colourful and modern, these drawstring shorts fit comfortably and securely. A practical and stylish choice

5 Pure Cotton Plain Midi Knickers, at Marks & Spensers
Made from pure natural cotton, these plain briefs are cool, comfortable, breathable and perfect for everyday wear

Rochaille Twist Earrings, at Marks and Spencer
Cluster rochaille bead design Twist style Clip on

Per Una 3/4 Sleeve Knitted Top, at Marks & Spencers
Comes with the neckalce shownA fashionable 3/4 sleeve knitted top featuring lace trim

Château de Clairefont Margaux 2005 - Case of 6, at Marks & Spencer
Style: Full Bodied Grape variety: Cabernet Sauvignon, Merlot & Petit Verdot Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Silk Rich Pleated Shorts, at Marks and Spencer
Elegant and feminine, these flattering shorts are made from luxurious stretch silk. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Per Una Pure Cotton Stripe A-Line Skirt, at Marks & Spencers
A colourful knee length skirt in pure soft cotton with a stripe design making it extra stylish

Handcrafted Photographic Anthony Bear Mother's Day Card, at Marks and Spencer
Cover text: To the Best Mum in the World! Inside message: Have the Best Mother's Day Ever! Approx size: Unfolded: 150 x 150mm

Autograph Weekend Water Repellent Funnel Neck Parka, at Marks & Spensers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Per Una Cotton Rich Cropped Trousers, at Marks and Spencer
A fashionable cropped pair of trousers in soft cotton rich fabric featuring an on the waist design. Comes with belt shown in the photograph

Lightweight Animal Print Scarf, at MarksandSpencer
Add a fashionable finishing touch to your look with this elegant animal print scarf. The perfect accessory to this season's styles

Younger Boys' Cotton Rich Football Shorties, at Marks and Spencers
Made from comfortable, breathable cotton, these football shorties are outstanding value

Silver Celebration Cake, at Marks & Spenser
36 portions Fruit cake: Vine fruits, nuts and cherries laced with brandy. Cake weight 2.7kg. Fruitcakes can be eaten up to 14 days after collection Sponge cake: All-butter sponge filled with buttercream and raspberry jam. Cake weight 1.7Kg. Sponge cakes can be eaten up to 5 days after collection Cake size: 20.5cm square Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 in the food to order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Per Una Tab Front Knee Length Dress, at MarksandSpencer
A fabulous knee length dress featuring tie cuff details

Per Una Small Square Hooded Jacket, at M&S
A warm hooded jacket in soft fabric featuring water repellent finish

Yellow Car Good Luck Card, at Marks & Spencers
Cover text: Good luck Inside message: Best of wishes and luck now and always This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Floral Fine Art Multipack of Mini Cards, at Marks and Spencer
Pack contains: 8 cards, 4 designs Cover text: All cards are blank Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 95 x 80mm

Barbecue Mitt, at Marks & Spenser
Hanging loop Stripe design Approx size: 38 x 18cm, Manufacturer: Marks & Spencer

Hamilton 2-Seater Sofa, at Marks & Spencer
50% reduction on Dakota Leather Espresso applied 21 May - 1 June 2009. 30% reduction on all fabrics applied 9 April - 20 May 2009. Higher prices applied between at least 25 February - 8 April 2009. H95 x W202 x D99cm Seat H49cm, arm H66cm, top back rail H73cm (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 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 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 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

Pure Cotton Denim Shorts, at Marks n Spencer
Practical and fashionable, these relaxed denim shorts make a great choice for warmer weather

Cotton Rich Embroidered Animal Top & Dungaree Set, at M&S
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value top and dungaree set is designed to keep baby looking adorable and feeling comfy and happy

40 Denier Opaque Tights, at Marks and Spenser
Easy to wear, easy to wash, easy to choose. This great value pack of tights will make getting dressed in the morning easy as pie, time and time again

Woodland Interactive Snail, at Marks & Spencers
Contains a small oval plastic mirror under the flap on the shell A pocket on the reverse of the shell which contains 3 coloured, embroidered leaves which can be removed from the pocket Two softened plastic teethers attached to the tail of the snail by a satin ribbon loop Includes a blue and green butterfly attached via a cord to the top of the shell. When pulled, the cord will extend to a maximum length of 115mm before being automatically retracted into a mechanism in the top of the shell. This mechanism vibrates Double lined for safety Suitable from birth Approximate overall dimensions W325 H230 D120mm This product conforms to EN71 toy safety regulation, Manufacturer: Marks & Spencer

Autograph Wool Rich Slim Suit Trousers, at Marks and Spencers
These slim fit trousers are cut closer for a cleaner sharper silhouette. Designed in a contemporary style, they give a longer, leaner appearance and a flattering fit. These hardwearing wool rich trousers are ideal for sixth form wear

Bling Style Sunglasses, at Marks and Spencers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

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

The Cotton Collection Cotton Stripe Bath Foam & Body Cream, at Marks and Spenser
PH balanced bath foam: 150ml Body cream: 75ml Moisturising body cream

Adored Modal Blend Minishirt, at Marks and Spencer
Stylish and elegant, this flattering nightdress is part of our feminine Adored collection. It's made from a soft modal blend for the ultimate in comfort

Pirramimma Old Bush Vine Grenache 2004 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Grenache (Garnacha) Country of origin: Australia Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product 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 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 Spenser 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."