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

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 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 Property 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 Property 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.

Mark's & 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 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 Marks & Spencers Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or Property Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers 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 Marks & Spenser insurance products in document format too.

Luxury Pure Wool Tweed Single Breasted 2 Button Jacket, at Marks and Spencers
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button jacket is exceptionally stylish and luxurious

Philips QG3190 Grooming Kit, at MarksandSpencer
9 attachments for unlimited style options Storage stand Full size trimmer blade Mini shaver 9 position hair clipper comb 9 position beard and moustache comb Nose and ear trimmer Precision trimmer Fine detailing blade 4 position eyebrow comb Rechargeable cordless operation Maintenance free - No oil needed

5 Cotton Rich Assorted Low Leg Knickers, at Marks & Spensers
These heart design cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Girls' Limited Denim Leggings, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Rectangular Wooden Chopping Board, at Marks and Spenser
Rectangular design Recessed frame detail L38 x W28 x H2cm, Manufacturer: Marks & Spencer

Christening Type Card, at Mark's & Spencer
Cover text: Christening Inside message: Wishing you a wonderful day Approx size: 150 x 150mm

Autograph Weekend Fleece Lined Ballet Slippers, at Marks and Spencers
Round toe Bow detail Slip-on Flat sole Fleece lined Comes in sizes 3-8

Pure Cotton Crew Neck Stripe Jumper, at Marks & Spencer
Soft, snug and comfy, this knitted jumper is outstanding value. A practical easycare style

125 Years Limited Collection Cotton Rich Shorts, at Marks and Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. These exclusive garments have been inspired by some of the beautiful pieces in our archive and reference the iconic decades of the 20th century. Retro styling has been given a contemporary twist for the modern day

Autograph Pure Cotton Flannel Trousers, at Marks and Spenser
Fashionable and contemporary, these flannel trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Letters on a String New Baby Boy Card, at M & S
Cover text: Baby boy Message: Congratulations! Approx size: 150 x 150mm

Barbera D'Asti 2006 - Case of 12, at Marks & Spensers
Style: Medium bodied Grape variety: Barbera Country of origin: Italy Closure: Synthetic closure 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

Autograph Spot Rip Tape Fastening Tie, 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

Tupungato Chardonnay 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Argentina 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

Per Una External Pocket Stitch Detail Shopping Bag, at Marks and Spencers
A patent finish makes this fashionable bag even more special. Give your look the Per Una twist!

Younger Boys' Thomas & Friends© Trolley Bag, at Marks and Spencer
A must-have for fans of Thomas & Friends, this extendable grip handle trolley bag features Thomas, the tank engine

Bright Kittens Multipack of Mini Cards, at Mark & Spencers
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Maritza Swirl Necklace, at M&S
Clasp fastening Adjustable length Mixed bead design Necklace length: 100cm

7 Pairs of Big & Tall FreshFeet Contrast Heel & Toe Socks with Silver Technology, at Marks and Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Tribeca Armchair, at Marks & Spenser
H90 x W101 x D99cm Seat H46cm (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 with a medium 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

Artificial Exotic Argumentum & Vase, at Marks & Spensers
Artificial exotic argumentum with short stem Presented in clear and frosted glass Square vase Stone effect Diameter: 51cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Linen Short Sleeve Chambray Shirt, at Marks & Spenser
Stylishly smart casual, this short sleeve shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Autograph Reversible Leather Belt, at Mark's & Spencer
Add a smart finishing touch with this leather belt

DeLonghi Icona Kettle - Silver, at Marks and Spencer
1.7 litre capacity Rapid boil 3kW cordless kettle Stylish silver finish 360 swivel base with cord storage Water level indicator Auto shut-off when water begins to boil Removable, washable scale filter Cord storage Non slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

St Chinian Syrah des Garrigues 2005 - Case of 6, at Marks and Spenser
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians 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

Glass Column Floor Lamp, at Marks & Spensers
Pyramid style shade Glass column stem feature Square base This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sweet Bergamot Filled Candle, at Marks & Spenser
Tinted glass holder Sweet bergamot fragrance Burns up to 45 hours, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Marl Stripe T-Shirt, at Marks and Spencer
Fashionable and relaxed, this marl stripe t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Autograph Flat Front Bootleg Trousers, at Marks & Spencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Autograph Linen Blend Variegated Short Sleeve Shirt, at MarksandSpencer
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

When you're shopping at Marks and 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks & 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."