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 & Spenser are so useful. M&S Finance 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 Finance 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 Finance House Insurance than you will anywhere else, and you may even pay less with M&S.

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

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers online store. Here are just some of the financial products which can be purchased via the M&S Finance 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 Marks & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

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

Baby Boy Shelf New Baby Card, at Marks and Spenser
Cover text: Baby boy Inside message: With love Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Autograph Patent Leather Overnight Bag, at MarksandSpencer
Luxurious and beautiful, this overnight bag is part of our exclusive Autograph collection. It's made from glossy patent leather, and is useful and practical as well as being a highly desirable fashion accessory

3 Pure Cotton Assorted Words Tea Towels, at Marks and Spencers
3 part set Assorted words designs, Manufacturer: Marks & Spencer

Autograph Double Strand Faceted Long Necklace, at M&S
Clasp fastening Adjustable length Faceted bead design Necklace length 94cm, extendable by 8cm

Classic Collection Pure Cotton Stripe Cardigan, at Marks and Spencer
Warm and cosy, this stylish cardigan makes a versatile extra layer. Dress it up with smart skirts and trousers, or wear it with jeans for a casual modern look

Self Stripe Pintuck 3/4 Sleeve Blouse, at M&S
Elegant and stylish, this self stripe top features a striking pintuck detail for a fabulous feminine look

Lavender Refresher & Burner Oil, at Marks and Spencer
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Broad Stripe Wide Leg Trousers, at Marks and Spencers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Pure Cotton Vest & Shorts Sets, at Marks and Spencer
Practical and fashionable, this 8 pack of vests and shorts makes a great way to stock up on essential style

Traditional British Breaded Wiltshire Gammon, at Marks & Spencers
Contains approximately 30 slices Serves 10 Ready to eat 1.2kg As featured on page 19 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

Autograph Essentials Long Sleeve Panelled Shirt, at Marks and Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary panelled design

Maxim Teapot, at Marks and Spencer
Suitable for everyday use Versatile fine dining range Pure white porcelain 6-cup capacity Height 16cm, Manufacturer: Marks & Spencer

Maternity Spot Print Swimsuit, at Marks and Spencer
Fashionable and modern, this spot print swimsuit is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

12 Cup Muffin Tray, at Mark & Spencers
Ideal for baking sweet or savoury muffins Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles L18 x W26.5cm, Manufacturer: Marks & Spencer

Seasonal Tree Die Cut Calendar, at Marks and Spencers
Approx. size: 225 x 390mm

Big & Tall Single Pleat Crease Resistant Trousers, at Marks and Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

Lambswool Blend Long Socks, at Marks & Spencers
Warm and comfortable, these easycare socks are made from a blend of finesoft lambswool and resilient nylon so they have the softness, breathability and absorbency of wool and are hard wearing. A reinforced heel and toe gives extra durability

Pure Cotton 3/4 Length Dolly Cardigan, at Mark & Spensers
This casual front open pure cotton cardigan makes the perfect light extra layer. It features button detail for an extra stylish touch

Pearl & Silver Type Sister-In-Law Birthday Card, at Marks & Spencers
Cover text: To my sister-in-law happy birthday Inside message: Blank for your own message Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Travel Shoe Bag, at Marks and Spencers
Prevent scuffs and marks on your favourite shoes, by placing them in this funky shoe bag

Autograph Parisian Damask Bedcover, at M&S
Floral embroidered design, Manufacturer: Marks & Spencer

Animal Alphabet Money Tin, at Mark & Spensers
1 money tin with padlock and 2 keys Animal print Dimensions: H11 x D8 cm

Parisian Chic Calendar, at Marks & Spencers
Approx. size: 225 x 390mm

DeLonghi Icona Toaster - Pearl White, at Marks n Spencer
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel All functions with neon indicator Extra lift position Variable browning controls Extra deep crumb tray Pearl white finish This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Sprung-Edge Suede Divan with 4 Large Drawers & F300 Memory Foam Mattress, at Marks & Spencers
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: 25cm Divan height: H41cm Large drawers: H14 x W78 x D52cm Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support 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

Aviator Style Sunglasses, at Marks & Spencer
These aviator sunglasses are the perfect accessory for summer. The tinted lenses and slim arms lend enhance their classic streamlined style

Cotton Rich Lace Trim Midi Knickers, at Marks and Spencer
Pretty and feminine, these spot print midi briefs are extremely comfortable to wear and give good coverage at the front and back

Autograph Hooded Heart Print Mac, at M&S
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

Collezione Wide Fit Twin Toe Cap Lace-Up Shoes, at Marks and Spencer
These collezione toe cap shoes are smart and sophisticated, they use a beautifully constructed leather upper, leather lining and leather sole to create shoes that are ideal for the office

Portfolio Aquarius Pods Necklace, at Marks & Spencer
Button fastening Ribbon chain Pods style bead design Necklace length 68cm

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 & Spencer, through its M&S Finance 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.