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 & Spencers Money financial products are, of course, designed to make Marks and Spenser 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 Marks & Spencers 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 Marks & Spencers Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks&Spencer 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Mark & Spensers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers 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."

Marks & Spencers Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencers Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks & Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

ARCHOS 5 DVR Station for Internet Media Tablets, at Marks & Spenser
TV Recording: Easily record your favorite programs with the included TV program guide.Select your program on the program grid and schedule the recording with a click of the remote control. Record from most any external analog video source such as your satellite receiver, Digital TV adapter (DVB-T), VCR or cable box HD content playback: Play back HD videos up to 720p from your ARCHOS to your TV Full internet experience: Browse the Web comfortably and write your emails using the included remote control Faster charging: Charge your Internet Media Tablet quickly Media club: Discover a large library of movies, documentaries, music albums and games. Buy or rent your content in a few clicks and get instant access to it on your TV Stream from PC: Stream any of the music, movies or photos from your PC to your TV using your WiFi home network Multi-channel sound: Enjoy your films with 5.1 Surround Sound on your home cinema system through the SPDIF output Suitable for the ARCHOS 5 Internet Media Tablet 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

Layered Glass Mantle Clock, at Marks&Spencer
Roman numeral designed clock face Tiered glass frame 600 grams 15 x 12 x 3cm, Manufacturer: Marks & Spencer

Cotton Blend Floral Button Jeans, at Marks and Spencer
Fashionable and practical, these cotton jeans are hardwearing and comfy. Floral buttons give a cute look

V-Neck Longline Pocket Cardigan, at M&S
A touch of lambswool adds warmth and softness to this fashionable longline cardigan. A glamorous modern look

Cotton Rich Straight Leg Jeans, at Marks & Spencers
Simple and stylish, straight leg jeans are a modern classic. This pair sits on the waist and are cut to give a sleek flattering shape that's always in style. Added stretch gives the perfect fit

Handcrafted Laser Cut Doves Valentine Card, at Mark & Spencers
Cover text: LOVE 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: Unfolded: 150 x 150mm

3 Enamel Diamanté Photo Frames 5 x 8cm (2 x 3''), at Marks and Spencers
Diamant detail Beaded trim Aperture: 5 x 8cm (2 x 3''), Manufacturer: Marks & Spencer

3 Piece Cotton Rich Floral Outfit, at Marks and Spencers
Fashionable and practical, this cute 3 piece outfit features embroidered detail. It's made from soft cotton fabric to keep her comfortable and happy

Watercolour Floral Print Bikini Top, at Marks and Spencers
Stylish and elegant, this fashionable bikini top features a striking floral print. A fabulous fashionable look

Portfolio 3/4 Sleeve Nehru Collar Blouse, at Marks and Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Cosmetic Floral Weekender & Purse Set, at M+S
2 part set Floral print weekender bag with double handles and zip fastening Floral trim purse with zip fastening Lined

Newborn Little Monster All In One & Shoes Gift Set, at Marks and Spencer
2 part set Popper fastening, stripe all in one suit with 'little monster' slogan and motif Slip on shoes with 'little monster' motif

Gold & Cream Car Wedding Card, at Marks & Spensers
Cover text reads: Just married Inside message: With love on your special day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Pacific Corner Group, at M+S
H92 x W214 x D91cm Seat: H54cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 Cushion covers are removable on this range Frame made from solid wood wrapped in pandan. 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 Pine feet with a light finish Includes 2 free matching bolsters Can be arranged to fit both left and right room corners 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

Pure Cotton Gem Buckle Captain Hat, at M & S
Keep ahead of the trends with this contemporary gem buckle sunhat, an essential look for style in the sun

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

Limited Collection Linen Rich Ruffle Dress, at Marks & Spencer
Part of Limited Collection's Club Rio trend - get tropical in a heady mix of hot, sun-drenched hues and modern graphic prints with fresh white accents. A fashion-conscious holiday look

Fine Chenille Throw, at Marks and Spencer
Small: W150 x L200cm Large: W230 x L240cm Multi purpose with fringed edges Comes in large or small sizes, Manufacturer: Marks & Spencer

BT Verve 450 Trio Cordless Phones with Answer Machine, at Marks & Spenser
Fully GAP compatible (register up to 5 handsets) 200 name and number directory Text messaging Clock/alarm Call timer Caller groups with individual ring tones Conference call 10 hours talktime, 100 hours standby Up to 15 minutes recording time for the answering machine Message counter Answer only option Playback through base or handset Call screening 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

Pure Cotton Funnel Neck Stripe Sweatshirt, at Marks and Spenser
Smart and stylish, this funnel neck sweatshirt is made from cool comfortable cotton and features a stripe design

Ribbed Thermal Leggings, at Mark & Spensers
Keep your legs feeling warm during the colder months with these cosy thermal leggings. Pair with a skirt for a great winter look or wear them under your trousers for a snug extra layer

Two Dozen Metre-Long Premium Freedom® Roses, at Marks and Spencer
The ultimate in romantic luxury, make an impression they'll never forget this Valentine's with two-dozen long-stem premium roses. In deep shades of vibrant red, these stunning Freedom roses are cut to approximately a metre in length to create a deluxe bouquet that's simply unforgettable

Pure Duck Down Pillow, at Mark's & Spencer
Pure duck down 230 thread count and 100% cotton downproof cover Light and natural filling W48cm x L76cm, Manufacturer: Marks & Spencer

Margaux La Petite Echoppe 2006 - Case of 6, at Marks and Spencer
Style: Full-bodied Grape variety: Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl Alcohol by volume: 13% 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

Total Support All Over Lace Bra, at Marks and Spencer
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Brushed Metal Photo Frame 20 x 25cm (8 x 10''), at Marks and Spencers
Rectangle design Brushed metal effect Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

Small Bow Gift Bag, at Marks&Spencer
1 gift bag Small satin bow feature H160 x W160 x D90mm

Holographic Flowers Birthday Card, at Marks & Spensers
Cover text: Birthday Girl Message: Blank for your own message Approx size: 150 x 150mm

5 Cotton Lycra® Midi Knickers, at Marks & Spensers
These cotton rich low leg midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Sushi Party Selection, at Marks and Spenser
32 pieces Serves 8 Ready to eat Contains sesame seeds 732g As featured on page 10 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Marks and Spenser 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 and Spenser 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 Marks & Spencers Money 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 Marks & Spencers Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money 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 and Spencer insurance products in document format too.