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 Spencer are so useful. M+S 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, 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 Money 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 Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

M+S Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Home Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Home Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

When you're shopping at Marks & Spenser 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 Home 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."

Wool Rich Single Breasted 2 Button Jacket, at Marks & Spencer
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Cotton Rich Embroidered Hem Tie Jacket with Silk, at M & S
Elegant and feminine, this tailored cotton rich jacket features a pretty embroidered hem and tie fastening. A smart and stylish choice

Limited Collection Sleeveless Pintuck Top, at Marks & Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Mum & Dad Glitter Text Anniversary Card, at Marks & Spencer
Cover text: Happy Anniversary Mum & Dad Inside message: Blank for your own message Approx size: 175mm x 125mm

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

2 Autograph Plain Slips with Cotton, at Marks & Spenser
Guaranteed to meet your everyday underwear needs, these great slips combine all the comfort and reliability of a cotton and modal blend with a plain design

2 Piece Pure Cotton Check Dungaree Outfit, at Marks and Spencers
Fun and practical, this cute 2-piece outfit features a short sleeve bodysuit and check dungarees. It's made from soft cotton to keep him comfy

Older Boys' Pure Cotton Denim Jacket, at M & S
Relaxed and modern, this denim jacket makes a comfortable and practical choice. It's machine washable for added convenience

Double Breasted Chunky Knit Cardigan, at Marks&Spencer
Modern and stylish, this cardigan is a great work-to-evening style.

Luxury Pure Cotton Long Sleeve Hairline Stripe Shirt, at Marks & Spensers
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Collezione Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencers
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

Mirror Blocks Photo Frame 13 x 18cm (5 x 7"), at Mark's & Spencer
Rectangular frame Mirror blocks design Aperture: 13 x 18cm (5 x 7"), Manufacturer: Marks & Spencer

Limited Collection Cotton Rich Spot Print Vest & Shorts Set, at Marks n Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Coloured Glass Collection - 3 Nature Votives Tea Light Holders, at Marks & Spencer
Pack of 3 Circular shape Rustic bubble effect Glass holders Assorted colours Tea lights included W7.2 x D7.2 x H8cm Burning time: Approx: 4 hours, Manufacturer: Marks & Spencer

Handcrafted Pop-Up Bouquet Large Mother's Day Card, at Marks&Spencer
Cover text: To a special Mum Inside message: On Mother's Day, with love Approx size: Unfolded: 220 x 220mm

The Floral Collection Magnolia Moisture Rich Foaming Bath Essence, at Marks & Spencer
Magnolia fragrance Foaming bath essence Moisture rich 500ml Ingredients: Aqua, Sodium Laureth Sulfate, PEG-6 Caprylic/Capric Glycerides, Cocamidopropyl Betaine, Lauryl Betaine, Parfum, Sodium Chloride, Magnolia Liliflora (Magnolia), Glycerin, Cocamide DEA, Disodium EDTA, Citric Acid, Benzophenone-2, Magnesium Nitrate, Propylene Glycol, Methylchloro-isothiazolinone, Magnesium Chloride, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Citronellol, Geraniol, Isoeugenol, Linalool, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben, CI 15985, CI14700

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

Angel Spot Print First Bra & Knickers Set, at Mark's & Spencer
Soft and comfortable, this spot print bra and knickers set is made from stretch cotton. It's designed to give gentle support and a flattering fit

Fabric Beer Glass Card, at Marks & Spencer
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 178 x 125mm

Blue Harbour Pure Cotton Floral Print Shirt, at Marks and Spencer
Relaxed and stylish, this floral print shirt is made from pure cotton so it feels soft and comfortable to wear

Autograph Weekend Knitted Cowl Neck Dress with Merino Wool, at Marks & 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

James Morrison - Songs For You, Truths For Me CD, at M+S
Audio CD, Marks & Spencer

Secano Estate Rosé Pinot Noir 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

White Ceramic Collection Tumbler, at M&S
Plain Cylinder design H11 x Diam 9cm, Manufacturer: Marks & Spencer

Perfect 3-Piece Aluminium Saucepan Set, at Marks & Spencer
Set contains 3 saucepans with lids Non stick aluminium Tempered glass lids for easy visibility Ergonomic handles for style and comfort Always use wooden or plastic utensils to prevent scratching the non stick surface, Manufacturer: Marks & Spencer

3 Older Boys' Cotton Rich Bart Simpson Trunks, at Marks&Spencer
A must for fans of the Simpsons, these cotton rich trunks feature skateboard Bart motifs

Platinum Diamanté Royal Band Ring, at Marks & Spencer
Plain Band Diamant detail Cluster design

Cotton Rich Drawstring Flared Joggers, at Marks and Spencer
Relaxed and comfy, these casual joggers are made from cotton rich fabric and feature a drawstring waist. A practical easycare choice

Embroidered Raccoon Booties, at MarksandSpencer
Cute and comfy, these practical booties feature an embroidered racoon design. A soft stretchy cuff keeps them on securely

Slinky Lace Trim Waist Slip, at Marks & Spensers
A practical fashion essential you can't do without! This cling resistant waist slip comes in a variety of lengths. It's a must-have for enhancing the look of your dresses and skirts, particularly those that look see-through under light

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 Mark's & Spencer 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.