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 Mark & Spensers are so useful. M+S 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, 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.

Shopping for financial products at M+S 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 M+S Money website:

• M&S Insurance: M&S Motor 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 and Spencer, 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.

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Motor 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 Marks & Spencer 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 House 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 (House Insurance, Motor 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 Mark's & Spencer insurance products in document format too.

Tribeca Corner Chaise (Right-Hand), at Marks n Spencer
H90 x W276 x D99cm Seat H46cm (all dimensions are approximate) Length 203cm Seat cushions filled with shape-retaining foam - 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 Includes 3 matching scatter cushions 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 birch feet with a medium finish Can be arranged to fit both left and right room corners 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

M&S Wall Mount with Tilt for 21-37'' TV, at Marks and Spencer
Fits LCD screens from 21-37 inches Slim fit and tilt VESA compliant for 21-37in screens No assembly required 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 , Manufacturer: Marks & Spencer

Casa Leona Chardonnay 2008 - Case of 12, at Marks & Spenser
Style: Dry Grape variety: Chardonnay Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Beau Moulin Rouge 2008 - Case of 12, at M+S
Grape variety: 60% Merlot, 40% Syrah Country of origin: France Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Widefit Double Band Shoes, at Marks and Spencers
2 band design Buckle detail Low heel Heel height 57mm Comes in sizes 3-8, including half sizes

Autograph Square Porcelain Soap Dish, at Marks & Spencers
H2 x L14 x W9cm Stripe design Square dish, Manufacturer: Marks & Spencer

My First Bible, at Marks & Spenser
From Noah's ark to the Story of Easter, the Bible's best-loved stories are re-told alongside beautiful illustrations. Perfect for reading aloud to your child or grandchild, with fun activities

Per Una Spot Print Chiffon Dress, at Marks & Spencer
A fashionable scoop neck dress featuring an spot print and ruffle neck detail

Classic Collection Floral Print Skirt, at M+S
Elegant, stylish and comfortable, this pull-on skirt is finished with a floral print. The ideal match for blouses and fine knits in coordinating colours

Australian Rivers & Valleys - Case of 12, at M&S
2 Hunter Valley Chardonnay 2006: Australia's warm, sunny Hunter Valley is world famous for its ripe, generously fruity Chardonnays... 2 Margaret River Semillon Sauvignon Blanc 2007: The Margaret River region, on the coast of Western Australia, is world-renowned for its fine, elegant white wines... 2 Barossa Chardonnay 2006: South Australia's historic Barossa Valley is considered one of the most important wine regions in the country... 2 Hunter Valley Shiraz 2005: Australia's warm, sunny Hunter Valley is world famous for its ripe, generously fruity Shiraz... 2 Coonawarra Cabernet Sauvignon 2004: This is a fine example of a premium Cabernet Sauvignon from one of Australia's most famous red wine regions... 2 Dorrien Estate Bin 442 Shiraz 2006: This Australian red has ripe cassis and red plum fruit with a twist of peppery spice... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Canon IXUS 100 IS Digital Camera, at M&S
Pixels: 12.1 megapixels Zoom: 3.0x optical zoom, 4x digital zoom Screen: 2.5'' PureColor LCD II ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W87.0 x H54.5 x D18.4mm Weight: 115g Motion Detection Technology: Eliminate blur by compensating for subject motion and camera-shake PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PC Face Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC 4 processor drives exceptional processing speeds, responsive operation, superb image quality and colour reproduction. Richly detailed, cleaner images, even at high ISO speeds, are the result of advanced Noise Reduction Shooting Modes & Special Scenes: 14 shooting modes include Special Scenes like Sunset, Portrait and Kids & Pets, which make it easy to get great results in common shooting situations. My Colors in-camera photo effects such as Black & White can be applied during shooting i-contrast: Canon's i-Contrast feature offers improved contrast and greater detail in tricky lighting conditions HD movies in stereo: Create smooth, high quality movies in high definition (1280x720, 30fps), then connect the optional HDMI cable for playback on HD widescreen TVs System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

Ataraxia Sauvignon Blanc 2007 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: 100% Sauvignon Blanc Country of origin: South Africa Closure: Natural Cork Suitable for vegetarians and vegans Bottle: 6 x 75cl Alcohol by volume: 13% Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Burra Brook Shiraz Grenache Rosé 2008 - Case of 12, at Marks n Spencer
Style: Dry Grape variety: Shiraz & Grenache Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol.x Alcohol units per bottle: 9.8 Alcohol units per 125ml:1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M&S 3m Gold HDMI Cable, at Marks & Spensers
3 metre cable 24 carat gold connections HDMI to HDMI Suitable for high definition devices Multiple shielding for minimum interference 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

Pure Cotton Bold Stripe Pyjamas, at Marks & Spencer
Contemporary and fashionable, these pure cotton pyjamas make the perfect choice for relaxing in style and comfort

Chocolate Cutting Cake, at Mark's & Spencer
Order by 5pm to collect in 7 days Serves 22 Chocolate cake: a rich chocolate cake filled with milk chocolate ganache Choose from white or ivory soft icing 920g Available for collection in participating M&S UK stores Click here for a list of stores As featured on page 61 in the food to order brochure Not suitable for nut allergy sufferers

The Floral Collection Magnolia Moisturising Hand & Body Lotion, at Mark's & Spencer
Hand and body moisturising lotion 250 ml

2 Limited Collection Spot Print Padded Plunge Bra, at Mark & Spensers
Fun and fabulous, this cotton blend bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Classic Collection Neck Tie Stripe Top, at Mark's & Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a pretty stripe design. A fashionable style with a comfortable, flattering fit

Halterneck Beaded Swimsuit, at Marks & Spencer
Fashionable and flattering, this glamorous swimsuit features beaded detail. A stylish modern look

Peep Toe Slingback Shoes, at M&S
Peep toe Slingback style Bow feature Wedge heel Heel height 7cm Comes in sizes 3-8, including half sizes

Pure Cotton Carnation Bedset, at MarksandSpencer
Co-ordinate with Yellow coolmax plain dye sheets and pillowcases strokes T352300F,T352300S,T352300P Floral print Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Patch Kitten Rug, at Marks and Spencer
Kitten design W50 x L84cm, Manufacturer: Marks & Spencer

String Shade with Diffuser, at Marks and Spencer
String shade Large: H22 x Diam 45cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Compact Plain Umbrella, at M&S
Brighten up rainy days with this stylish lightweight umbrella

Chunky Bead Necklace, at M&S
Mixed bead design Ribbon necklace Tie fastening Necklace length: 122cm

Woven 'Scotland' Jogging Bottoms, at M & S
Sports fans will love these cosy joggers featuring the Scotland slogan. A practical, easycare style

Silhouette Gift Card, at M&S
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Ethnic Bead Drop Earrings, at MarksandSpencer
Hook fastening Drop style Mixed bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Signature Natural Cotton Pot Pourri Box, at Mark's & Spencer
Natural cotton fragrance Presented in a box, Manufacturer: Marks & Spencer

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 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 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.