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

Besides Marks and Spencer Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Buildings & Contents 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 Marks & Spencer Money 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 n Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.

When you're shopping at M&S 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 & Spencer Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks and Spenser than you might imagine.

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

PlayStation®3 Resistence 2™, at Mark & Spensers
The critically acclaimed story continues Gigantic online battles featuring up to 60 players Missions specifically designed to be played co-operatively with up to 8 players Blu-ray - 720p This product is not available for international delivery. Find out more 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 *Must be returned with the tamper seal intact for full refund

Pacific Coffee Table, at Mark & Spensers
H42 x W76 x D76cm Handwoven in natural pandan leaves around a solid wooden frame Solid wood feet with glides With toughened glass top This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Weekend Slash Neck Stripe Top, at Marks and Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Make Your Own Handbag Kit, at Marks n Spencer
Suitable for ages 5+ Adult supervision recommended This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Cotton Rich Crochet Trim Padded Bra, at Marks & Spensers
Elegant and feminine, this stylish bra is made from soft stretch cotton. Soft padding and underwiring give support and a flattering natural shape. Pretty everyday fashion

Autograph Leather Pleated Pumps, at Marks and Spencer
Pointed toe Slip on Pleat detail Patent design Flat sole Comes in sizes 3-8, including half sizes

Autograph Velvet Bed Cover, at Marks and Spencers
Square design Quilted look Stitched detail, Manufacturer: Marks & Spencer

Draping Wisteria Embroidered Cushion, at Marks and Spencer
Rectangular shape Floral embroidery, Manufacturer: Marks & Spencer

Maternity Cotton Rich Frill Shirt, at Marks and Spencer
Fashionable and modern, this short sleeve shirt is designed to flatter you and your bump. The ruched style and clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Diamanté Wreath Brooch, at Marks&Spencer
Wreath design Diamant detail Pin fastening

Girl's Fashion Schoolwear - 2-Pack 3/4 Sleeve Blouses, at Marks & Spencers
Practical and easycare, this 2-pack of blouses makes an ideal choice for school and the fitted shape gives a fashionable twist. Taped reinforced seams give a smooth neat look

Pure Cotton Collegiate Baseball Cap, at Marks&Spencer
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in the park, the baseball cap is a true summer essential

2 Younger Boys' Limited Pure Cotton Beanie Hats, at Mark's & Spencer
Warm and comfy, these pure cotton hats are ideal for chilly days

Panasonic Lumix DMC-FX550 Digital Camera, at Marks & Spencers
Pixels: 12.1 megapixels Zoom: 5x optical zoom, 4x digital zoom Screen: 3.0" TFT Touch Screen LCD Display (230K dots) / Field of View : approx. 100%, Wide Viewing Angle / AUTO Power LCD mode, Power LCD mode ISO: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: 9.4 x 5.7 x 2.1cm Weight: Approx. 167g (with Battery and SD Memory Card), Approx. 145g (without) Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV

Blue Harbour Luxury Plain Shirt with Silk, at M&S
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Dualit Jug Kettle- Red, at Marks & Spenser
1.5 Litre - 12 cup capacity 3000 watt Cordless operation Hinged lid Washable limescale filter Rapid boil concealed element Large viewing windows on both sides Can be turned to any angle on its base Heatproof handle, ball knob and finger-guard Non-slip rubber feet Oversized non-drip spout Weight: 1.36kg Dimensions: H27cm 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

Leather Trifold Wallet, at M & S
Smart, stylish and practical, this leather wallet makes it easy to organise cards and notes

Per Una Short Sleeve Floral Print Longline Tunic, at M & S
A fashionable longline tunic featuring floral print, finished with an underbust seam

Per Una Cap Sleeve Stripe Top, at Mark & Spensers
A fashionable mandarian collar top. Curved neckline gives it Per Una touch

Pure Cotton Short Sleeve Monkey T-Shirt, at Marks n Spencer
Soft, snug and comfy, this pure cotton t-shirt features a fun monkey motif. Fashionable and practical

Florentyna Hand & Nail Cream, at Mark & Spencers
To use: carefully massage into the hands, especially after washing paying particular attention to dry or damaged skin 100ml

3 Bart Simpson Skater Trunks, at Marks & Spencer
Fun and fashionable, these comfy cotton rich hipster trunks feature assorted Bart Simpson designs

Per Una Rainbow Stripe Bikini Top, at Marks and Spencer
A colourful halterneck bikini top featuring a stripe print design

°Climate Control All Seasons Mattress Protector, at Marks and Spenser
Absorbs body heat, releasing when your body needs it Fleece reverse Made using Outlast technology, originally designed for NASA Moisture management technology, Manufacturer: Marks & Spencer

Cream & Black RSVP Cards - Pack of Ten, at Marks & Spencer
Inside message: Many thanks for your kind wedding invitation................................................................Would be pleased to accept/cannot accept 10 cards, 1 design Approx size: 133 x 73mm

Olympus FE-5000 Digital Camera, at Marks n Spencer
Effective pixels: 10 Megapixels Zoom: 5 x Optical zoom Digital Zoom: 4 x / 20 x combined with optical zoom LCD: 6.9 cm / 2.7", LCD backlight boost: Auto focus with contrast detection, Image Stabilisation Mode, Shadow Adjustment Technology, Advanced Face Detection Technology Number of scene modes: 11 Sensitivity: Auto: AUTO / High AUTO Automatically selected; Manual:ISO 80, 100, 200, 400, 800, 1600 Internal Flash: AUTO, Red-eye reduction, Fill-in, Off Image Processing, Function Processing, Image Editing, View Images, View Movie, Still Image Recording, Movie Recording System, Voice Appendage Memory: 48 MB for image data(Internal) Menu languages: 39 languages Speaker, Combined A/V & USB output, USB 2.0 High Speed, Mechanical Image Stabilizer, Advanced Face Detection Technology, Perfect Shot Preview Self timer: 12s Dimensions: W97 x H57 x D26cm Weight:137g (without battery and card)

Autograph Blush Bath Cream, at M&S
Bath cream 200ml

2 Pure Cotton Fitted Cot Sheets, at Marks and Spencers
Pack of 2 Fitted design Plain, Manufacturer: Marks & Spencer

Domaine Régismont Merlot Cabernet 2007 - Case of 12, at Marks and Spencers
Style: Full Bodied Grape variety: Merlot, Cabernet Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Just For You Flowers Large Gift Bag, at M&S
1 gift bag with tag Approx size: H350 x W350 x D100mm

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

• M&S Insurance: M&S Motor Insurance, M&S Buildings & Contents 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 n Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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