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 & Spencers are so useful. M&S Finance financial products are, of course, designed to make Marks&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, Home Insurance policies. Usually, UK Home 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 Finance Home 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 Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Mark's & Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Home 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 M&S Finance 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 M&S Finance Premier Home Insurance and Standard Home 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.

Marks & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but M & S 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 Finance website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (Home 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 Spencer insurance products in document format too.

Little Acorns Birth Announcement Pack of Ten, at Marks&Spencer
Cover Text: New baby Inside Message: Would like to announce the birth of . . . . . .,A new arrival . . . . . . , On . . . ., Time . . . ., Weighing Pack Contains: 10 cards, 1 design Approx Size: 120 mm x 120 mm

Gradient Stripe Tie, at Marks&Spencer
No more trips to the drycleaners! This striped tie is machine washable

Per Una Bow Detailed Shopping Bag, at Marks & Spencers
A bow detail makes this fashionable bag even more special. Give your look the Per Una twist!

Perfect V-Neck Stripe Pyjamas, at Marks n Spencer
In soft pure cotton, our short pjs will keep you cool and comfy, whether you're sleeping or wearing them around the house. You'll love the colour and the price, too

Silver Burst Spots Roll Wrap, at Marks & Spencer
1 roll wrap Approx size: 200 x 70cm

Collezione Classic Trim Moccasins, at Marks & Spensers
Square toe Stitch detail Slip-on Block heel

Single Breasted 2 Button Jacket, at Marks & Spencers
A style classic at a great value price, updated with a modern cut and contemporary detailing

Short Sleeve Textured Cardigan, at M & S
Modern and stylish, this cardigan features a textured knit. Ideal for layering

Autograph Criss Cross Knot Waist Belt, at Marks and Spencer
Define your waistline with this fashionable criss cross knot belt

Per Una Stripe Knitted Cardigan, at Marks and Spencer
A fashionable short sleeve cardigan featuring stripe design and front pockets with knitted bows

Contrast Stitch Cross-Body Bag, at Marks & Spenser
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and turn lock feature. A practical and stylish accessory

Curvy Glass Jug, at MarksandSpencer
Curved design Solid handle 1.5 litre capacity H26cm, Manufacturer: Marks & Spencer

Limited Stripe Hat Scarf and Glove Set, at Marks and Spencer
Fashionable and colourful, this hat, scarf and glove set is perfect for chilly days

M&S Hand Mixer, at Marks and Spencers
8 speeds Turbo function 300 watt 2 dough hooks 2 beaters Stainless steel body Dimensions: H19 x W9 x D15cm 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 , Manufacturer: Marks & Spencer

Flavour of South America - Case of 12, at Marks and Spencer
2 Casablanca Sauvignon Blanc 2008: A lively, zesty dry white with an inviting, fresh, slightly grassy aroma and mouthwatering flavours of gooseberry, pear and melon... 2 Casa Leona Chardonnay 2008: A ripe, fruity, modern Chardonnay bursting with peach, pineapple and yellow plum flavours... 2 Tupungato Chardonnay 2007: A wonderful fruity white wine, made by one of Argentina's best winemakers from 100% Chardonnay... 2 Casablanca Pinot Noir 2007: An exceptionally fruity, soft and moreish red wine that is aromatic with juicy flavours of cherry and mulberry... 2 Casa Leona Cabernet Sauvignon 2008: The rich aroma and flavour of cassis distinguishes this fine Chilean Cabernet Sauvignon... 2 Tupungato Cabernet Sauvignon Malbec 2007: A deep rich red wine made of Cabernet Sauvignon and Malbec. The wine shows the classic body and structure of Cabernet Sauvignon... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Baking Day, at Marks and Spencer
Rejuvenate the art of baking with this useful book, create delicious home baked food for your family to enjoy

Ombre Style Sunglasses, at Mark & Spensers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Panasonic Lumix DMC-FS6 Digital Camera, at Marks & Spencers
Pixels: 8.1 megapixels Optical zoom: 4x Digital zoom: 4x Display: 2.5 inch TFT colour LCD Screen ISO Sensitivity: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W9.7 x H5.4 x D2.1cm Weight: Approx. 137g with Battery and SD Memory Card, Approx. 115g (without) Power: ID-Security Li-ion Battery Pack (3.6V, 940mAh) (Included) / AC Adaptor (Input: 110-240V AC) (Optional) Built-in-Flash: Auto, Auto/Red-eye Reduction, Forced On, Forced Off 0.3 - 6.3m (Wide/ISO Auto), 0.5 - 3.0m (Tele/ISO Auto) Recording Media: Built-in Memory (approx 50mb), SD Memory Card, SDHC Memory Card, MultiMediaCard (Still image only)

Autograph Pure Silk Oxford Pillowcase, at Marks & Spencers
Manufacturer: Marks & Spencer

The Floral Collection Lavender Moisture Rich Shower Cream, at Marks and Spencer
250ml Lavender fragrance Moisture rich shower cream

Ethnic Cateye Stretch Bracelet, at Marks and Spencer
Mixed bead design Stretch style

Little Sweetheart Bedset, at Marks and Spencer
Little sweetheart design Set includes single duvet cover and 1 pillowcase Duvet cover: L198 x W137cm Pillowcase: L76 x W48cm, Manufacturer: Marks & Spencer

Stick On Bra, at Marks and Spencer
Thanks to these moulded cups, you can get discreet support - great for wearing with strapless or backless dresses and tops

Pure Cotton Floral Embroidered Trousers with Belt, at M&S
The pretty floral embroidery makes these fashionable trousers extra special. Soft cotton fabric and an elasticated waist will keep her feeling comfy

Special Friend Text Birthday Card, at Marks and Spencer
Cover text: Special Friend Inside message: Blank for your own message Approx. size: 150 x 150mm

Per Una 3/4 Sleeve Stripe Cardigan, at Marks&Spencer
A sophisticated 3/4 sleeve cardigan in a chunky knitted fabric featuring a vertical stripe design

Wisteria Flight Bag, at Marks & Spencers
Smart and practical, this hardwearing flight bag meets the UK size restriction for carry-on luggage. It features seperate case section

Sprung-Edge Non-storage Divan & M300 Mattress, at Marks and Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 24cm Divan Height: 41cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Mattress Spring Count: 896 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Autograph Pure Cotton Parisian Damask Duvet Cover, at Marks and Spenser
Floral design Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

3 Lever Arm Bottle Stoppers, at Mark's & Spencer
Pack of 3 Chrome look handle Ideal for sealing opened bottles, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Home 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 Marks & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.