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

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&Spencer, through its M&S Money Direct 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.

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

Also, on both M&S Money Direct Premier Property Insurance and Standard Property 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.

Per Una Floral Print Bikini Top, at Marks & Spencers
A stunning halterneck bikini top featuring removeable pads and a floral print

Hard-Top Divan with 4 Large Drawers & M100 Mattress, at Marks and Spencer
No turn mattress Mattress and divan are anti-allergy Hard-top divans have a rigid, unsprung frame for a firm feel Divan height: 41cm 4 large drawers Divan drawer sizes: H14 x W78 x D52cm Double 4ft 6in: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Pure Silk Piped Cushion With Recycled Filling, at Marks & Spensers
Square shape Plain L50 x W50cm, Manufacturer: Marks & Spencer

Pop-Up Laundry Basket, at Mark & Spensers
Pop-up feature Carry handles, Manufacturer: Marks & Spencer

Circle Shell Drop Earrings, at Marks&Spencer
Hook fastening Drop style Circle shell design Contrast open circle feature

Nintendo Wii™ Need for Speed: Undercover, at M&S
You must be 12 years of age or over to purchase this product Go Deep Undercover: Race into an action-packed story of pursuit and betrayal. Take on jobs and compete in races to prove yourself as you infiltrate and take down an international crime syndicate Highway Battle: Fight off the cops and others as you take down your prey in high-speed, high stake multi-car chases. New and vastly improved A.I. mechanics mean more aggressive and intelligent cops focused on taking you out fast and by any means necessary Own the Open World: Tear across the massive highway system and discover the open world of the Gulf Coast Tri-Cities area, with three unique cities connected by an extensive highway system Heroic Driving Engine: An all-new game engine lets you pull off amazing moves for the ultimate driving edge 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 *Must be returned with the tamper seal intact for full refund, Platforms: Nintendo Wii, ESRB Rating: Teen

Ultimate Wordsearch Puzzles, at Mark & Spensers
The is a superb collection of over 600 puzzles to challenge and entertain. Perfect for everyone, these books will suit both the beginner and puzzle expert

Sony Bravia 46" KDL-46W5500 HD 1080p LCD TV, at Marks & 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: LCD Sony Bravia Engine 3 with a 46 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 100000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W112.3 x H77.2 x D33cm, without table stand: W112.3 x H72.5 x D9.6cm Weight: weight inc. stand 27.5kg, weight without stand 24kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Multi Bead Drop Earrings, at Marks & Spenser
Hook fastening Drop style Multi bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Baroque Jacquard Duvet Cover, at MarksandSpencer
Single (3ft) Double (4ft 6in) King Size (5ft) Super King Size (6ft) Abstract baroque jacquard design, Manufacturer: Marks & Spencer

3 Mini Diamanté Photo Frames, at Marks and Spencer
Set of 3 assorted shapes: circle, star and square Glittering design Star: 4 x 4cm (1.5 x 1.5") Circle: D4cm (1.5 x 1.5") Square: 4 x 4cm (1.5 x 1.5"), Manufacturer: Marks & Spencer

Older Girls' Cotton Rich Heart Print Bra & Shorts, at Marks and Spencer
A pretty matching set in cotton rich fabric. The heart print bra and shorts are designed for a supportive and comfortable fit. Non-wired designs are the best choice for first bras

0 - 3 Brights - MAG/MIRROR LAPTOP, at Marks & Spensers
Manufacturer: Marks & Spencer

Blue Harbour Funnel Neck Fleece Jacket, at Marks and Spenser
Relaxed and cosy, this funnel neck fleece jacket makes a warm and comfortable extra layer

Sprung-Edge Divan with 4 Large Drawers & M400 Mattress, at Marks & Spensers
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Per Una Crochet Bikini Top, at Marks and Spencer
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

Peppa Pig Birthday Card, at Marks n Spencer
Cover text: Happy birthday Inside message: Have a fantastic day Approx size: Unfolded: 215 x 150mm

Lightweight Animal Print Sequin Scarf, at Marks & Spencers
Add a fashionable finishing touch to your look with this elegant metallised animal print scarf. The perfect accessory to this season's styles

Per Una Short Sleeve Cornelli Tab Cardigan, at Marks and Spencers
A casual short sleeve cardigan in a soft knitted fabric featuring an embroidered design and scoop neck

M&S 32'' HD Ready LCD TV, at M&S
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch flatscreen display with 1366 x 768 pixels Contrast Ratio: 7500:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H58 x W80 x D24cm Sound: Nicam stereo Connectors 1 x HDMI input, 1 x Scart socket 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount

Albany Cereal Bowl, at Marks and Spencers
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

Radcot Hideaway, at Marks and Spencer
2 beds Single 3ft: L204 x W105cm Headboard H104cm Endboard H79cm Second bed comes with fold-away legs Comes with 2 traditional open-coil mattresses Made from solid oak Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Signature Grapefruit & Ginger Refill, at Marks and Spencer
Highly scented Electrical diffuser refill 15ml, Manufacturer: Marks & Spencer

Watercolour Vases Grandma Birthday Card, at Marks and Spencer
Cover text: Birthday wishes for a beloved Grandma... Inside message: Have a wonderful day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Droplets Silver Wedding Anniversary Card, at Marks & Spenser
Cover text: Congratulations on your Silver Wedding Anniversary Inside message: Blank for your own message Approx size: Unfolded: 176 x 126mm

Draping Wisteria Embroidered Duvet Cover, at Marks and Spencer
Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft) Embroidered duvet cover, Manufacturer: Marks & Spencer

Pearlescent & Flock Flowers Large Gift Bag, at Marks & Spencers
1 gift bag with tag Floral design Approx size: H:360 x W:270 x D:100mm

Brushed Metal Bling Wall Clock, at Marks & Spenser
Round face Standard numerals Brushed metal, Manufacturer: Marks & Spencer

Norton AntiVirus™ 2009 1 Year Protection for up to 3 Home PCs, at Marks and Spencer
Core Security: Protects against viruses, spyware, Trojan horses, worms, bots, and rootkits. Reduces scan time with smart scanning, so you can work and play uninterrupted Advanced Security: Protects against the latest threats with a proactive, multilayered protection system, prevents others from taking control of your PC and using it to attack other PCs Networking: Helps secure and monitor your home network. Automatically secures your PC when connecting to public wireless hotspots Support: AutoFix technology will diagnose and fix common problems for you Suitable for 3 pcs for 1 year 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

Angel Cotton Rich Stripe First Bra & Shorts Set, at Marks & Spencers
This simply styled great value bra set is ideal for everyday wear. It's made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks and 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 M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencer 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 Direct loans, credit cards or Property Insurance - besides a number of other insurance products, M&S Money Direct 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 Direct 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 M&S insurance products in document format too.