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 M&S are so useful. Marks & Spencers 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Marks & Spencers Money Buildings & Contents 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 Marks & Spencers Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks and Spencer 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers 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."

Besides Marks n Spencer Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings & Contents 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 Marks & Spencers 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 and Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.

Valmont White 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: 50% Vermentino, 30% Chenin Blanc and 20% Sauvignon Blanc Country of origin: France Closure: Screw cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Shoe Collection Birthday Card, at Marks & Spenser
Cover text: Party shoes, favourite shoes, flip flops, sparkly shoes, dancing shoes, holiday shoes, Put on your party shoes... Inside message: ...and have a fabulous birthday! Approx size: 215 x 150mm

Gingerbread Print Reversible Bedset, at Marks & Spencers
Gingerbread print Reversible Set includes single duvet cover and pillow case Duvet cover: L198 x W137cm Pillowcase: L76 x W48cm, Manufacturer: Marks & Spencer

Large Tie Hanger, at Marks & Spencer
Keep your ties smartly stored with this large tie hanger. An essential part of any gentleman's wardrobe

Kapersky Internet Security 2009 1 User 1 Year License, at Marks&Spencer
Extended Protection: Two-way personal firewall; secure Wi-Fi and VPN connections, Application rules configured automatically, Security rating assigned to unknown applications, Access to users resources and data is restricted for unknown applications, Improved antispam protection Content Filtering: Parental control Data & Identity Theft Protection: Virtual keyboard for safe entry of logins and passwords, Prevents theft of data exchanged via secure connections (HTTPS / SSL), Disables links to phishing websites Essential Protection: Protects from viruses, Trojans and worms, Protects from spyware and adware, Scans files, email messages and Internet traffic, Protects instant messengers (ICQ, MSN), Proactive protection from unknown threats Preventive Protection: Scans operating system and installed applications for vulnerabilities, Disables links to malware sites Usability: Automatic configuration, Wizards for common tasks, Automatic or interactive mode, Round-the-clock technical support, Automatic database updates, Global threat monitoring (Kaspersky Security Network) Advanced Protection & Recovery: Program can be installed on infected computers, Self-protection from malware, Restores correct system settings after removing malicious software Suitable for 1 user for 1 year

Chocolate Stars & Numbers Birthday Cake, at Marks and Spencers
25 portions Chocolate cake: a rich chocolate cake filled with milk chocolate ganache. Chocolate cakes can be eaten up to 5 days after collection Cake Diam 22.5cm 1.6kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of 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 Pure Cotton Straight Leg Trousers, at Marks and Spencer
A fabulous pair of straight leg trousers in pure soft cotton featuring resin trim

Wool Rich Single Breasted 2 Button Puptooth Jacket with Silk, at M&S
Luxurious and stylish, this single breasted jacket is made from superior wool fabric with silk

Pure Cotton Short Sleeve Thomas & Friends© T-Shirt, at M&S
Fans of Thomas & Friends will love this cotton t-shirt featuring Thomas. A practical, easycare style

Autograph Pure Cotton Stripe Jumper with Hat, at M&S
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

Laser Cut Happy Birthday Text, at M+S
Cover text: Happy Birthday Inside message: Happy Birthday Approx size: 150 x 150mm

Lucy Mannequin Jewellery Holder, at Marks and Spenser
Mannequin design Multiple hooks Height 18"

Autograph Diagonal Stripe Tie, at MarksandSpencer
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

Mirror Blocks Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencer
Rectangular frame Mirror blocks design Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Autograph Pure Cotton Plain Stripe Dobby Shirt, at Marks & Spenser
Comfortable and versatile, this cotton long sleeve shirt is a classic style, perfect for smart dressing

Autograph Pure Silk Floral Pattern Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Autograph Wool Rich Stripe Waistcoat, at Mark & Spensers
This finely tailored waistcoat adds a touch of refinement to your formal wear

Crossover Mules, at Marks & Spenser
Round toe Flat

Per Una Pure Cotton Floral Print Minishirt, at Marks & Spencer
Modern and feminine, this pretty floral print minishirt features a frill trim. It's made from cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Limited Edition Assorted Stacker Bangles, at Marks & Spensers
5 bangles Assorted design Slide on

Sunny Town Police Station, at Marks & Spencers
With 2 realistic sounds Sounds located on the desk and the doorway Promotes imaginative play Suitable for ages 12 + months Contains 3 x LR44 button cell batteries 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 conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Limited Collection Bow Detail Court Shoes, at Marks & Spencers
Pointed toe Bow detail Slip on Court style High heel Heel hieght: 104mm Comes in sizes 3-8, including half sizes

Knee Length Belted Skater Skirt, at Marks & Spensers
Comes with belt shown in image Fashionable and contemporary, this panelled skirt skirt is a stylish, versatile choice. Patent buckle belt adds a stylish finishing touch

Pure Cotton Cubes Towels, at Marks and Spencer
Cubes design Plain, Manufacturer: Marks & Spencer

Schoolwear Plus Fit Stain Defence™ Non-Iron Trousers With Stormwear™, at M&S
These larger sized trousers are treated with Stain Defence™ and Stormwear™ technologies, so they repel water and stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away View Plus Schoolwear Size Guide. Find out more

3 Angel Cotton Rich Assorted Shorts, at Marks&Spencer
Cute and trendy, this pack 3 cotton shorts makes a great way to stock up on essential style

Panasonic DMP BD60 Blu-ray Disc™ Player, at Marks and Spencer
PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs Accessories: Remote control Dimensions: 43 x 4.9 x 24.9cm

Formula Calming Day Lotion + Vitamin E, at Marks and Spenser
Especially formulated for sensitive skin Vitamin E - protects and cares for your skin Camomile - soothes your skin Allantoin - protects and cares for your skin Lightweight formula Absorbs quickly Hypoallergenic For all skin types No unnessary additives 100ml

Earth Spa Purifying Bath Tonic, at Marks & Spencer
With mineral enriched sea algae to cleanse and purify and aloe vera to nourish and moisturise Scented 250ml

Cowhide Rug, at Marks & Spencer
Cow hide design 3-4 square metres, Manufacturer: Marks & Spencer

Marks & Spencers 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 Buildings & Contents 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 Buildings & Contents 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.