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 Marks & 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household 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 Household 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 Household 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.

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

Pure Silk Check Tie, at Marks and Spencer
Add a luxurious finishing touch with this smart check tie in pure silk

Barton Armchair, at Marks and Spenser
H85 x W102 x D90cm 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 Feet are castors with antique-brass effect finish 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 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

Disney's Winnie the Pooh - My First Little Library, at M & S
These little books are the perfect introduction to first words, numbers, shapes and colours. When children have finished reading the books, they can flip them over and put together the delightful puzzle picture of their favourite Winnie the Pooh characters!

My First Wood Hammer & Pegs, at M&S
Suitable for ages 0-3 years Includes wood side panel, wood bench, plastic rings, pegs and beater This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Blue Flower Seed Birthday Card, at Marks and Spencers
Cover Text: have a wonderful birthday Inside Message: Blank for your own message Approx size: 174 x 126mm

3 Way Pure Cotton Cover Up Beach Dress, at Marks and Spencer
Elegant and feminine, this strapless cover up beach dress is designed to stay securely in place while you work on your tan. A fabulous fashionable look

Candy Stripe Hamper Small Gift Bag, at Marks & Spensers
Contains: 1 gift bag Approx size: H130 x W100 (at base) x D90mm

Autograph Pure Cotton Sparkle Button Long Sleeve Cardigan, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

First Readers Rapunzel book, at Marks and Spencer
A man and wife have to give their baby Rapunzel to a witch. Will anyone be able to save Rapunzel?

Classic Bed Stool, at Marks & Spencer
H47 x W74 x D99cm (extends to L215cm) Top of stool is removeable and bed folds out from within. Click here to view bed Top cushion of stool made from polyester fibre Foam mattress for occasional use Mattress dimensions: L178 x W61 x D5cm Both stool and bed rest on glides Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Buxus Ball Topiary, at Marks and Spencer
Presented in a smart planter, this buxus ball plant is a fantastic addition to any outdoor space Available for delivery from 28th April to 30th September 2009

Cotton Rich Heart Print First Bra & Knickers Set, at Marks & Spencers
Soft and comfortable, this bra and knickers set is ideal for everyday wear

Single Breasted Water Repellent Mac, at Marks and Spencer
Practical and fashionable, this single breasted mac is outstanding value! It features a button cuff detail

Adored Pure Cotton Floral Embroidered Nightdress, at Marks & Spensers
Stylish and elegant, this flattering nightdress is part of our feminine Adored collection. It's made from the softest fabrics for the ultimate in comfort

Autograph Skinny Tie, at M & S
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Silver Numbers 30th Birthday Card, at Mark's & Spencer
Cover text: Party 30 Happy birthday Inside message: With love Approx size: 174 x 126mm

Laser Cut Aeroplane Exam Congratulations Card, at Marks & Spencer
Cover text: You passed well done....Congratulations! Inside message: blank for your own message Approx size: 150 x 150mm

Per Una Tweed Panelled Skirt, at Marks and Spencer
A pretty mid-calf length tweed skirt featuring a panel and pleat design

Footglove™ Leather Knee High Riding Boots, at Marks & Spencer
Round toe Contrast stitch detail Block heel Knee high Water resistant Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Pure Cotton Ditsy Print Mock Layer Top, at Marks & Spensers
It looks like a shirt and knitted top, but this fashionable mock layered design is just one piece. The ditsy floral print adds a stylish touch.

Cotton Rich Bootleg Jeans, at Mark's & Spencer
Fashionable and comfortable, these bootleg jeans are outstanding value!

Pure Cotton Long Sleeve Beaded Kaftan, at Marks and Spencers
Fresh and feminine, this stylish kaftan features pretty bead embellisment. The ultimate in poolside glamour

Tupungato Cabernet Sauvignon Malbec 2007 - Case of 12, at Mark & Spencers
Style: Dry, full bodied Grape variety: Cabernet Sauvignon, Malbec Country of origin: Argentina Closure: Natural cork 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

Blue Harbour Modal Blend Self Stripe Shirt, at Mark's & Spencer
Stylishly smart casual, this self stripe 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

Per Una Modal Rich Spot Print Bra, at Marks and Spencer
Modern and colourful, this spot print bra is embellished with a stylish contrast lace trim. It's underwired for extra support and the plunge style gives an enhanced shape. Pretty everyday fashion

2 Alton Plain Leather Dining Chairs, at Marks and Spenser
H99 x W46 x D56cm Seat: H48cm Sold as a pair Upholstered in dark brown plain leather Solid dark-stained oak 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Text Son Birthday Card, at Marks & Spencers
Cover text: To a very special Son Inside message: Have a great day! Approx size: 150 x 150mm

Autograph Essentials Short Sleeve Ribbed Jacket, at Marks & Spencer
Chic and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work or smart occasions. Exclusive, luxurious and beautiful

Fraser Large 2-Seater Everyday Sofa Bed, at Marks and Spencers
H99cm x W209cm x D102cm (opens to L236cm) Seat: H48cm (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 medium 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

Younger Boys' Plain Fluffy Dressing Gown, at M+S
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the MarksandSpencer 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 Household 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 & Spencer, 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.