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. M&S Money financial products are, of course, designed to make M & S 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

Marks n Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but MarksandSpencer 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 & Spencer 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 Household 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 (Household Insurance, Motor 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 and Spencers insurance products in document format too.

There are lots of ways to save money using M&S Money. Not least of these is M+S Standard Motor Insurance. With M&S Money you can keep the cost of your Motor 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 Motor Insurance cover from M&S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spencers, 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 Motor Insurance from M&S Money Direct, you get more, and you pay less.

Sparkling Pinot Grigio - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Grigio Country of origin: Italy Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Pairs of Cotton Rich Week Days Trainer Liner Socks, at Marks & Spencer
Comfy and practical, these soft cotton rich socks are designed to hide neatly inside trainers

Per Una Post Surgery 2 Tone Lace Padded Bra, at Marks&Spencer
Pretty and feminine, this floral lace trim bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

M&S Corded Phone with Large Phonebook & Answering Machine, at Marks&Spencer
Extra large 3 line display 120 name and number phonebook Digital answering machine - Up to 20 minutes digital recording time with remote access Hands-free speakerphone Caller display stores information on the last 99 calls Last number redial Adjustable speakerphone and ringer volume Wall mountable 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

Cut Flowers Refresher & Burner Oil, at Marks & Spensers
Floral scent 15ml, Manufacturer: Marks & Spencer

Ivory Leather Small Wedding Photograph Album, at Marks and Spencer
Album and gift box 105 glue dots 700Mb CD-R Album: H155 x W200 x D33mm Box: H168 x W215 x D40mm

Autograph Cotton Rich Trousers, at Marks and Spencer
Stylish and comfortable, these straight leg trousers give a regular fit through the hip and thigh

Artificial Orchid in Crackle Vase, at Marks and Spenser
Artificial orchid Ceramic crackle vase Height: 78cm, Manufacturer: Marks & Spencer

Collezione Exclusive Pure Cashmere Single Breasted 3 Button Jacket, at Marks and Spencers
Superior fabric, exceptional tailoring and careful attention to detail make this single breasted jacket stand out as a stylish modern classic. It's made from luxurious cashmere. This exclusive product is only available in 10 stores and online

Knee High Round Toe Stretch Boots, at Marks and Spencers
Stylish and contemporary, knee high boots are a fashion must. This mid heeled suede effect, stretchy pair are designed to be comfortable and wearable, so they'll feel as good as they look

Classic Collection Pure Cotton Swirl Neck Top, at Marks and Spenser
Modern and stylish, this versatile top is made from soft easycare fabric and features swirl neck detail. A fashionable style with a comfortable, flattering fit

Friday Night Whites - Case of 12, at Marks and Spencer
3 Alta Mira Sauvignon Blanc 2008: A fresh, dry Sauvignon Blanc from the Central Valley in Chile, this has a mouthwatering, zesty aroma and clean citrus flavours 3 Hungarian Pinot Grigio 2008: A refreshing aromatic white with vivacious fruity flavours of limes, tangerines and melons 3 Gascogne Cuve Spciale 2008: If you like dry, refreshing white wines, you'll love the mouthwatering flavour of crisp lemons and pears... 3 Quadro Sei Single Estate Gavi 2008: A premium dry white from one of Italy's most renowned wine-producing regions, Piedmont. Look out for the delicious fruity flavour of lime, pear and apricot, a subtle hint of almond and a fresh, ripe, zesty finish You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Classic Ceramic Tall Mirror, at M&S
Freestanding Round mirror H38 x W17 x D16cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wooden Photo Frame 20 x 25cm (8 x 10"), at M & S
Plain wood photo frame Pure pine border Aperture: 20 x 25cm (8 x 10'') Dimension: H35 x W3 x 02.5cm, Manufacturer: Marks & Spencer

Philips NT9110 Nose & Ear Trimmer, at Marks & Spencers
Guaranteed no pulling: Ultra sharp closed cutting system avoids pulling Prevents nicks and cuts: Guarded system protects against nicks and cuts Powerful precision micro trimmer Soft grip coating for maximum control Ideal angle for easy reach 100% waterproof for easy use and cleaning Accessories: AA battery, 2 trimming combs, protection cap

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Silver, at Mark & Spensers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Autograph Pure Cotton Plain Poplin Shirt, at Marks & Spenser
Crisp cotton and a sharp attention to detail ensure that this traditional plain shirt is given a thoroughly modern makeover. Cut for a contemporary slimline silhouette, the resulting look is one of simple sharp style

125 Years Luxury Pure Wool Flat Front Trousers, at Marks n Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Handmade Letters Grandad Card, at M&S
Cover text: To a very special grandad Inside message: With love Approx size: Unfolded: 215 x 150mm

Blue Energy Shower Gel, at Marks and Spencer
200ml

Wool Blend Flat Front Stripe Trousers, at Marks & Spencers
Smart and contemporary, these trousers are made from a special wool blend fabric for extra strength, comfort and durability

Flat Front Crease Resistant Puppytooth Trousers, at Mark's & Spencer
Stay smarter for longer with these innovative crease resistant trousers

Easycare Short Sleeve Gingham Shirt, at M+S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

5 Lace Bikini Knickers, at Marks & Spencer
With a low rise design making these the perfect partner for jeans and trousers, an easycare fabric and added stretch provides essential everyday comfort and convenience

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

Tiga Dining Table, at Mark's & Spencer
H76 x L180 x W90cm Seats 6 people Made from sheesam wood Finished with a protective matt lacquer for added durability Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Fluted Trim Waistcoat, at Mark & Spensers
A stylish knitted waistcoat featuring fluted edges and a rose button fastening

Dave's Celebration Goal Birthday Card, at MarksandSpencer
Cover Text: Happy Birthday! Inside Message: Have a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

Autograph Pure Cotton Satin Stripe Pillowcase, at Marks and Spencer
Stripe design Bordered trim Supima 400 threadcount Co-ordinate with Satin stitch black, cream, white plain dye sheets and pillowcases strokes T356490F,T356490S,T356940P, Manufacturer: Marks & Spencer

Black Floral 40th Birthday Card, at Marks & Spencers
Cover text: Happy 40th Birthday Inside message: With love on your special day Approx. size: 150 x 150mm

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 M&S 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 Spencers, 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 Motor Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.