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

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser 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 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 Mark's & 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.

Besides Marks & Spencers Car Insurance, M+S Money Credit Cards and other financial products, M+S Money 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 Money 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 & Spencer purchases are also protected while you take them home.

Also, on both M+S Money 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.

Pure Cotton Floral Print Jersey Top, at Marks and Spencer
This short sleeved top will make a useful addition to your wardrobe. It features pretty floral print for a stylish casual look

Victoria Sunglasses, at Marks & Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

3 Pairs of Younger Boys' Cotton Rich Assorted Socks, at Marks and Spenser
Brighten up his underwear drawer with these fashionable assorted design socks

Taste of Chile - Case of 12, at Marks and Spencer
4 Los Nucos-Shiraz Cabernet Ros2007: A seriously fruity Chilean Ros, packed with berry flavours... 4 Los Nucos Chardonnay 2007: A vibrantly fruity and fresh Chilean chardonnay... 4 Los Nucos Cabernet Sauvignon 2006: A soft, slightly spicy Chilean red, easy-drinking in style... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Turn-Up Sleeve Number Shirt, at Marks and Spencers
Smart and modern, this shirt in soft cotton features turn-up sleeves and assorted numbers detail. A practical easycare style

Sterling Silver Double Oval Earrings, at Marks and Spencer
Hook fastening Double oval design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Medium Elephant Soft Toy, at Marks & Spencer
Suitable for ages 0-3yrs H25cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Fluffy Cardigan with Wool, at M&S
A fashionable 3/4 sleeve fluffy cardigan in textured fabric. Assorted buttons make it extra stylish

2 Fairtrade Organic Cotton Elephant All-in-One Suits with Socks, at Marks & Spenser
These cute all-in-ones are made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Stainless Steel Food Timer, at Mark & Spensers
Twist setting timer, Manufacturer: Marks & Spencer

Infusion Contemporary Fragrance 90ml, at Marks & Spenser
An exotic floral fragrance 90ml eau de toilette spray This product is not available for international delivery. Find out more

Multipurpose Suede Brush, at Marks and Spenser
Multipurpose suede brush, ideal for use on medium weight suede

12 Mini Beef Wellingtons, at Marks & Spencers
Contains 12 pieces Serves 12 Ready to cook Suitable for freezing 220g As featured on page 12 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

Birthday Gift Card, at Marks & Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Little Acorns Large Gift Bag, at Marks & Spencer
Contains: 1 gift bag H420 x W305 x D150mm

Maternity Drawstring Tunic, at Mark & Spensers
Fashionable and modern, this scoop neck tunic is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Bold Spot Eyelet Curtains, at Marks and Spencer
Bold spot design Eyelets Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Sparkling Rosé - Case of 6, at Marks and Spencers
2 Rosado Cava Prestige Brut: Elegantly dry with a soft yet full flavour of summer fruits, clean and fresh with a good length... 2 Prosecco Raboso: A delightfully fresh and frothy Italian sparkling wine, with an appealing elegant pink colour, and fruity character of pears and cherry drops... 2 Bluff Hill Sparkling Ros: A lively, fruity, premium sparkling wine from New Zealand. Its sunny modern character really shines out... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Green Floral Pillowcase, at M+S
Floral embroidered design Contrast layered frill trim Fits standard pillows, Manufacturer: Marks & Spencer

Floral Diamanté Centre Ring, at M & S
Floral design Diamant centre

El Tidon Sauvignon Blanc 2008 - Case of 12, at Mark & Spencers
Grape Variety: 100% Sauvignon Blanc Country of origin: Spain Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Classic Collection Sleeveless Embroidered Nightdress, at Mark & Spensers
Flattering and stylish, this nightdress is comfortable to sleep in and features a pretty floral embroidered design

My First Wood Hammer & Pegs, at Marks & Spencer
Suitable for ages 0-3 years Includes wood side panel, wood bench, plastic rings, pegs and beater This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

12 Cup Bun Tray, at Marks & Spensers
Ideal for baking buns Heavy gauge easy to clean bakeware Premium non-stick coating, Manufacturer: Marks & Spencer

Ceriso Lace Trim Animal Print Padded Bra, at MarksandSpencer
Sassy and glamorous, this modern bra is beautifully detailed with an animal print and lace trim. Soft padding and underwiring give great support and a flattering enhanced flattering shape. Designed for women who want the latest look

Natural Beauty Moisturising Lip Butter, at Marks & Spencer
Naturally flavoured Free from all PEGs, synthetic preservatives and colours 15ml

Shape Sorter Ladybug, at Marks & Spencer
Pull-along cord Spot design Multicolour blocks Suitable for ages 0-3yrs This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Pure Silk Plain Bow Tie & Cummerbund, at Marks & Spencer
Stylish and sophisticated, this luxurious pure silk set adds an elegant finishing touch

Peppa Pig Wipe-Clean Game Book, at Marks & Spencers
Have hours of wipe-clean fun in this Peppa Pig game book. The pages can be wiped clean so you can play each game again and again

Knee Length Belted Panel Skirt, at Mark's & Spencer
Fashionable and contemporary, this panelled skirt makes a fashionable, flattering choice. A glamorous modern style

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Marks & Spenser 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 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 Property 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 (Property 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 Mark's & Spencer insurance products in document format too.