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 n Spencer are so useful. M+S Money financial products are, of course, designed to make Mark & 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, 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.

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.

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 and Spencers 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 and Spenser, 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 Car Insurance, M&S House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Autograph Pure Cotton 3 Piece Tank Top Outfit, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Limited Collection Rio Cluster Pendant Necklace, at Marks&Spencer
Clasp fastening Adjustable length Rio cluster pendant Necklace length 84cm, extendable by 8cm

Snake Band Halterneck Bikini Top, at Marks and Spenser
Modern and stylish, this flattering bikini is designed in the latest shape. The ultimate in poolside glamour

Official ECB Pure Cotton Jersey Shorts, at Marks & Spencer
Young cricket fans can show their support in these official shorts, featuring contrast trims and the England Cricket logo. A comfortable, easycare style in stretchy cotton jersey

Samsung J700 - Orange Pay as you Go Mobile Phone, at Marks and Spenser
Talk Time: Up to 3 hours Stand-by: Up to 250 hours Screen: 128 x 160 pixel resolution, 65,536 LCD colours, 2 inch Ringtones: 64 Polyphonic and MP3 ringtones Camera: 1.3 megapixel Dimensions: H9.9 x W4.8 x D1.4cm Weight: 92g 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: Up to 10MB internal memory, MicroSD card slot Video player: Watch MP4 videos Music player: Music player with dedicated play/pause button. Plays multiple audio formats including MP3, AAC, AAC+, e-AAC+ and WMA Radio: Listen to FM radio 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

Chateau Richemont Red 2005 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: 70% Merlot and 30% Cabernet franc Country of origin: France 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

Charlotte Armchair AU09 Newness, at Marks and Spencer
Manufacturer: Marks & Spencer

Open Toe Floral Slippers, at Marks & Spencer
Relax in style in these comfortable, hardwearing open toe slippers featuring a flower design and flat sole. Machine washable for added convenience

Limited Collection Rio Cluster Pendant Necklace, at M & S
Clasp fastening Adjustable length Rio cluster pendant Necklace length 84cm, extendable by 8cm

Pure Merino Wool Mock Layer Jumper, at Marks & Spensers
Smart and stylish, this mock layer jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

RealCool Cotton™ Active Performance T-Shirt, at Marks & Spencer
Ideal for active wear, this RealCool Cotton™ t-shirt is made from high-performance breathable stretch fabric. It's designed in the latest style for a great fit and ease of movement

Butterfly Photo Frame 13 x 18 cm (5 x 7''), at Marks and Spencer
Rectangle shape Butterfly feature Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Limited Collection Ruched Ankle Boots, at Mark's & Spencer
Pointed toe Ruched detail Stitch detail Side zip fastening Mid heel Heel height: 44mm Comes in sizes 3-8, including half sizes

Autograph Pure Silk Stripe Tie, at M & S
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Little Me Crafts Pack, at Marks & Spencers
Creative kids will love this fun crafts pack with 15 crafts to make, decorate and share

Bold Spot Print Hipster Bikini Bottoms, at Marks & Spenser
Modern and stylish, these bikini bottoms are outstanding value. Style and quality at a great price

5 Pure Cotton Assorted Monster Bodysuits, at Mark & Spensers
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines makes quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

Contemporary Footglove™ Wide Fit Leather Trouser Shoes, at Marks & Spencer
Round toe Stitch detail Gusset feature Slip on Mid heel Heel height: 52mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Younger Girls' Dora Swim Bag, at Marks and Spencer
Fashionable and practical, this swim bag features drawstring fastening. It's easy to carry and there's lots of room for all the essentials

Pure Cotton Ombre Check Pyjamas, at Marks & Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

First Readers Rumpelstiltskin book, at Marks & Spencer
The miller's daughter is helped by Rumplestiltskin to spin the straw in the castle to gold, but what does Rumplestiltskin want from her?

Abbot Chair, at Marks & Spensers
H78 x W76 x D78cm Seat H43cm, arm H71cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 with a medium dark finish All of our fabrics are treated with Stain-Defence& trade; - 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

Autograph Pure Cotton Long Sleeve Twill Stripe Shirt, at M&S
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail makes it a superior and stylish modern classic

Stain Defence™ & Stormwear™ Pleated School Skirt, at Marks & Spencers
This innovative skirt is treated with Stain Defence™ and Stormwear™ finishes which help repel water and everyday stains. The adjustable waist gives a perfectly comfortable fit for longer. Permanent pleats keep it looking smart

Fern Embroidered Bedset, at Marks and Spenser
Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in)and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Meadow Print Shade, at Mark's & Spencer
Meadow print D30 x H22cm, Manufacturer: Marks & Spencer

Philips HP6335 Double Contour Ladyshave, at M+S
Fast and efficient shaving: Twin-head for light shave of even the toughest hairs Adjusts to every body curve: Floating shaving head follows your body curves Smooth shave with aloe vera Washable shaving head Rechargeable Accessories: cleaning brush, charging stand and bikini trim attachments

Lochmuir™ Salmon & Prawn en Croute, at Marks & Spencer
Serves 6 Ready to cook Suitable for freezing 1kg As featured on page 39 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

Per Una Essentials Seersucker Underwired Bra, at Marks & Spenser
Feminine and delicate, this stylish bra is made from soft textured fabric and features a lace trim. It's underwired and structured for great support and an enhanced natural shape. Pretty everyday fashion

3 Cotton Rich Plain Sports T-Shirts, at Marks & Spencers
Ideal for PE, this great value 3-pack of t-shirts is made from pure natural cotton trimmed with stretch ribbing

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