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 & 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 M+S 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 M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car 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 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 M+S Money loans, credit cards or Home Insurance - besides a number of other insurance products, M+S Money 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 insurance products (Home 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 n Spencer insurance products in document format too.

M+S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark & Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

7 Pure Cotton Short Sleeve Animal Bodysuits, at Marks and Spenser
Cute and practical, this pack of 7 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep them feeling comfy and happy

Seville Antique Brass Double Towel Rail, at Marks & Spencers
Double rail Wall mounted H13.7 x W51.58 x D18.17cm, Manufacturer: Marks & Spencer

Blue Harbour Linen Blend Check Shirt, at Marks and Spenser
Relaxed and stylish, this check shirt is made from a blend of linen and cotton so it feels cool and comfortable to wear

Country Bunch Letters Mum Birthday Card, at M & S
Cover Text: To my lovely... Mum ...with lots of love... xxx Inside message: ... I love you so much... Approx size: 230 x 114mm

Mixed Bead Necklace & Earrings Set, at Marks & Spencer
2 part set Adjustable length mixed bead necklace with clasp fastening Hook fastening drop earrings with mixed bead design

Per Una Spot Print Low Rise Shorts, at Marks and Spencer
Fresh and feminine, these stylish shorts feature a spot print and multiple bow detail. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Lego™ City Dump Truck Toy, at Marks&Spencer
Suitable for ages 5+ Tilt the bed and dump the load Includes 1 construction worker, barrier, rocks and road sign Measures 8''(20cm) long and 3''(7cm) high This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of Ventilated Sock Trainer Liner Socks with Cool&Fresh, at Marks and Spencer
Comfortable and durable, these socks feature a reinforced toe and stretch fabric for an improved fit

M&S 5 Input Scart Switcher, at Marks and Spencers
For connection of up to 5 audio/video devices to a single TV Recorder copy function 24 carat gold connection scart cable Auto and manual modes Easy to read display 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

Autograph Small Rollercase, at M&S
Free 5 year guarantee Take the hassle out of travel with the practical, easy to transport and stylish design of this spacious rollercase. Perfect for business travel, this case includes a garment carrier and shoe bag Includes free i-trak luggage ID service see details below

Detroit Wardrobe & 2 Bedside Chests Set, at Marks and Spencer
3 piece set Wardrobe: H195 x W90 x D59cm Bedside Chest: H64 x W46 x D40cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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

Performance °Climate Control Flat Cap, at Marks & Spensers
A traditional British classic, this is a versatile style that looks great worn smart or casual

Cotton Blend Rolled Sleeve Boyfriend Cardigan, at Marks & Spenser
This casual v-neck cotton blend longline cardigan makes the perfect light extra layer. It features pintuck front pockets for an extra stylish touch

5 Pairs of Younger Girls' Cotton Rich Assorted Socks, at Marks & Spencers
Fun and fashionable, this pack of 5 pairs of cotton rich socks features assorted design

Autograph Leather Whip Stitch Apron Loafers, at M&S
Square toe Slip-on Stitch detail

Cotton Rich Padded Bra, at Marks n Spencer
Modern and stylish, this soft stretch cotton rich bra is perfectly smooth, so there are no visible outlines under clothes. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

In Bloom Orchid & Vanilla Foaming Bath Elixir, at Mark & Spensers
Orchid and vanilla fragrance Moisture rich Foaming bath elixir 200ml This product is not available for international delivery. Find out more

Limited Collection Cat Print Top, at Marks & Spenser
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Autograph Merano 1 Seater Unit (No Arms), at Marks & Spencers
H84 x W76 x D102cm Seat H47cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion 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 Glide feet with a 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 service: 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

iPod Classic Leather Flip Case, at Marks and Spenser
Flip Case for iPod classic, the stylish leather case also features a handy popper fastening attachment allowing you to have easy access to your iPod. The leather case with its quality stitching protects your iPod in style. Compatible with all Apple iPod classics

Older Boys' Bart Simpson Fluffy Dressing Gown, at M&S
A must for fans of The Simpsons, this soft fluffy dressing gown features the popular character

Per Una Roma Cotton Rich Bootleg Trousers with Belt, at Marks and Spencers
A stylish pair of bootleg trousers in stretch cotton featuring a plaited belt

Single Breasted 2 Button Eveningwear Jacket, at Marks & Spencers
Elegant and sophisticated, this outstanding value jacket is perfect for evening

Handcrafted Black Dress Mother's Day Card, at Marks & Spencers
Cover text: With love Mum, On Mothers Day Inside message: Have a wonderful day Approx size: 178 x 126mm

Pink Spotty Shoes 40th Birthday Card, at M&S
Cover text: Happy 40th birthday Inside message: Hope you have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Nostalgic Children Playing Multipack of Cards, at M&S
Cover text: Both designs are blank Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Pack contains: 8 cards, 2 designs Approx size: 138 x 138mm

Total Support All Over Lace Bra, at Marks and Spencers
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

2 Big & Tall Cotton Rich °Climate Control Sleeveless Vests, at Marks & Spenser
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Cotton Rich Embroidered Animal Top & Dungaree Set, at MarksandSpencer
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value top and dungaree set is designed to keep baby looking adorable and feeling comfy and happy

Dinosaur Head Torch, at Marks & Spencers
Suitable for ages 3 - 6 years Wear it on your head, backpack, arm or leg Dinosaur design Adjustable strap Imaginative play 90 x 70 x 60mm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

When you're shopping at Mark & Spensers 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 M+S Money. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S 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 M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S 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."