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 Mark's & Spencer are so useful. Marks & Spencer Money financial products are, of course, designed to make M & S 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but Mark's & Spencer 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 & Spencer 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 Marks & Spencer Money loans, credit cards or Household Insurance - besides a number of other insurance products, Marks & Spencer 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 & Spencer Money insurance products (Household 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.

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

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

3 Easycare Short Sleeve Blouses, at MarksandSpencer
This 3 pack of easycare short sleeve blouses is outstanding value. Taped reinforced seams give a smooth neat look

Portfolio Pure Cotton Denim Belted Skirt, at Marks n Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Plain Swimming Trunks, at Marks & Spensers
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

Limited Collection Slingback Bow Shoes, at Marks & Spensers
Open toe Slingback style Mid heel Bow detail Comes in sizes 3-8, including half sizes Heel height: 6cm

Girls' Limited Cotton Rich Denim Leggings, at Marks n 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

Per Una Cornelli Cleopatra Top, at Marks & Spencers
A fashionable sleeveless top featuring cornelli neck embellishment

Handcrafted Scruffy Dogs Husband Valentine Card, at Marks and Spencer
Cover text: To a special Husband... ... on Valentine's Day Inside Message: With lots of love xx Approx size: 150 x 150mm

Philips Power2Charge Universal USB Charger, at Mark & Spensers
This power solution provides an easy way to avoid ever running out of power with any of your portable devices on the go. When fully charged, this power solution is able to provide up to 15 hours of power without the need of a power outlet Due to the interchangeable connector tips that are included, this device is fully compatible with most portable devices from a very wide range of brands. Simply choose the connector tip to match your portable device With a world plug, you can be sure you can use this device almost anywhere you go on your business trip or holiday The plug is designed in such a way that it can be folded when not in use to increase portability when on the go Via the illuminated Philips logo, you are informed about the charging status of your device. When the Philips logo starts flashing you know your device is fully charged, so you can unplug it from the power outlet and prevent unnecessary energy consumption When you press the test button, the LED battery capacity indicator shows you how much power is remaining and when it's time to recharge The travel bag supplied with this device is both convenient and useful as it provides extra protection To protect the USB outlet from damage, dirt and dust, a rubber cover can be pushed into place on the USB outlet when the device is not being used Power input voltage: 100-240 V Power output voltage: 5.6 V Battery capacity: 1000 mAh Battery type: Li-Polymer Heavy metals: Cd free, Hg free, Pb free Dimensions: H8.1 x W5.8 x D2.7cm Weight: 0.116 kg

2 Pairs of Younger Girls' Cotton Rich Stripe & Heart Socks, at Mark & Spencers
Cute and comfy, these soft cotton rich socks feature stripe and heart design

Post Surgery Embroidered Padded Bra, at Marks and Spencer
Pretty and feminine, this embroidered bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Lightweight Ombre Stripe Scarf, at Marks and Spencer
With a selection of pretty scarves in your suitcase, holiday dressing is a breeze

Divan Sets - M400Z+SE 4 DRAWER, at Marks n Spencer
Manufacturer: Marks & Spencer

Per Una Roma Wide Leg Trousers, at M & S
A modern wide leg pair of trousers featuring a tab waistband feature with tonal square button

Disney My Friends Tigger & Pooh Story Collection Book, at Marks and Spenser
When Pooh and the gang take a break from painting the scenery for a stage show, they return to find some new colours on the set. But where did they come from? Ready the story to find out if another mystery will soon be history! Then, complete the activity pages at the end of the book. Includes stickers of all your favourite friends

3/4 Sleeve Stripe Print Shirt, at Marks & Spencers
This outstanding value 3/4 length sleeve shirt makes a stylish addition to your wardrobe. A great fashion choice for everyday wear

XBOX 360® - Forza Motorsport 2 Game, at Marks & Spencer
300 of the world's hottest cars for you to collect, personalise and race Lap the competition with true next-generation features made possible by power of the Xbox 360 Experience uncompromising physics Race real world traks such as Silverstone, Tsukuba and Laguna Seca Collect, upgrade and tune hundreds of cars including Ferrari, Porsche, Nissan, VW, GM and Lamborghini Compete online by taking your personalised car onto Xbox Live for some intense online wheel-to-wheel racing 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 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, Platforms: Xbox 360, ESRB Rating: Everyone

Disney Fairies Activity Case, at Marks and Spencers
Fans of Disney Fairies will love this fun activity case which includes a board game, activity book and more!

Per Una Wooden Trim Thong Sandals, at Marks & Spenser
T shape Wooden detail Buckle fastening

Funky Flower Wallpaper, at Mark & Spencers
Manufacturer: Marks & Spencer

Chandelier Embroidered Quilted Bedcover, at Marks and Spencers
L250 x W265cm Embroidered design, Manufacturer: Marks & Spencer

2 Pairs of 15 Denier Shine Bodyshaper Tights, at Marks and Spenser
Bodyshaper tights are made to shape and lift your curves for a firm sculpted look. Added stretch moulds your figure for a more defined silhouette

Autograph New York Eau De Toilette for Women 25ml, at Marks and Spencer
Pump spray 25ml This product is not available for international delivery. Find out more

Portfolio Open Collar Dress, at Mark & Spensers
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Collezione Apron Suede Lace-Up Shoes, at Marks and Spencers
Square toe Stitch detail Lace-up Block heel

Limited Collection Button Detail Military Skirt, at Marks & Spencers
Sleek and stylish, this military skirt makes a fashionable, flattering choice. Get the latest look!

Autograph Supima® Sateen Flat Sheet, at Marks and Spenser
Pleated border Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Classic Collection Short Sleeve Check Blouse, at Marks and Spenser
Feminine and pretty, this check print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

4 Pairs of Autograph Cotton Rich Vertical Stripe Socks, at M & S
Modern and fashionable, these vertical stripe socks are part of our exclusive Autograph collection

Short Sleeve Faux Snake Print Belted Shirt, at Marks & Spenser
Chic and modern, this short sleeve shirt features a stunning faux snake skin design. A vibrant new look, perfect for this season

Pure Cotton Ribbon Pintuck Bedset, at Marks & Spencer
Ribbon detail Pintuck design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spensers 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 Household 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 and Spencer, 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.