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

Marks & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Mark & 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 Money 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 Money loans, credit cards or Property Insurance - besides a number of other insurance products, M+S Money 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 Money insurance products (Property 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 Marks & Spenser insurance products in document format too.

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 & 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 Spencer, through its M+S 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Collezione Pure Silk Multi Stripe Tie, at M&S
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

125 Years Cheery Families Game, at Marks and Spencer
Cheery families game Vintage style images Boxed, Manufacturer: Marks & Spencer

5 Assorted Design Rings, at Mark & Spensers
Pack of 5 Assorted designs Gift boxed

Pure Cotton Animal Print Kaftan, at Marks & Spensers
Modern and stylish, this fashionable kaftan features a striking animal print. The ultimate in poolside glamour

Music Keyring, at Marks & Spencers
You'll never lose your keys again with this eye-catching keyring and it's music design

Side Panel Swimsuit, at Marks & Spencer
Modern and shapely, this flattering swimsuit is designed in the latest shape. A fabulous fashionable look

Petite Knee Length Belted Pencil Skirt, at M+S
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Classic Rose Ballet Pumps Slippers, at M & S
Treat your feet to the warm comfort of these ballet slippers. They're a terrific option for lounging around the home in cosy style

Small Value Soft Leaf Print Rollercase, at Marks & Spencer
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

Cotton Rich Chunky Cardigan, at Mark's & Spencer
Contemporary and casual, this long sleeve cardigan is made with comfortable breathable cotton. A fabulous fashionable look

Floral Print Flexilite Umbrella, at Marks & Spencers
Brighten up rainy days with this stylish lightweight umbrella

Belle Tour Chardonnay 2007 - Case of 12, at MarksandSpencer
Style: Dry Grape Variety: Chardonnay Country: 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

5 Cotton Rich Butterfly High Leg Knickers, at Marks & Spencer
These high leg cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Samsung 22'' LE22B450 HD Ready LCD TV, at Marks & Spencers
HD Ready 1080p: High Definition Multimedia Interface™ (HDMI) connections make your TV a multimedia centrepiece. Connect HD digital devices like disc players, game consoles, and satellite dish components into the rear connection for displaying an HD source on an HDTV Display: Samsung's proprietary picture quality DNIe+ enhancing engine with a 22 inch viewable screen and a display resolution of 1366 x 768 Contrast: High contrast Dimensions: With table stand: W557.8 x H437.4 x D216mm, without table stand: W557.8 x H384.1 x D75mm Weight: Including stand - 6.5kg, Without stand - 5.1kg SRS TruSurround XT: SRS Trusurround HD & Dolby Digital Plus for enhanced surround sound effect Connectors: HDMI x 1, composite (AV) x 1, PC input (D-sub) x 1, Component(Y/Pb/Pr) x 1, RF Input x 1, Headphone x 1, Scart x 1 DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Additional features: Sleep timer, clock & On/off timer, auto channel search, auto power off, auto volume leveller, game mode, teletext(TTXT) 1000p

Round Wall Clock, at Mark & Spensers
Round face Standard numerals H26 x D26 x W4cm Weight: 0.5kg 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

Gold Label Reserve Cabernet Merlot 2006 - Case of 12, at MarksandSpencer
Style: Full bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: France 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

The Dangerous Book for Boys Go-Cart Birthday Card, at M&S
Cover text: The Dangerous Book for Boys Inside message: Have a dangerous birthday! Approx size: 150 x 150mm

Per Una Pure Cotton Crochet Trim Shirt, at Marks and Spencer
A smart sleeveless shirt in pure soft cotton. Crochet trim details give it the Per Una touch

Divan Sets - F400 ZIPL/NON STO, at Marks & Spencer
Manufacturer: Marks & Spencer

Philips 5000 series 47" Full HD 1080p LCD TV, at Mark's & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 47 inch LCD Full HD W-UXGA Act. matrix Screen enhancement Anti-Reflection coated screen Audio: Nicam Stereo, Incredible Surround, Treble and Bass Control Connectors: HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0, Audio L/R, CVBS in, RGB, YPbPr, Audio L/R in, Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Child Protection: Child Lock+Parental Control Ease of Installation: Auto Programme Naming, Automatic Channel Install (ACI), Automatic Tuning System (ATS), Autostore, Fine Tuning, PLL Digital Tuning, Plug and Play Ease of Use: Auto Volume Leveller (AVL), Delta Volume per preset, Programme List, Settings assistant Wizard, One-stop Home button, Favourite programme selection Power consumption: 250 W Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries Dimensions: H71 x W115 x D9cm (without stand) H77 x W115 x D30cm (with stand) Weight: 22.1kg (without stand) 26.1kg (with stand) Use wall mount T042104 to perfectly mount this TV 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

Orpale Grand Cru Champagne 1998 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Nintendo Wii™ Console with Sonic and The Black Knight & Monopoly Games Bundle, at Mark & Spencers
Includes Wii™ console with wireless Wii Remote and Wii Nunchuk, Monopoly and Sonic and The Black Knight Sonic and The Black Knight: Sonic returns to the Wii to take a wild ride through the storybook world of Camelot in his all-new adventure Sonic and the Black Knight Monopoly: Celebrating over 70 years of family fun, the legendary property trading game Monopoly is hitting Wii in a whole new way! Access online Wii™ Channel for news, weather, photo viewing, message boards and more Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Completely backward compatible, all the way to the NES of the 1980s Fully compatible with GameCube games Supports up to 4 GameCube controllers 2 slots for Nintendo GameCube Memory Cards Plays two disc formats in a single, self-loading media bay Comes with A/V cable and UK power adapter Features a processing chip from IBM and a graphics chip from ATI

Cotton Rich Floral Print Shorts, at M+S
Low rise shorts are perfect for wearing with hipster styles and these pretty floral print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Collezione Pure Wool Single Breasted 2 Button Jacket, at Marks and 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

Winita Mannequin Jewellery Holder, at Marks and Spencers
Mannequin design Multiple hooks H18"

3 Pairs of Older Girls' Plain Shorts, at Marks and Spencers
Comfortable, practical and fashionable, this 3 pack of plain shorts makes a great way to stock up on style

Travel Speakers, at Marks & Spenser
Portable size 4 x 1.5V AAA batteries included Specially designed sound chamber with heavy casing to provide extra bass. Built in amplifier Unique retractable speaker from the main body and speaker to give you stereo sound. 3.5mm jack for connecting to your CD or MP3 player or your computer Power switch on/off with LED light For added functionality and portability, the speakers can be powered either through an AC adapter or with batteries Remove isolator tab before use 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

4 Maxim Tall Tumblers, at Mark & Spensers
Pack of 4 H14cm 35cl, Manufacturer: Marks & Spencer

Cotton Square Panel Shade, at M & S
Angled flat sides Fitted with reversible carrier to allow use as a pendant or table lamp shade Fits to your existing bulbholder No wiring necessary H30 x W31 x Depth 31cm Bulb: 100W GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Open Toe Floral Spot Mule Slippers, at Marks & Spenser
Fun and fashionable, these open toe slippers feature floral and spot print and they're machine washable for added convenience. Relax in style and comfort!

There are lots of ways to save money using M+S Money. Not least of these is Mark's & Spencer Standard Motor Insurance. With M+S Money you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spensers, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from M&S Money Direct, you get more, and you pay less.