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 Direct financial products are, of course, designed to make Marks and Spencers 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 Direct 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 Direct Property Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the M&S online store. Here are just some of the financial products which can be purchased via the M&S Money Direct 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 Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

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 Mark & Spensers 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 Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Panasonic Lumix DMC-TZ6 Digital Camera, at M & S
Pixels: 10.1 Megapixels Zoom: 12x optical zoom, 4x digital zoom Screen: 2.7" TFT LCD Display ISO: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W10.3 x H5.9 x D3.2cm Weight: Approx. 229g with battery and SD memory card, Approx. 206g (without) Face Detection: AF/AE to focus on faces in the frame and remove unwanted red-eye Optical Image Stabilizer: MEGA O.I.S. to compensate hand-shake Intelligent ISO Control: To detect subject movement Intelligent Scene Selector: To select the optimal scene mode automatically AF Tracking: To continually track a moving subject and keep it in focus Intelligent Exposure: to correct the brightness level

Per Una Wool Blend Open Weave Beret Hat, at Marks & Spenser
Berets always look so chic making this knitted beret the perfect way to add a stylishly warm finishing touch.

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

3 Pairs of Cotton Blend Plain Socks with Linen, at M+S
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Ceriso Mesh Frill Trim Padded Bra, at Marks & Spencers
Fun and funky, this modern bra is beautifully detailed with a meah frill trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look.

Beechwood Pepper Mill, at Mark's & Spencer
Single pepper grinder Height 33cm, Manufacturer: Marks & Spencer

Secret Support™ Lace Trim DD-G Vest, at Marks & Spenser
Flattering and feminine, this lace trim vest is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Pure Cotton Long Sleeve Upsy Daisy Top, at Marks and Spencer
The Upsy daisy slogan makes this cute top even more fun

2 DD-G Plain Padded T-shirt Bras, at Mark & Spensers
Providing great value and comfort for everyday wear, these plain and simple wired bras combine supportive full cups with convenient easy to care for fabric

Autograph Mineral Powder Eyeshadow, at Marks n Spencer
Hypoallergenic Fragrance and preservative free

3 Piece Floral Design Cardigan Outfit, at Marks and Spenser
Practical and pretty, this cute long sleeve top, cardigan and bottoms 3-piece outfit is made from soft fabric to keep her feeling comfy and happy

Simple First Words Let's Talk Book, at Marks and Spenser
By pressing the buttons and matching the sounds to the pictures again and again, children will quickly and easily learn simple first words and develop their speech

Florentyna Body Spray, at Marks and Spencers
Shake well, hold upright and press firmly to spray lightly over the body after bathing or showering Do not spray near eyes, on face or onto sore or broken skin Discontinue use if irritation occurs 100 ml This product is not available for international delivery. Find out more

The Floral Collection Magnolia Bath Cream, at Marks and Spencer
Foaming bath cream Moisture rich Magnolia fragrance 500ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Decyl Glucoside Sodium Chloride, Parfum, Magnolia Liliflora (Magnolia), Glycerin, Glycol Distearate, Laureth-4, Disodium EDTA, Citric Acid, Benzophenone-2, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Citronellol, Geraniol, Isoeugenol, Linalool, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben, CI 19140, CI 14700

Oval Sunburst Mirror, at Marks and Spencers
Oval shape Sunburst design Diam 67.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Merano Corner Unit, at Marks and Spencer
H84 x W102 x D102cm Seat H47cm, top back rail H63cm (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 Glide feet with a dark finish Can be arranged to fit both left and right room corners All of our fabrics are treated with Stain-Defence™ - 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

Cotton Rich Animal Print Low Rise Shorts, at Marks and Spencer
Low rise shorts are perfect for wearing with hipster styles and these stylish animal print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Limited Collection Grosgrain Chain Bag, at Marks and Spencer
Fashionable and fabulous, this grosgrain chain handbag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Per Una Short Sleeve Spot Print Blouse, at Marks & Spenser
A beautiful short sleeve blouse with camisole featuring frill trim and spot print design

Green Letters Good Luck Card, at Marks & Spencer
Cover Text: Good luck to you Inside Message: Blank for your own message Approx size: 150 x 150mm

Footglove™ Widefit Leather Interweave T-Bar Sandals, at Marks&Spencer
Open toe Interweave strap design T-bar style Buckle fastening Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Widefit feature Comes in sizes 3-8, including half sizes

Dainty Handbag Large Gift Bag, at Marks & Spensers
1 gift bag Approx size: H270 x W360 x D100 mm

Pure Silk Floral Embroidered Tie, at Marks and Spencer
Add a luxurious finishing touch with this floral embroidered tie in pure silk

Elasticated Wide Leg Trousers, at Mark & Spencers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Miele S7280 Allervac Upright Vacuum Cleaner, at Marks n Spencer
6 litre dust bag capacity 1800W Sealed system for optimum filtration 14.5 metre operating radius The Active HEPA filter ensures air leaving the cleaner is free of allergens and odours Dust bag change indicator - signals when the dustbag needs to be replaced Rotary Dial to adjust the suction power for different floorings Telescopic stainless steel tube Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability An Upholstery nozzle, Dusting brush and Crevice nozzle are all stored at the rear of the cleaner Weight: 9.5kg Dimensions: H1160.6 x W349.3 x D377.9mm 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 Free 2 year guarantee, Manufacturer: Marks & Spencer

6 Stainless Steel Teaspoons, at Marks and Spencers
6-piece set 18/10 stainless steel - the highest grade of stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Photographic Pugs, at Marks and Spencer
Cover Text: Valentine I'll still love you, even when you're covered in wrinkles Inside Message: Happy Valentine's Day Approx size: 178 x 127mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

The Floral Collection Moisture Rich Rose Handwash, at Marks and Spencers
Rose fragrance Moisture rich Handwash 250ml

2 Machine Washable Multi Stripe Ties, at Marks & Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Heat Proof Travel Mat, at Marks & Spenser
Haircare motifs Riptape fastening Once you have finished using heating appliances, unplug and pack away in your heat proof travel mat

M&S Money Direct 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, M&S Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.