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 MarksandSpencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & 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, 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 and Spencers 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 Mark & Spencers, 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 Motor 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.

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks & Spensers 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 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 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, 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 M&S insurance products in document format too.

Side Stripe Bodyshaper Swimsuit, at Marks & Spensers
Elegant and feminine, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Make a splash!

Autograph Pure Silk Floral Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Maternity Skirt & Leggings Set, at Marks and Spencer
Smart and stylish, this skirt and leggings set is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Pure Cotton Combat Trousers with Belt, at Mark's & Spencer
Relaxed and comfortable, these combat trousers in pure soft cotton features multiple pockets. A practical easycare style

Baby Boy in Box Card, at Marks and Spenser
Cover text reads: Baby boy Inside message: Congratulations on your special delivery! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 x 127 mm

2 Angle Scallop Trim First Bras, at Marks & Spenser
These great value bras are ideal for everyday wear. They're made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Home Gift Card, at Marks & Spenser
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Light Up Fairy Wishes Card, at M+S
Cover text: Birthday wishes Inside message: Have a very special day Approx. size: 215 mm x 150 mm

Luxury Single Breasted 2 Button Plain Jacket, at Marks & Spensers
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Cashmilon™ Long Sleeve Ribbed Trim Cardigan, at Marks & Spensers
Fashionable and flattering, this long sleeve cardigan is made from supersoft cashmilon™ and features a button fastening

Panelled Herringbone Knee Length Skirt, at Marks & Spencers
Elegant and feminine, this herringbone skirt makes a fashionable, flattering choice. A smart modern choice

Mosaic Pendant Necklace, at Marks & Spenser
Clasp fastening Adjustable length Mosaic pendant Necklace length: 40cm, extendable by 8cm

Per Una Styled Floral Emroidered Lace Shorts, at M & S
Fresh and feminine, these stylish shorts are made from soft stretch lace. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Chrome Collection Soap Dispenser, at Marks & Spencer
H19 x Diam 5.5cm Chrome design, Manufacturer: Marks & Spencer

Jacquard Patchwork Curtains, at Marks & Spencer
Pencil pleat Patchwork jacquard design Fully lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) widths Also comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

2 Cotton Rich Plus Firm Control Low Leg Briefs, at Marks & Spencer
The perfect choice for providing you with essential everyday confidence! Firm control creates a more streamlined silhouette while a low leg ensures these comfy knickers sit perfectly on the form

Gothic 5 Arm Chandelier, at Marks & Spencer
Candle effect shades 5 arm Hand finished H50 x D54cm Bulbs: 5 x 60W SES This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Hooded Faux Fur Trim Gilet, at Marks and Spenser
Comfortable and practical, this warmly padded gilet jacket features a hood. Great for keeping out the chills

Pure Cotton Long Sleeve Crochet Cardigan, at Marks n Spencer
Knitted in pure cotton, this pretty crochet cardigan will keep her warm and comfy. It looks cuddly too!

Autograph Silk Rich Tie Front Cardigan, at Mark & Spencers
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

Girlie Dress Up Lunch Bag, at Marks and Spencer
Single handle Girlie dress up design Zip fastening H18cm x W24cm x 8cm

Large Pillar Candle, at Marks & Spencer
Pillar shape Single wick Non fragranced Plain, Manufacturer: Marks & Spencer

3/4 Sleeve Longline Jumper with Angora, at Marks and Spencer
A touch of angora adds fluffy softness to this flattering jumper. A fabulous fashionable look

Pinot Grigio Pfalz Qualitätswein 2007 - Case of 12, at Marks & Spencers
Style: Dry, light to medium bodied Grape variety: Pinot Grigio (Pinot Gris) Country of origin: Germany Closure: Synthetic closure 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

Cocktail 21st Birthday Card, at Marks and Spenser
Cover Text: 21 Inside Message: wishing you a birthday full of fun! Approx size: 125 x 177mm

Hastings Bedside Chest, at M+S
H58 x W47 x D43cm 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

Criss Cross Bodyshaper Swimsuit, at Marks & Spencer
Gorgeous and glamorous, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. A stylish, shapely look

7 Piece Newborn Pure Cotton Animal Set, at M+S
Ideal for new arrivals, this cute and practical set contains: a jacket, 2 crawler, 2 bodysuits, t-shirt and bib. A great value pack in soft comfy cotton

5 Cotton Rich Spot Print Bikini Knickers, at Marks & Spencers
These spot print cotton rich bikinis are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Autograph Chunky Face Analogue Watch, at Marks and Spencer
Chunky face Analogue Round face Date indicator Leather strap

Besides Marks & Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 Financial Services 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.