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 and Spenser are so useful. M+S Money financial products are, of course, designed to make Mark & 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 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.

M+S Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks & Spencers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

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 M+S Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

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

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

Classic Collection Short Sleeve Swirl Print Top, at MarksandSpencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a swirl print. A fashionable style with a comfortable, flattering fit

Etched Mirror Photo Frame (3.5 x 5"), at Mark's & Spencer
Rectangular shape Etched flower design Aperture: 3.5" x 5", Manufacturer: Marks & Spencer

Pure Cotton Floral Print Pleated Skirt, at Marks & Spencer
Pretty and feminine, this knee length pleated skirt is a look you'll love. Stylish, practical and fashionable

Pleated Bedset, at Marks & Spencer
Pleated design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

3 Button Chunky Knit Swing Cardigan, at Mark & Spencers
Fashionable and flattering, this cardigan features a chunky knit for a smart modern look

XBOX 360® Pro Evolution Soccer™ 2008 Game, at Marks & Spencer
All new 'Teamvision' A.I. (Artificial Intelligence) system Player detail has been taken to incredible levels with full facial animation and the high-definition detail afforded by the hardware used to show full movement and subtle details to the various kits during the course of a match Enhanced close control system enabling more control of the ball when dribbling Brand new commentary by John Champion and Mark Lawrenson Extensive edit mode including players, kits, badges & stadium names Improved set pieces - players now have full control over the defensive wall Increased player detail with full facial animation 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, Platforms: Xbox 360, ESRB Rating: Kids to Adults

50% Extra Stems on Summer Dawn Bouquet, at Marks and Spenser
This item can only be ordered with the purchase of the Summer Dawn Bouquet (00669221)

Chablis Premier Cru Fourchaume 2005 - Case of 6, at Marks n Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Damask Bathmat, at Marks and Spenser
Damask design Bathmat: 50 x 80cm Pedestal mat: 50 x 55cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

Family Illustrated Organiser, at Marks & Spencer
Approx. size: 330 x 430mm

Classic Collection Spot Print Nightdress, at Marks and Spencer
Fresh and feminine, this button fastened long nightdress is comfortable to sleep in and features a pretty floral embroidered design

Per Una Single Breasted Crinkle Stripe Jersey Jacket, at Mark's & Spencer
A fashionable single breasted jacket featuring a stripe design

Hamilton Armchair, at Mark's & Spencer
H95 x W103 x D99cm Seat H49cm, arm H66cm, top back rail 73cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Cushions are reversible on fabric upholstery options Solid birch feet Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Buckle Front Slip On Mules, at Marks and Spenser
Buckle feature Flat sole Single strap

Limited Collection Wood Bead Necklace, at Marks & Spencer
Tie fastening Wood bead design Cord chain Necklace length 69cm

Oak & Metal Photo Frame 20 x 25cm (8 x 10"), at Marks and Spenser
Wide border Rectangle shape Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

Pure Cotton Stripe Shorties, at Marks and Spencer
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Chevron Print Scarf, at Marks & Spencer
Add a fashionable finishing touch to your look with this elegant chevron print scarf. The perfect accessory to this season's styles

Autograph Plaited Weave Leather Belt, at M & S
A taste of safari beckons with this distinguished plaited leather belt. The perfect stylish finish to chinos

2 Pairs of Older Girls' Cotton Rich Plain Long Socks, at Marks & Spensers
Ideal for school, these soft cotton rich socks make a comfortable, practical choice

Blue Harbour Twin Pocket Short Sleeve Shirt, at Marks and Spencer
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Pure Cotton Penguin All In One & Hat Set, at Marks & Spensers
Cute and practical, this 2 piece suit features penguin design. The soft cotton fabric will keep her comfy

Audrey Sunglasses, at Marks and Spencers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Map Measurer & Compass, at Mark's & Spencer
You'll always find your way with this map measurer and compass. The measurer is designed for easy use on all maps while the compass is backlit for lowlight situations and has a clip which can be used to keep it securely on you

2 Pure Cotton Assorted Tops, at Marks & Spencers
Cute and practical, this pack of two tops is outstanding value. The soft cotton fabric will keep her happy and comfy

10 Party Time Drinks Invitations, at Mark & Spencers
Cover text: Party time! Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Nintendo Wii™ Classic Controller, at Marks & Spencers
The Classic Controller is connected to the Wii Remote by a short cable. The Wii Remote provides the Controller with a wireless connection to the Wii console. The Classic Controller is primarily used for playing Virtual Console games available for download from the Wii Shop Channel. Some Wii Disc games also use the Classic Controller. Check the back of Wii game packaging to see which games are compatible 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

Platinum Plated Diamanté Detail Wishbone Ring, at Marks & Spencer
Add instant sparkling style with this gorgeous platinum plated ring, set with dazzling diamant.

Button Tab Bootleg Trousers, at Marks & Spencer
Comfortable, hardwearing bootleg trousers with stretch. Practical and easycare, they're an ideal choice for school

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