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

Marks n Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks & Spenser 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 Marks & Spencers Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or Property Insurance - besides a number of other insurance products, Marks & Spencers Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencers Money insurance products (Property 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 M+S insurance products in document format too.

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 and 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 n Spencer, through its Marks & Spencers 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Ultimate Pure Wool 3 Button Stripe Jacket, at Mark & Spencers
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Long Sleeve Multiple Print Hooded Jumper, at Marks & Spensers
Fashionable and contemporary, this hooded jumper features a multiple print detail. A pretty, practical and easycare style

Autograph Weekend Pure Silk Blouse, at M+S
Sophisticated and modern, this pure silk blouse is beautifully designed and cut to flatter for the best in contemporary style

Pure Cotton Scoop Neck T-Shirt, at Marks & Spencer
Smart and stylish, this scoop neck t-shirt is made from cool comfortable cotton and features a stripe design

Pure Cotton Cap Sleeve Multi Stripe T-Shirt, at Marks and Spencer
For casual elegance, you can't beat this scoop neck top. A great value cotton essential

Embroidered Floral Front Full Briefs, at Marks & Spensers
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

Corby 7700 Trouser Press, at Marks & Spenser
No need to dampen trousers before pressing. The inherent humidity content of natural and mixed fibres assists the pressing process Features a jacket hanger 15, 30 & 45 minute settings Automatic cut-off Manual cancel option Deep coin tray LED countdown display Wall mounted dimensions: H95 x W42x D13 (opens to 34cm) Free-standing dimensions: H110 x W46 x D33cm (opens to 48cm) 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 Faceted Stud Earrings Made with CRYSTALLIZED™ - Swarovski Elements, at Marks n Spencer
Faceted disco stud design Butterfly fastening Made with CRYSTALLIZED™ - Swarovski Elements For hygiene reasons, refunds will only be given in accordance with your legal rights

Stainless Steel Roaster, at Marks & Spenser
L34 x W24 x D6cm Oven safe up to 250C Double handle Rectangle shaped, Manufacturer: Marks & Spencer

Glass Collection - Magazine Rack, at M&S
Curved sides Contemporary magazine rack, Manufacturer: Marks & Spencer

Natural Beauty Facial Moisturiser, at Marks & Spencers
100ml Naturally fragranced

Panasonic 32'' TX-L32X10 HD LCD TV, at Marks & Spencer
Display: 32 inch LCD screen, 1,049,088 (1,366 x 768) pixels Dynamic contrast ratio: 15,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W798 x H551 x D217 mm (with stand), W798 x H510 x D93 mm (without stand) Weight: 13kg with stand V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3x HDMI, S-video input, component video input, PC input and 1 x headphone jack VIERA V-Real 4: Delivers images of mesmerising beauty. This superb picture technology enables you to see all the grand detail of fast moving onscreen images, so you never miss a moment of an action movie or sporting event! 24p Playback: High speed playback of images to recreate the full cinematic experience SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Linen Blend Short Sleeve Stripe Shirt, at Marks and Spencer
Fashionable and versatile, this linen blend short sleeve shirt is ideal for smart casual dressing and looks great layered over a t-shirt

Ingredients Pomegranate Foaming Bath Essence, at Marks & Spenser
Pomegranate fragrance Approx 500ml

'Special Mum' Gift Card with Moving Image Effect, at Marks & Spencer
Lenticular card - shows animated effect of a flower 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

Autograph 3/4 Length Shorts with Linen, at M&S
Fashionable and contemporary, these 3/4 length shorts are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks and Spencers
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

RealCool Cotton™ Performance Contrast Pipe Detail Vest, at Marks and Spencer
Ideal for active wear, this RealCool Cotton™ Performance top is made from high-performance breathable stretch fabric and is designed in the latest style for a great fit and freedom to move

Single Breasted 2 Button Stripe Jacket, at Marks and Spenser
Smart, practical and comfortable, our essential suits are made in stylish designs from durable fabrics. Ideal for everyday wear

Happy Birthday Cake Stand 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

40 Denier Opaque Hold Ups, at Mark's & Spencer
These comfy hold ups won't let you down. Their reinforced design gives long-lasting wear

Straight Leg Flat Front Plain Suit Trousers, at MarksandSpencer
Smart and classic, these flat front trousers are outstanding value. A practical and hardwearing easycare style

Stormwear™ Pure Cotton Funnel Neck Mini Mac, at M&S
Fashionable and practical, the cropped funnel neck mac is a wardrobe essential this season. This version in a water resistant easycare fabric features a modern large button detail

Pure Cotton Monkey Hooded Tank Top & T-Shirt Set, at Mark & Spencers
This fashionable layered look is a 2 piece set - a long sleeve t-shirt and hooded tank top both in soft comfortable cotton. Stylish, practical and easycare.

Long Length Stitch Detail Skirt, at Mark & Spensers
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

Funky Faux Snakeskin Watch, at Marks & Spencer
Round face Analogue Faux snakeskin print strap Adjustable strap

Girls' Limited Diagonal Stripe Dress, at MarksandSpencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Plain Pull On Cashmilon™ Hat, at Marks and Spencer
Stay ahead of trends in this stylish hat made from supersoft cashmilon™. Warm and cosy, it's perfect with the matching scarf and gloves

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

Salt & Pepper Mill Duo, at Marks and Spenser
2 in 1 salt and pepper mill Colour coded ceramic mechanism Turns anti-clockwise for salt and clockwise for pepper Dual grind slectors for corse or fine grind Approx size: L8.4 x W8.4 x H16.6cm, Manufacturer: Marks & Spencer

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

• M&S Insurance: M&S Motor 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 M & S, it's easy to see that these are good financial products, at value-for-money prices.

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