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 & Spensers are so useful. Marks & Spencer 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, 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 & Spencer 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 & Spencer Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

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 and Spencers, through its Marks & Spencer Money 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.

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

Per Una Short Sleeve Ditsy Floral Top with Vest, at Marks & Spencers
A casual short sleeve top in a soft cotton blend. Floral print gives it the Per Una touch

Domaine Grille-Midi Fleurie 2007 - Case of 6, at Marks & Spensers
Style: Light bodied Grape variety: Gamay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. 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

Sun Formula Self Tan Body Flash Mousse, at M+S
Easy to apply Streak free With added moisturisers Contains Vitamin E and Aloe Vera Tinted Formula This product is not available for international delivery. Find out more

Enamel Diamanté Photo Frame 10 x 15cm (4 x 6"), at Marks&Spencer
Enamelled design Diamant detail Metallic trim Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Wool Blend Flat Front Straight Leg Trousers, at Mark & Spencers
Smart and stylish, these trousers are made from a hardwearing wool blend with added stretch. An ideal choice for work or everyday wear

Maternity Long Sleeve Waterfall Cardigan, at Marks and Spencer
Fashionable and modern, this cardigan is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. A practical, versatile choice

Black Trim Trainers, at Marks & Spencers
Crafted from leather for a natural, laidback look, these attractive trainers feature an easy grip sole providing you with lasting durability and comfort. Great for weekend sports and walks along the beach

Nintendo Wii™ Tomb Raider: Underworld, at Mark & Spencers
Master your surroundings: Reach new heights with the broadest range of acrobatic abilities and utilize objects within the environment to uncover new paths to explore Explore epic and unknown worlds: Discover ancient mysteries of the underworld hidden within the coast of Thailand, frozen islands of the Arctic Sea, the jungles of Mexico, and more What Can Lara Do?: Lara's skill-set has been drastically expanded to incorporate actions you would expect of a fearless, athletic adventurer. Lara now performs 1700 moves and is a far more intuitive character to controlWhat Can Lara Do?: Lara's skill-set has been drastically expanded to incorporate actions you would expect of a fearless, athletic adventurer. Lara now performs 1700 moves and is a far more intuitive character to control Treacherous and unpredictable challenges: Each level is an elaborate multi-stage puzzle masked within an interactive environmental playground offering more flexibility over how the area is solved New range of combat options: Choose to pacify or kill, target multiple enemies at once with the new dual-target system, and shoot with one hand while suspended with the other New state-of-the-art gear: Utilize the latest technology in Lara's upgraded inventory to navigate the world including: Sonar map: A revolutionary new tool that emits an active sonar ping to create a 3D image of Lara's surroundings, perfect for uncovering hidden items and locations Multi-purpose grapple: A claw-like device with a high-tension cable designed for climbing, rappelling, performing wall runs and manipulating objects within the environment All-terrain motorbike: Built to handle everything from the jungles of Mexico to the icy glaciers of the Arctic 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 You must be 16 years of age or over to purchase this product *Must be returned with the tamper seal intact for full refund, Platforms: Nintendo Wii, ESRB Rating: Mature

Ataraxia Sauvignon Blanc 2007 - Case of 6, at Marks and Spenser
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

Sleeveless Funnel Neck Spot Gilet, at Marks and Spenser
Cute and cosy, this funnel neck sleeveless gilet makes a comfortable and practical choice

Albany Cereal Bowl, at Marks & Spensers
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

Pure Cotton Floral Cropped Pyjama Bottoms, at Marks & Spencer
Fashionable and practical, these cropped pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Collezione Leather Monk Shoes, at Marks & Spencers
Luxurious and contemporary, these leather monk shoes are part of Collezione, inspired by Italian style. Their superior design, quality and hand finishing make them a sophisticated and fashionable choice

Mini Craft Floral Cards Multipack, at Marks&Spencer
Contains: 8 cards, 4 designs Cover text: Design 1: Blank, design 2: Just to say..., design 3: Blank, design 4: Thank you Approx size: 95 x 80mm

Hamilton 2-Seater Sofa, at Marks and Spencer
50% reduction on Dakota Leather Espresso applied 21 May - 1 June 2009. 30% reduction on all fabrics applied 9 April - 20 May 2009. Higher prices applied between at least 25 February - 8 April 2009. H95 x W202 x D99cm Seat H49cm, arm H66cm, top back rail H73cm (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 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

Malabar 3 Door Sideboard, at Marks & Spensers
H90 x W180 x D50cm 3 drawers 1 adjustable shelf in each cupboard Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy this sideboard as part of a set. Click here to view the Malabar Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Supersoft Scotty Dog Mule Slippers, at Mark & Spencers
Mule style Round toe Flat sole Scotty dog embellishments Contrast lining

Pure Cotton Stab Stitch Jersey Top, at Marks&Spencer
This short sleeved top will make a useful addition to your wardrobe. It features pretty stab stitch for a stylish casual look

Cut Flowers Fragrance Diffuser & Refill Plug-In, at Marks & Spencers
Changeable fragrance 15ml of fragranced liquid Lights up when in use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

RealCool Cotton™ Active Performance T-Shirt, at Marks and Spencers
Ideal for active wear, this RealCool Cotton™ t-shirt is made from high-performance breathable stretch fabric. It's designed in the latest style for a great fit and ease of movement

Lichfield Extending Dining Table & 6 Alton Antiqued-Leather Chairs Set, at Marks & Spencer
Dining table:H75 x W95.5 x L145cm (H29.3 x W37.2 x L56.6in ) Extends to seat 8 using the spare central leaf stored beneath the table top Chair:H99 x W46 x D56cm, Seat: H48cm Chairs crafted from solid European oak with antique leather Table made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Top panel is veneered with solid oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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

Autograph Copper Base 20cm Saucepan, at Marks & Spensers
Stainless steel for maximum durability and shine Glass straining lid Riveted handles with silicone inserts for comfort and safety High performance copper base for even heat distribution Twin pouring lips for left and right-handed cooks Diam 20cm Capacity: 2.8 litre Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Kitchen Island & Granite Top Set, at Mark & Spensers
H90.5 x W100 x D80cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Single Sprung-edge Divan with 1 Small + 1 Large Drawer & M100 Mattress, at Marks & Spensers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm 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: 21cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Sprung-edge divan 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

Petite A-Line Skirt with Belt, at Mark's & Spencer
Smart and modern, this flared a-line skirt features stitch detail. A great work-to-evening style. Specially designed and perfectly proportioned for the petite frame

Collezione Pure Wool Single Breasted 2 Button Stripe Jacket, at M&S
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Stormwear™ Multi Pocket Hooded Parka, at Marks & Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves and inside pockets keep lunch money safe

Ingredients Passion Fruit Body Butter, at Marks & Spencer
Passion fruit scented 200ml Ingredients: Aqua, Ethylhexyl Palmitate, PEG-8 Beeswax, Cyclomethicone, Glycerin, Cetearyl Alcohol, Glyceryl Stearate, Theobroma Cacao, Bis PEG-12 Dimethicone Beeswax, Benzyl Alcohol, PEG-100 Stearate, Phenoxyethanol, Xanthan Gum, Parfum, Methylparaben, Disodium EDTA, Hexyl Cinnamal, Tocopherol, Limonene, Linalool, Citrus Aurantium Dulcis, Butylparaben, Sodium Hydroxide, Ethylparaben, Passiflora Edulis (Passion Fruit) Propylene Glycol, Geraniol, Propylparaben, Alcohol Denat., Isobutylparaben Citral, Sodium Benzoate, Sorbic Acid, Barosma Betulina, CI 42090, CI 17200

Busy Farm Pop-Up Book, at M&S
Join Farmer Joe to find out what happens on his farm. This fantastic pop-up book has lots of surprises, with colourful play pieces bringing Joes farmyard to life

Autograph Floral Print Skater Skirt, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

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

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