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 Financial Services 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 Financial Services 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

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 Marks & 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 Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

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

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

Autograph Pure Cotton Percale Pillowcase, at Marks and Spencer
Plain 400 thread count - thread count refers to the number of threads, both vertical and horizontal, in a one-inch square of fabric 100% cotton percale - a medium weight fabric in thread counts of 200 and above, percale is tighter than standard weave fabrics making it feel luxurious and smooth. It also washes very well. Supima Cotton - superior strength cotton with improved durability and increased lifespan. Because of the fineness of Supima cotton, more fibers can be spun into a yarn of a given count, which enhances the feel, softness, drapeability and brilliance of color. Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

3/4 Sleeve Button Detail Mock Layer Jersey Top, at M+S
Pretty and feminine, this 3/4 sleeve mock layer jersey top is made from stretch viscose for a fluid look. The stripe print adds a fashionable finishing touch

M&S 900W Combi Microwave, Convection Oven & Grill, at Marks and Spencers
25-litre interior capacity 10 variable power levels, including defrost 900W microwave power output, 1200W grill, 2000W fan-assisted convection oven Heating category E (MAFF rating for cooking time) Stainless steel cavity with mirrored front Dimensions: H31 x W51 x D44cm 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 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, Manufacturer: Marks & Spencer

Autograph Silk Rich Tie Front Cardigan, at Marks & Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Younger Girls' Hello Kitty Wellie Boots, at Marks & Spencers
Wellie style Round toe Hello Kitty motif Cloud, sun and droplet print Handle detail Lined 1976-2009 SANRIO CO. LTD

Portfolio Patent Finish Stitch Detail Purse, at Marks & Spenser
Practical and stylish, this purse features compartments for your cash and cards and a secure popper fastening, making it an ideal choice for everyday use

Connoisseur Scottish Lochmuir™ Salmon, King Prawns & Terrine Platter, at Mark & Spencers
Serves 4 Ready to eat Includes a table-presentable platter Gluten free 400g total weight As featured on page 22 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Collezione Modern Stormwear™ Mac, at Marks & Spencers
Sophisticated and contemporary, this smart mac is inspired by Italian tailoring. It's treated with Stormwear™ technology, a breathable finish that repels water and stains

Pure Cotton Spot Print Camisole Top, at Marks and Spenser
A spot print design makes this soft cotton top extra cute

Swirl Champagne Flute, at Mark's & Spencer
Swirl design Wide base Coloured glass Handmade Height: 27.5 cm Capacity: 17 cl, Manufacturer: Marks & Spencer

Black and Cream Floral Roll Wrap, at Marks & Spenser
Pack contains: 1 roll wrap Approx size: 150 x 70cm

Non-Iron Cotton Blend Long Sleeve Stripe Shirt, at Marks & Spensers
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Burra Brook Chardonnay 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Ultimate Pure Wool 3 Button Stripe Jacket, at Marks and Spencers
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Multiple Zip & Pocket Cross-Body Bag, at Marks and Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and multiple pockets. A practical and stylish accessory

Sonoma Dark Display Shelving Unit, at M+S
H160 x W147 x D40cm 4 shelves Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Shelves made from White Oak veneer 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

PlayStation®3 Beijing 2008 Game, at Marks&Spencer
Experience the authentic look and feel of the Olympic Games with 38 official events Brand new control systems to give you the edge Global Online Competition: Choose your country and become a member of the Olympic team and face challenges from across all nations 1 - 8 players 2007 Sony Computer Entertainment Europe 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, ESRB Rating: Everyone

Pure Cotton Mock Layer Stripe Tank Top, at Marks & Spencer
Cute and comfy, this mock layered tank top is made from pure cotton and features a pirate and shark motif. A practical easycare style

Pink Pencil Pleat Curtains, at Marks & Spencer
Plain Pencil pleat top Dimout coated Comes in 54 and 72 inch drop How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Crossover Bootie Slippers, at Marks & Spensers
Treat your feet to the warm comfort of these faux fur trim slippers. They're a terrific option for lounging around the home in cosy style

Sun Formula Express Bronzing Spray, at M&S
360 nozzle Non-streaky, non-greasy and quick drying Contains vitamin E to help prevent dryness 150ml This product is not available for international delivery. Find out more

Pure Cotton Tonal Stripe Towel, at Marks n Spencer
Tonal stripe design, Manufacturer: Marks & Spencer

Easy Iron Pure Cotton Classic Gingham Shirt, at Marks & Spencer
Stylish and innovative, this classic gingham easycare shirt is quick and easy to iron for a smart crisp look

Younger Girls' Abstract Print Footbed Sandals, at MarksandSpencer
Double front buckle fastening Heel buckle Abstract print design Flat sole Contrast comfort lining

Hastings Double Wardrobe & 2 Bedside Chests Set, at Marks and Spenser
Wardrobe: H188 x W96 x D54cm Bedside chest: H58 x W47 x D43cm Wardrobe has 1 hanging rail and 1 shelf Bedside chest has 2 drawers Crafted predominantly from solid pine and fibreboard All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Trace & Learn Wipe Clean Kids 123 Book, at M+S
A wipe-clean pack that provides practice in handwriting. It provides numbers and letters for children to trace over, with red dots showing the starting point in each case. It also features assorted pictures to trace and complete

Son-in-Law Icons Birthday Card, at Marks & Spenser
Cover text: Happy Birthday to a Brilliant Son-in-Law Inside message: Have a fantastic day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. 175 x 127 mm

Pure Ramie Short Sleeve Tunic Shirt, at Marks and Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning pintuck detail

Large Meat Platter, at Marks and Spencer
Contains 25 slices Serves 6 Ready to eat 700g As featured on page 18 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Orion Collection - 5 Arm Ceiling Light, at Marks & Spencer
5 arm Spotlight style shades H 31 x Diam 37cm Bulb: 40W Golf Ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

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