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

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but Marks & Spensers 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 Home 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 (Home 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 and Spencer insurance products in document format too.

When you're shopping at Marks and Spencer 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 Home Insurance and Car Insurance, there's a lot more going on at Marks & Spencers 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."

Cut Velvet Wave Cushion, at M&S
Square shape Wave design L50 x W50cm, Manufacturer: Marks & Spencer

Pearl & Silver Type Sister-In-Law Birthday Card, at Marks & Spensers
Cover text: To my sister-in-law happy birthday Inside message: Blank for your own message Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Luxury Glass Orchid, at Marks and Spencer
Add a touch of luxury to your home with this twin-stemmed phalaenopsis orchid. The glass pot helps to create an elegant, contemporary look Available for delivery from 1st April to 30th September 2009

Peep Toe Slingback Shoes, at Marks and Spencer
Peep toe Slingback style Bow feature Wedge heel Heel height 7cm Comes in sizes 3-8, including half sizes

Petite Knee Length Pencil Skirt, at Marks & Spencers
Sleek and stylish, this skirt makes a fashionable, flattering choice. Specially designed and perfectly proportioned for the petite frame

Pure Silk Abstract Print Tie, at M & S
Add a luxurious finishing touch with this contemporary abstract print tie in pure silk

Bamboo Collection Salad Servers, at Marks and Spencers
2 part set Includes salad fork and spoon, Manufacturer: Marks & Spencer

Portfolio Ponte Kickflare Trousers, at Marks and Spencers
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

Autograph Two Tone Bracelet Watch, at Marks and Spencers
Stylish and modern, this two tone bracelet watch gives a clean, smart look

Autograph Cotton Rich 3 Piece Waistcoat Outfit, 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

3 Cool & Fresh Pure Cotton Assorted Boxers, at Marks and Spencer
Made from soft breathable cotton, these comfy cool and fresh stripe boxers are ideal for everyday wear

Ruby Single Wardrobe, at Marks and Spencer
H190 x W70 x D55cm 2 drawers Hanging rail and shelf Clean white finish Made from solid wood Delivered flatpack due to size 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

Limited Collection Double T-Bar Shoes, at Marks and Spencers
Almond toe Double t-bar Buckle fastening Faux crocodile skin design Mid heel Heel heignt: 70mm Comes in sizes 3-8, including half sizes

Pure Cotton Thomas & Friends© Short Sleeve Stripe Polo Shirt, at Mark & Spencers
Fans of Thomas & Friends will love this cotton polo shirt featuring Thomas. A practical, easycare style

Sketchy Farm Animals Multipack of Mini Cards, at Marks n Spencer
Pack Contains: 8 cards, 4 designs Cover text: Design 1: Thank you, Design 2: Thanks! Thanks! Thanks!, Design 3: Thank you very much!, Design 4: Thank you 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: 95 x 80mm

Autograph Styled Pleated Brazilian Knickers, at Marks and Spencer
Sophisticated and feminine, these figure-hugging stretch briefs feature a pleated skirt design and lace detail. The shapely Brazilian style looks very modern and gives a flattering fit. Beautiful exclusive lingerie

Autograph Pure Cotton 3 Piece Cardigan Outfit, 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

Pure Cotton Spot Print Mock Layer Top, at Mark & Spensers
Cute and comfy, this pure cotton spot print top is outstanding value!

5 Cotton Rich Assorted High Leg Briefs, at MarksandSpencer
These low rise cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

2 Older Girls' Plain Crop Tops, at Marks and Spenser
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

10 Party Time Drinks Invitations, at Marks n Spencer
Cover text: Party time! Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

The Gum Adelaide Hills Sauvignon Blanc 2008 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Silver Plated Diamanté Charmer Hoop Earrings, at Marks and Spencer
Hook fastening Hoop design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Peppa Pig Number Rocket Puzzle, at Mark & Spensers
For ages 12 months - 3 years 12 pieces Peppa pig design This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Elipse Collection - Floor Lamp, at Mark & Spencers
Oval shade Split stem Square base 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 , Manufacturer: Marks & Spencer

Handcrafted Glitter Heart Valentine Card, at Marks & Spenser
Cover Text: Love Be mine You are my best friend Be my Valentine Love is all you need! Will be yours always! I heart you Hearts Flowers Kisses Inside Message: Happy Valentine's Day Approx size: 15 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Lochmuir™ Salmon & Prawn en Croute, at Marks & Spensers
Serves 6 Ready to cook Suitable for freezing 1kg As featured on page 39 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Limited Collection Pyramid Stud Belt, at Marks and Spencer
Fashionable and fabulous, this pyramid stud belt adds a trend-conscious finish to stylish outfits

3/4 Sleeve Ruched Jumper, at Mark & Spensers
Modern and stylish, this 3/4 sleeve jumper is a wardrobe essential

5 Cotton Lycra® Thongs, at Marks and Spenser
These high leg thongs are comfortable, flattering and perfect for avoiding visible lines under tight-fitting clothing

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 & Spensers 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 Spencer, through its M+S 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.