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

M+S Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Car Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Car Insurance and House Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your House Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 & Spencers 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 Car 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.

4 Scottish Lochmuir™ Melted Middle Mousses, at Marks and Spencer
4 pieces Serves 4 Ready to eat 460g total weight As featured on page 23 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Bloomin Marvellous with 50% More Roses, at M&S
50% more roses when ordering this bouquet for delivery between 21st August to 5th September 2009 This pastel-striped gift bag is packed with a superb selection of roses, chrysanthemums, Asiatic lilies, carnations and hypericum berries Available for delivery from 1st April to 30th September 2009

Per Una 3/4 Sleeve Pleated Blouse, at Marks & Spensers
A casual 3/4 sleeve blouse featuring a pleated neckline detail

Older Girls' Limited Corsage Hat, Scarf & Mittens Set, at MarksandSpencer
Snug and cosy, this pretty hat, scarf and mittens set is a fashionable choice for chilly days

Perfect Autograph Long Sleeve Bold Stripe Shirt, at Marks and Spencer
Earn your fashion stripes this season with this bold shirt, which is right on trend for both pattern and colour

Pure Cotton Spiderman Mock Layer Hooded Top, at Marks and Spencer
Fans of Spiderman will love this mock layered hooded top featuring the popular character. A practical, easycare style

Half Frame Reading Glasses, at Marks and Spencer
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Half frame design

Limited Collection Almond Toe Shoes, at Marks and Spencers
Almond toe Court style Buckle fastening Mid heel Heel height: 56mm Comes in sizes 3-8, including half sizes

North Coast Fairtrade Cotton Textured Shirt, at M&S
Look below to see a video clip about Fairtrade Fairtrade certification shows that suppliers have been paid a fair price for their products and their work. Buying Fairtrade helps support farmers in developing countries and their communities

Dogtooth Print Crook Umbrella, at MarksandSpencer
Brighten up rainy days with this stylish lightweight umbrella

Artificial Red Blossom, at Marks & Spencers
Artificial red blossom No watering required therefore easy care Fresh looking throughout the year Height: 83cm, Manufacturer: Marks & Spencer

Freshfeet Suede Leather Mule Slippers, at Mark's & Spencer
Round toe Faux fur lined Toggle feature Mule style With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Petite Pure Cotton Roll-Up Sleeve Blouse, at Marks and Spencer
Chic and modern, this roll-up sleeve blouse is made from cool comfortable cotton and features a floral embellishment. Specially designed and perfectly proportioned for the petite frame

Silicone Enhancers, at Marks and Spencers
These comfortable and easy to wear silicone enhancers slip into your bra for a realistically and non-surgically improved shape and size

Fenton Armchair, at Mark's & Spencer
H90 x W96 x D103cm Seat H51cm, arm H60cm, top back rail H76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from polyester fibre 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 hardwood feet with dark 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 samples: 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 Cap Sleeve Frill T-Shirt, at Marks & Spencer
This fashionable pure cotton top features stylish frills and pleats for a fresh modern look

Pure Cotton Roll Up Broad Brim Hat, at Marks & Spensers
Express your stylish side with this wide roll up brim hat

Per Una Lightweight Linen Blend Coat with Scarf, at Marks and Spencer
An elegant lightweight coat in a cool linen blend comes with scarf. Notch lapel and single button detail make it extra stylish

Samsung 37'' LE37B650 HD Ready LCD TV, at Marks & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 37 inch Widescreen LCD TV, 1920 X 1080 resolution Contrast Ratios: Ultra Contrast 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: W995.1 x D78.6 x D650.4mm (without stand) W995.1 x D255.0 x H705.9mm (with stand) Weight: 18.5kg (with stand), 14.5kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 2 x Scart, 3 x HDMI, Headphone socket, RF input, S-Video connection, Composite(AV), PCMCIA Card Slot, PC input (D-sub) 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 Ultra Clear Panel: Retains the same high performance in any light conditions 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: 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 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 This product is not available for international delivery. Find out more Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Formal Square Buckle Belt, at Marks & Spensers
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Sprung-Edge Suede Divan with 4 Large Drawers & M200 Mattress, at Marks and Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm 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 Mattress has a soft pillowtop layer Spring count: 522 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 Continuous link mattresses provide a more supportive feel 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

Classic Collection 3/4 Sleeve Cardigan, at Marks & Spensers
Soft and comfortable, this 3/4 length sleeve cardigan makes a versatile extra layer. Dress it up with smart skirts and trousers, or wear it with jeans for a casual modern look

Blossom Tree Embroidered Curtains, at Mark & Spensers
Manufacturer: Marks & Spencer

2 Limited Collaction Cotton Rich Spot & Plain Shorts, at Marks and Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una Textured Jacquard Skirt, at Marks and Spencer
A fashionable knee-length skirt in soft textured fabric, the jacquard design make it extra stylish

Autograph Pure Cotton Bootleg Jeans, at Mark's & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Handcrafted Hey Mum Scruffy Dog Mother's Day Card, at Marks and Spencer
Cover text: Hey Mum... Inside message: Today, and every Mother's Day, n all the years to come, there's Just one thing for me to say, "I really love you mum!" Approx size: Unfolded: 220 x 220mm

Blue Harbour Pure Linen Short Sleeve Check Shirt, at Marks & Spencer
Relaxed and stylish, this check shirt is cut for a great fit. It's made from pure linen, so it feels cool and comfortable to wear.

Pleated Corduroy Skirt with Tights, at Marks and Spencer
Pretty and fashionable, this corduroy skirt with tights is outstanding value!

Blue Harbour Pure Cotton T-Shirt, at M&S
Fashionable and relaxed, this plain t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Car 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 M&S, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M+S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.