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

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers 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 Home 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 Spenser, 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.

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 & Spencer 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 Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

2 Mosaic Stackable Chairs, at Marks&Spencer
H96 x W56 x D56cm Sold as a pair Metal frame Polyester seat pads included Suitable for indoor and all-weather outdoor use Individually hand crafted Please note that this range uses natural stone and grouts and therefore the colours within the products may vary from those shown and may change over time This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Small Cheetah Soft Toy, at Marks & Spencer
Suitable for ages 0-3yrs H15cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Harvard Body Spray, at M&S
150 ml This product is not available for international delivery. Find out more

Silver Plated Abalone Necklace & Earrings Set, at Marks n Spencer
Y shaped necklace Drop style earrings Abalone effect This product is not available for international delivery. Find out more

iPodŽ Camera Connector, at M&S
Compatible with colour display iPod and iPod video Requires iPod photo software v1.1 or later 2 year guarantee 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

Collezione Gradient Stripe Tie, at M+S
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Cut Flowers Pot Pourri Box, at M & S
Cut flowers frangrance Presented in a box, Manufacturer: Marks & Spencer

Maternity Plain Leggings, at Mark's & Spencer
Pretty and feminine, these leggings are designed to flatter you and your bump. The stretch waist gives a neat, comfortable fit with room for growth

2 Autograph Modal Blend Assorted Hipsters, at Marks & Spenser
Made from soft, luxurious modal blend, these superior hipsters are designed for exceptional comfort, a fashionable look and a flattering fit

Floral Foil Cousin Birthday Card, at MarksandSpencer
Cover text: Happy Birthday Cousin Inside message: Blank for your own message Approx size: 150 x 150 mm

Pure Cotton Contrast Stitch Denim Cargo Trousers, at Marks & Spensers
Casual and relaxed, these stylish cotton belted cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

2 Pairs of Ribbed Socks, at Marks and Spenser
Perfect for the school year ahead, these socks are oh so smart. The elastane ribbed tops ensure they'll stay up all day

Cross Strap High Heel Shoes, at Marks & Spenser
Heel height: 85mm Almond toe Elasticated cross strap Slip on High heel Comes in sizes 3-8, including half sizes

Stainless Steel Casserole Pot, at M+S
4.7 litre capacity Glass lid Side and lid handles, Manufacturer: Marks & Spencer

Maritza Swirl Bracelet, at Marks n Spencer
Stretch style Mixed beads

First Readers The Emperor's New Clothes, at Marks and Spencers
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

Per Una Essentials Modal Rich Pintuck Shorts, at Marks & Spensers
Feminine and delicate, these stylish shorts are made from a soft comfortable modal rich fabric. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Single Breasted 3/4 Sleeve Pleat Jacket, at Marks and Spencers
Chic and stylish, this pleat detail jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Pure Linen Wide Leg Beach Trousers, at Marks and Spencers
A fashionable relaxed look in pure linen - summer's coolest fabric!

Sonoma Dark Triple Wardrobe & Bedside Chest Set, at Marks & Spencers
3 piece set Wardrobe: H200 x W130 x D65cm 1 hanging rail and 1 shelf behind double doors 1 hanging rail and 4 shelves behind single door 3 drawers Chests: H60 x W45 x D45cm Elongated wooden handles Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Legs made from solid hardwood Door frames made from solid wood. Door panels made from White Oak veneer 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Piece Pure Cotton Owl Dungaree Outfit, at Marks and Spencers
Fashionable and practical, this cute 2 piece dungaree outfit features an owl motif and assorted buttons detail. It's made from soft cotton to keep her comfortable and happy.

Limited Pure Cotton Long Sleeve Cardigan, at Marks and Spencers
Knitted in pure cotton, this cute cardigan will keep him warm and comfy. It looks cuddly too!

Per Una Dip Dye A-Line Skirt, at Mark & Spensers
A colourful A-line skirt in a soft cotton blend featuring dip dye design

Older Boys' Camouflage Clog Sandals, at M&S
Multi air hole feature Camouflage design Adjustable strap with riptape fastening Flat sole

LEGOŽ Creator Mini Vehicles, at MarksandSpencer
Suitable for ages 6-12 Imaginative play This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Antique Nickel Mirror, at Mark & Spencers
Freestanding Round mirror H36 x W14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Artificial Cherry Blossom in Ceramic Vase, at Marks and Spencer
Artificial cherry blossom Ceramic oval pot Height: 80cm, Manufacturer: Marks & Spencer

Bamboo Long Handle Dry Body Brush, at Marks and Spencer
Bamboo wood Double sided oval brush head Long handle

Silver Tree Chardonnay 2007 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: South Africa Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Holiday Tech Sandals, at Marks and Spencer
Round toe Lace-up fastening Grip sole

Marks & Spencer 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 Motor 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; Motor Insurance and Home 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 Home 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.