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 & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make M & S 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.

M&S Financial Services 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 Property 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 Property 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 Financial Services 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 Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Property 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 M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

2 Machine Washable Assorted Design Tie, at Marks and Spencer
No more trips to the drycleaners! These smart assorted design ties are machine washable

Per Una Supersoft Embroidered Spot Mule Slippers, at M & S
Mule style Round toe Flat sole Embroidered spots

Collezione Mother Of Pearl Cufflinks, at Marks & Spensers
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Handmade Outfit 40th Birthday Card, at Marks & Spencer
Cover text: 40 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 Approx size: 175 x 126 mm

Easy Desserts, at Mark's & Spencer
There are summits to climb, depths to dive, cultures to experience, creatures to meet and desserts that you've only seen in dreams until now. So set your sights on these easy desserts and make the dream a reality

5 Pairs of Younger Girls' Cotton Rich Assorted Socks, at Marks & Spencer
Cute and comfy, these soft cotton rich socks feature assorted designs

Total Support Floral Non-Wired 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

Pure Cotton Round Neck Plain T-Shirt, at Marks n Spencer
This short sleeved t-shirt will make a useful addition to your wardrobe. Great for layering or wearing on its own

Glacier Drop Earrings, at Marks and Spenser
Hook fastening Drop style Double bead design

Autograph M500 Mattress - Medium, at Marks & Spencers
Single 3ft: W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Depth: 28cm Entirely handmade Individually pocketed springs Deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop Double row of hand side-stitching to add support to the edges Spring count: 1225 Anti-allergy protected for the life of the mattress Does not require turning 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

2 Younger Boys' Stripe & Check Belts, at Mark's & Spencer
Fun and fashionable, these stripe and check design belts add a stylish finishing touch

XBOX 360® Lara Croft Tomb Raider Anniversary Game, at Marks and Spencers
Encounter fierce animal and supernatural enemies, wolves, bears, crocodiles, horrific monsters and the T Rex Use all of Lara's guile, athleticism and gadgets in her quest to conquer the unknown and uncover ancient artefacts Single player You must be 16 years of age or over to purchase this product 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: Teen

Petite Knee Length Pencil Skirt with Wool, at Mark's & Spencer
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions. Specially designed and perfectly proportioned for the petite frame

Post Surgery Embroidered Padded Bra, at M&S
Pretty and feminine, this embroidered bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Per Una 3/4 Sleeve Knitted Top with Scarf, at Marks & Spencers
A relaxed 3/4 sleeve knitted top featuring a thin frill neckline detail and matching scarf

Fenton Large 2-Seater Everyday Sofa Bed, at Marks and Spencer
H90 x W218 x D103cm (opens to L235cm) Seat: H51cm (all dimensions are approximate) 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 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 dark finish Mattress: L178 x W132 x D5cm Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa bed will support a maximum combined weight of 160kg 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

Pure Cotton Team McQueen Pyjamas, at Marks & Spensers
A must for fans of Team McQueen, these pyjamas feature a crew neck shirt and bottoms with drawstring waist

No VPL Floral Lace Shorts, at Marks & Spencer
For the ultimate no-show look, these stretchy modern shorts are made from super smooth lace with bonded edges. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Ten in the Bed Book, at Marks and Spencer
A colourful and beautifully illustrated adaptation of the traditional nursery rhyme. Explore a magical adventure with the toys as they come to life in this bedtime tale. Children will love to press the buttons and sing a long to the familiar tune as they follow the story

5 Cotton Rich Bud Print Midi Knickers, at Mark's & Spencer
These cotton rich midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Faux Pearl Stud Earrings, at Marks & Spencer
Butterfly stud fastening Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Weekend Cotton Blend Trench Coat, at Marks&Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Footglove™ Leather Wide Fit Bow Wedge Shoes, at Mark & Spencers
Round toe Slip-on Bow and stitch detail Mid wedge heel Heel height: 56mm Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Cotton Rich Velour Long Sleeve Hooded Cardigan, at M & S
Soft and comfy, this pretty hooded cardigan makes a practical and fashionable choice

Autograph Long Sleeve Satin Stripe Shirt, at Marks & Spencers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary satin stripe design

Per Una 3/4 Sleeve Longline Tunic, at MarksandSpencer
A fashionable longline tunic featuring tie waist feature, finished with a pintuck detail

Clarendon Footstool, at Marks&Spencer
H37 x W119 x D79cm (all dimensions are approximate) Cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 Feet are castors All of our fabrics are treated with Stain-Defence& trade; - 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cashmilon™ Hat, Scarf & Gloves Set, at Marks & Spencer
Snug and cosy, this cute hat, scarf and gloves set is a fashionable choice for chilly weather

Harvard Moisturising Aftershave, at Marks and Spencer
Alcohol free 100ml Smooth sparingly over your face and neck, after washing and shaving Avoid contact with the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

Per Una Linen Blend Connie Jacket, at Marks & Spencer
A feminine 3/4 sleeve linen blend jacket featuring an asymmetric hem and notch lapel makes this a versatile choice

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 M+S, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.