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 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, Buildings Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but M&S 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 Buildings 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 (Buildings 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 Mark & Spencers insurance products in document format too.

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 Buildings Insurance and Car Insurance, there's a lot more going on at Marks & Spenser 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."

Non Padded Broderie Floral Underwired Bra, at Marks & Spencers
Feminine and pretty, this floral bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

M&S 2GB USB Memory Stick, at Marks and Spencer
2GB memory stick Plugs directly into computer's USB port High-speed USB 2.0 compatible Plug'n Play USB interface requires no driver software Includes USB extention cable and neck strap Rubber housing Dimensions: 54 x 19 x 10mm Weight: 10g (approx) 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

Blue Striped Medium Gift Bag, at Marks & Spencer
Stripe design Wooden toggle fastening Contains: 1 gift bag Approx size: H260 x W200 x D90mm

Harrowgate Victoria Shiraz 2006 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Shiraz Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Single Egg Poacher, at Marks and Spencers
Adjustable spine Rear hook H14 x W6.5cm, Manufacturer: Marks & Spencer

Collezione Merino Wool Rich Slip-Over with Silk, at Marks & Spencers
Spring is the season for layering. Work this in the office with a shirt and trousers, or pull on over a T for weekend chic

Lichfield Media Unit, at Marks and Spencer
H50 x W117 x D40cm Equipment space: H14 x W84 x D33.5cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Shelves made from White Oak veneer Side panels are veneered 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Mini Heart Shaped Jewellery Box, at Marks and Spenser
Modern and sophisticated, this fabulous heart shaped jewellery box. It makes a great gift, or why not treat yourself?

Extra High Impact Non-Wired Sports Bra, at MarksandSpencer
As worn by GB Olympic pentathletes. Comfortable and secure, this maximum impact sports bra gives firm, gentle support for active wear. Its breathable fabric includes engineered sections to eliminate bounce while the racer back shape allows for maximum movement and padded non-slip straps ensure it's a comfortable fit

Shoe Tree, at Marks and Spencer
Keep you shoes in great shape with these shoe trees. With an adjustable length, your footwear will be in good hands with this practical gadget

Embroidered Hippo Knit Shawl, at Marks & Spencer
Soft and comforting, this snuggly shawl features a cute embroidered hippo design and scalloped edge. Perfect for bedtime, or as a light layer during the day

Pure Silk Abstract Print Lightweight Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk abstract print scarf. The perfect accessory to this season's styles

M&S Flush Wall Mount with Tilt for 23-32'' TV, at Marks and Spencer
Fits LCD, TFT and plasma screens from 23-32 inches Slim fit and tilt VESA compliant for 23-32in screens Simple 3-part assembly Drilling template supplied Dimensions: H28.5 x W78.5 x D8.5cm This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Blue Harbour Modal Blend Short Sleeve Shirt, at Marks and Spencers
Stylishly smart casual, this contrast stitch detail shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

White Pearl Damask Wedding Guest Book, at Mark's & Spencer
Pack contains: Wedding guest book and gift box Approx size: Guest book: 210 x 290mm, Gift box: 225 x 305mm

Chic Stripe Bedset, at Mark's & Spencer
Stripe design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet (6ft)cover and 2 pillowcases, Manufacturer: Marks & Spencer

2 Cotton Rich Sleeveless Mesh Vests, at Mark's & Spencer
A seam free design along the sides and the soft qualities of cotton ensures these great vests provide the ultimate in everyday comfort

Carbon Print Sport Sunglasses, at Marks and Spencers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Cotton Rich Knitted Dress & Leggings Outfit, at Marks and Spencer
Practical and pretty, this cute stripe knitted dress and leggings 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Classic Collection Short Sleeve Nightdress, at Marks & Spencers
Fresh and feminine, this nightdress is made from a soft cotton blend so it feels comfortable to sleep in. The bow detail adds a pretty touch

Black & Decker PV100K-XJ Extension Kit, at Marks and Spenser
Extension kit for Dustbuster hand vacs to enable effective cleaning of floor surfaces without bending your back Easy to assemble and attach or detach from the hand vac Can be used on hard floors and carpets Compatible with PV9605N, PV1205BN, PV1405N, PV1805N

Pure Cotton Contrast Stitch Denim Cargo Trousers, at M & S
Casual and relaxed, these stylish cotton belted cargo trousers are so comfortable and easy to wear. An effortless contemporary look that's fashionable, practical and easycare

Leather Dual Prong Punch Hole Belt, at Marks and Spenser
This leather belt is ideal for wearing with casual styles

Handcrafted Blue Flower Heads Mother's Day Card, at Marks and Spenser
Cover text: To a very special Mum on Mother's Day Inside message: Have a lovely day Approx size: 150 x 150mm

Silver Plated Diamanté Floral Stud Earrings, at Mark & Spencers
Butterfly stud fastening Diamant detail Floral design

Pure Cotton Corsage Duvet Cover, at Marks & Spenser
Corsage feature Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

8 Mini Craft Floral Cards Multipack, at Marks & Spencers
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

Rockridge Merlot 2008 - Case of 12, at Marks & Spenser
Style: Medium bodied Grape variety: Merlot Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Helenka Lace Vest, at Marks & Spencer
Feel oh-so-pretty from the inside out. Lace is everywhere this season, so why not wear it next to your skin?

Chevron Print Scarf, at Marks & Spensers
Add a fashionable finishing touch to your look with this elegant chevron print scarf. The perfect accessory to this season's styles

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 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 Buildings 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 Buildings 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.