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. 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at Marks & Spencer Money 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 Marks & Spencer Money website:

• M&S Insurance: M&S Motor Insurance, M&S House 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 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.

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

St Romain 2006 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Autograph Vintage Rose Embroidered Padded Bra, at Marks & Spencer
Glamorous and sexy, this padded balcony bra features a floral embroidered design. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Pure Cotton Short Sleeve Palm Leaf Print Top, at M & S
This short sleeve top will make a useful addition to your wardrobe. It features a pretty palm leaf print for a stylish casual look

Silver Plated Crystal Stud Trio Earrings, at Marks and Spencers
3 pairs Crystal stud design Assorted colour For hygiene reasons, refunds will only be given in accordance with your legal rights

Chateau Richemont White 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: 100% Sauvignon Blanc Country of origin: France 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

Girls' Limited Star Print Vest Top with Shrug & Leggings, at Marks & Spencer
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Nail Cuticle Care Treatment, at M&S
11ml

Grace Cereal Bowl, at Mark's & Spencer
Leaf design Fine China Diam 17cm, Manufacturer: Marks & Spencer

Rosina Large 2-Seater Sofa, at M+S
H82 x W196 x D97cm Seat: H45cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cotton Rich Knitted Dress & Leggings Outfit, at Marks&Spencer
Practical and pretty, this cute stripe knitted dress and leggings 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Recycled Cool Comfort Waist Slip, at Mark's & Spencer
This innovative slip is cling resistant and designed to keep you feeling cool, dry and comfortable. It's made with polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

PURE ChargePAK E1 Rechargeable Battery Pack, at Marks and Spencers
Easy to install - can be fitted in seconds Easy to use - just fit and forget Charges inside the radio, no separate charging unit required Increased battery life per charge over standard rechargeable batteries Replaces the need for throwaway alkaline batteries Provides up to 24 hours wireless listening Battery specification: lithium-ion 3.7V 8800mAh Compatible with PURE radios: EVOKE Flow, EVOKE Mio, EVOKE-1S, EVOKE-2S 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 Free 2 year guarantee *Must be returned with the tamper seal intact for full refund

Sweet Bergamot Scented Inclusion Candle, at Marks & Spencers
Rectangle shape Includes wood plate Sweet Bergamot scent Burns upto 40 hours, Manufacturer: Marks & Spencer

Doves First Communion Card, at Marks & Spensers
Cover text: Celebrating your first communion Inside message: Have a wonderful day! Approx size: 174 x 126mm

Harbour Scene 60th Birthday Card, at Marks and Spencer
Cover text: Happy 60th Birthday Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Collezione Wool Rich Single Breasted 2 Button Plain Jacket, at Marks&Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 garment to give you a feeling of luxury like no other

Pure Cotton Chandelier Embroidered Duvet Cover, at Marks & Spensers
Embroidered chandelier design Comes in single (3ft), double (4ft 6'), kingsize (5ft) and super-kingsize (6ft) Co-ordinate with Supima white plain dye sheets and pillowcases strokes T351720F,T351720S,T351720P,T351720V, Manufacturer: Marks & Spencer

Classic Collection Pure Silk Lightweight Trailing Floral Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk floral print scarf. The perfect accessory to this season's styles

Stripy Mortar Board Graduation Card, at Marks and Spenser
Cover text: Well Done! On your graduation Inside Message: Blank for your own message Approx. Size: 150 mm x 150 mm

3 Pairs of Cotton Rich Contrast Heel & Toe Socks, at Marks & Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Autograph Essentials Wool Rich Wide Leg Trousers, at Marks n Spencer
Luxurious and contemporary, these smartly tailored wool rich wide leg trousers are part of our exclusive Autograph range

Automatic Umbrella, at Marks and Spencer
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

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

Autograph Square Porcelain Soap Dish, at Marks & Spencer
H2 x L14 x W9cm Stripe design Square dish, Manufacturer: Marks & Spencer

40 Denier Opaque Tights, at Marks and Spencer
These comfortable 40 denier opaque tights are made with added stretch and a reinforced toe for durability

Younger Girls' Stud Skinny Belt, at Marks n Spencer
Fun and fashionable, this multi stud belt adds a stylish finishing touch

Wall Art Wire Tree, at Marks and Spencers
Handcrafted Made of mild steel wire Approx size: 76 x 1 x 53cm, Manufacturer: Marks & Spencer

Flock Heart Wedding Card, at Marks and Spencer
Cover text: WEDDING Inside message: Blank for your own message Approx size: Unfolded: 178 x 126 mm

Leather Mini Bag, at Marks & Spencer
Fashionable and practical, this mini bag features a secure zip fastening

Pure Cotton Knee Panel Jeans, at Mark's & Spencer
Jeans are a wardrobe essential and this straight leg pair make a fashionable and practical choice

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

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