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

When you're shopping at Mark & Spencers 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 Buildings Insurance and Car Insurance, there's a lot more going on at Marks & Spencer 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 and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings 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 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 & Spencers Money loans, credit cards or Buildings 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 (Buildings 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 Spencers insurance products in document format too.

Sterling Silver Double Oval Earrings, at MarksandSpencer
Hook fastening Double oval design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Piedmont Chardonnay 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Chardonnay & Cortese Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 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

2 Pure Cotton V-Neck Sports T-Shirts, at Marks and Spencers
These t-shirts are ideal for sports and PE. They're made from pure cotton and feature puff sleeves and V-necks

Autograph Essentials Pure Silk Animal Print Shift Dress, at Marks and Spencer
Feminine and elegant, this shift dress is beautifully designed and detailed with animal print. An exclusive, luxurious look from Autograph

Harvard Aftershave, at Marks and Spencer
100ml This product is not available for international delivery. Find out more

Elle - Magazine Gift Subscription, at M+S
ELLE is the world's biggest selling fashion magazine. Sexy, stylish and spirited, ELLE inspires readers to celebrate their individual style and is the must-have fashion guide for every season. A subscription to ELLE makes the perfect gift for anyone with a passion for fashion

Chargrilled Vegetable Pizza, at Marks & Spencers
Serves 4-6 Ready to cook Suitable for freezing 615g As featured on page 40 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Mosaic Collar Necklace, at Marks & Spencer
Chunky design Clasp fastening Adjustable length Necklace length 41cm, extendable by 8cm

Blue Harbour Plain Linen Rich Short Sleeve Shirt, at Mark & Spensers
Relaxed and stylish, this plain short sleeve shirt is outstanding value!

Autograph Weave Print Tie, at Marks and Spencers
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

Tonal Floral Shorts, at Marks and Spencer
These pretty floral print shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Pure Cotton Long Sleeve V-Neck Top, at Marks & Spencers
Chic and modern, this long sleeve v-neck top is made from cool comfortable cotton and features a floral print

Big & Tall Stormwear™ Single Pleat Trousers with Wool, at Marks and Spencers
Innovative and stylish, these single pleat trousers are made with Stormwear™ technology. The unique water and stain repellent finish keeps you feeling dry and comfortable. Perfectly proportioned for big and tall men

Blue Harbour Heritage Pure Cotton Check Shirt, at Marks & Spensers
Relaxed and stylish, this long sleeve check shirt is made from pure cotton so it feels soft and comfortable to wear

Catch Mitts, at M & S
2 gigantic catch mitts 1 ball Carry case Colourful design For outdoor use This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Older Boys' Pure Cotton Transformers Bumblebee Shorties, at M+S
A must for fans of Transformers these pure cotton shorties feature the popular character Bumblebee

Norton Internet Security™ 2009 1 Year Protection for up to 3 Home PCs, at Mark & Spensers
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 Identity Protection: Inspects websites to make sure they're not fakes, guards against online identity theft 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

XBOX 360® Project Gotham Racing™ 4 Game, at Mark & Spensers
A unique and exciting racing experience compatible with the Xbox 360 Wireless Racing Wheel More than 120 iconic vehicles, including motorcycles, from the world's top manufacturers Race against the elements of Mother Nature Xbox LIVE gameplay 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: Kids to Adults

First Readers Beauty and the Beast, at Marks & Spensers
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Whole Scottish Lochmuir™ Salmon, at Marks and Spenser
Serves 6-8 Ready to cook 2kg As featured on page 39 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Watercolour Floral Calendar, at Marks & Spencers
Month to view Dimensions: 150 x 400mm

Platinum Plated Diamanté Detail Baguette Ring, at Marks and Spencers
Add instant sparkling style with this gorgeous platinum plated ring, set with dazzling diamant.

2 Angel Lace Wing First Bras, at Marks & Spensers
These great value bras are ideal for everyday wear. They're made with stretchy fabric for a supportive and comfortable fit. The unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Per Una Floral Print Sequin Shopping Bag, at Mark & Spencers
Sequin embellishment makes this fashionable bag even more special. Give your look the Per Una twist!

21 Blu-ray DVD, at Marks and Spencer
Rating Suitable for 12 years and over,

M&S 2GB Micro SD Memory Card, at M&S
Compatible with digital devices with a microSD card slot Read (MB /s): 10MB Write (MB /s): 3MB Available capacity: 1940MB 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

Classic Straw Trilby, at Mark & Spencers
Keep your cool in this straw sun hat, a summer and holiday essential

Lichfield Extending Dining Table & 6 Santiago Leather Dining Chairs Set, at Marks and Spencers
Extending dining table: H75 x L145 x W95.5 extends to L195cm Table seats 6-8 Comes with extension leaf to seat 8 Extension leaf is stored beneath the table top Leather dining chairs: H98.5 x W43 x D46cm seat H49cm (from the Santiago collection) Table made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Chair frames made from solid European hardwood Top panel is veneered with solid oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Angular Prail Necklace, at Marks & Spencers
Clasp fastening Adjustable length Knotted cord chain Angular bead design Necklace length 40cm, extendable by 8cm

Large August Bouquet Bundle, at Marks & Spensers
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. A vase and free 310g luxury Belgian chocolates make this an extra special gift. Includes 50% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

Besides M+S Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings 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 Marks & Spencers Money 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 & Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings Insurance and Standard Buildings 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.