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 Mark & Spensers are so useful. M&S Money financial products are, of course, designed to make Mark's & 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.

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 Home 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 Home 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.

Marks&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&Spencer 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 Direct 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 Mark's & Spencer insurance products in document format too.

Meccano® Maxi Digger Set, at Marks and Spencers
Tools included Over 50 parts included Builds one model Instructions included Suitable for ages 8 years to adult This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Cotton Rich Roma Bootleg Jeans with Belt, at Marks and Spencer
Includes belt shown A fashionable pair of bootleg trousers in stretch cotton featuring a snake effect belt

Caesar Salad, at Mark's & Spencer
Serves 8 Ready to eat 800g As featured on page 26 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

Autograph Punch Stitch Apron Shoes by Jeffery-West, at Marks n Spencer
Slip-on Square toe Stitch detail Shallow block heel

Petite Single Breasted 1 Button Jacket, at Marks and Spencer
Chic and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

Numbers Book, at Marks and Spencers
Little hands will love this bright chunky numbers book

Moulton TV Unit, at Marks and Spencer
H55 x W120 x D45cm Equipment space: H13 x W112 x D55cm 2 soft-close draws Glass top Glass table tops are made from safety-tested toughened glass Made from solid ash and ash veneer 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

Pure Cotton Front Frill Stripe Top, at Marks & Spencer
Smart and stylish, this front frill top is made from cool comfortable cotton and features a stripe design

HP TouchSmart tx2-1160ea Notebook, at M&S
Processor: AMD Turion™ X2 Dual-Core Mobile Processor RM-75 Processor speed: 2.2 Ghz, Level 3 cache 1 MB Memory: 3072 MB (1 x 1024 MB + 1 x 2048 MB), Supports up to 4 GB DDR2 memory Hard Drive: 320 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery Display: 12.1'' Diagonal WXGA High-Definition HP LED BrightView Widescreen Display with Integrated Multi Touch-screen (finger and digitizer pen optimized) Operating System: Genuine Windows Vista Home Premium with Service Pack 1 Graphics Card: ATI Radeon™ HD 3200 Graphics with 64MB Display Cache Memory Up to 1470 MB Total Available Graphics Memory DVD Drive: Lightscribe Super Multi DVD Writer (+/-R +/-RW) with Double Layer support Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 3 USB 2.0, 1 VGA port, 1 RJ45, 1 RJ-11 ethernet connector Expansion Port 3, 1 Headphone out w/ SPDIF Digital Audio, 1 mic-in, consumer IR Connectivity: Integrated 10/100/1000 Gigabit Ethernet LAN 802.11a/b/g/n WLAN, Bluetooth wireless networking, One ExpressCard/34 slot Media Software: HP MediaSmart Suite, Windows Media Player, Windows Photo Gallery, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media center, HP Games Console with hours of free game play Other Software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, HP MediaSmart Suite, Digital Persona Fingerprint reader software, HP Total Care Advisor Dimensions: L22.40 x W30.60 x H3.73cm Battery: 4-cell and 8-cell Lithium-Ion (Li-Ion) battery Weight: 1.963kg

Black Aluminium 20cm Saucepan, at Mark & Spensers
Triple layer non-stick finish Excellent for low fat cooking Riveted silicone and stainless steel handles offer an easy grip Suitable for all cooker types Oven safe up to 180C/350F/Gas Mark 4 2.8 litre capacity Glass lid, Manufacturer: Marks & Spencer

Leather Multi Colour Loop Belt, at Marks and Spencer
This leather notched belt is ideal for wearing with casual styles

4 Pairs of Ribbed Wool Rich Socks, at Marks & Spencers
Warm and comfortable, these easycare socks are made from a blend of finesoft lambswool and resilient nylon so they have the softness, breathability and absorbency of wool and are hard wearing. A reinforced heel and toe gives extra durability

First Readers Rumpelstiltskin, at Marks and Spencer
The miller's daughter is helped by Rumplestiltskin to spin the straw in the castle to gold, but what does Rumplestiltskin want from her?

3/4 Sleeve Front Tie Mock Layer Top, at Mark & Spencers
It looks like a vest and a top, but this fashionable mock layered design is just one piece. The stripe print adds a stylish touch.

Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencer
Whether you're travelling the world or staying closer to home, our travel shirts are specially designed to keep you looking and feeling your best. Crease resistant to maintain a smart appearance, a special finish draws moisture away from the body to keep you cool while the incredibly breathable shirt fabric is woven to maximise the flow of air between the yarns

Bubble Base Wine Glass, at M & S
Bubble base design Hand made glass with heavy base Height: 19.5cm Capacity: 250ml (25cl), Manufacturer: Marks & Spencer

Cotton Rich Colour Block Sleeveless Dress, at Marks and Spencer
Chic and stylish, this sleeveless dress makes a great choice for work or smart occasions

Per Una Knitted Sleeve Hooded Jacket, at Marks & Spenser
A casual hooded jacket featuring a zip fastening and knitted sleeve

Secano Estate Rosé Pinot Noir 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Pinot Noir Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Mirrored Tallboy & Sink Unit, Sink, & Tap Set, at Marks and Spencer
Sink Unit: H89 x W60 x D43cm Tallboy: H166 x W41 x D37cm Tallboy comes with 3 shelves 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 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

Fuzzy Farm Book, at Marks & Spenser
Children will enjoy using their creative skills as they place themed felt pieces onto the fuzzy pages. This simple text will guide the reader, but hours of imaginative play are sure to follow

Cross Dye Quilted Bedcover, at Marks and Spencers
Stitch detail Contains padded quilting Available in 2 sizes Medium: L150 x W200cm Large: L260 x W265cm, Manufacturer: Marks & Spencer

Silver Celebration Cake, at Marks & Spensers
36 portions Fruit cake: Vine fruits, nuts and cherries laced with brandy. Cake weight 2.7kg. Fruitcakes can be eaten up to 14 days after collection Sponge cake: All-butter sponge filled with buttercream and raspberry jam. Cake weight 1.7Kg. Sponge cakes can be eaten up to 5 days after collection Cake size: 20.5cm square Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 in the food to order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Pure Cotton Long Sleeve Slogan Top, at Marks & Spencers
Fun and fashionable, this pure cotton long sleeve slogan top is outstanding value!

Younger Boys' Bump Toe Lace-Up Boots, at M & S
Round bump toe feature Stitch detail Lace-up Flat sole Comes in sizes 4-13

Artificial Magnolia in Ribbed Oval Pot, at Marks & Spencer
Artificial magnolia flowers Ceramic oval pot H70cm, Manufacturer: Marks & Spencer

Autograph Silk Rich Pleated String, at Mark's & Spencer
Elegant and feminine this figure-hugging string is made from a luxurious silk rich fabric and finished with a contrast lace trim. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Pacific Coffee Table, at Marks and Spencers
H42 x W76 x D76cm Handwoven in natural pandan leaves around a solid wooden frame Solid wood feet with glides With toughened glass top This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Big & Tall Flat Front Trousers, at Marks and Spenser
No more trips to the drycleaners! These smart, fashionable trousers are machine washable. Perfectly proportioned for big and tall men

Nokia 6300 - Vodafone Pay as you talk Mobile Phone, at Marks and Spencer
Maximum of 2 phones per customer may be purchased Talk Time: Up to 3.5 hours Stand-by Time: Up to 14 days Screen: 320 x 240 pixel TFT QVGA screen, up to 16.7 Million True colors, 2 inch Ringtones: Video ringing tones , MP3 ringing tones, True tones, and MIDI tones for up to 64 polyphonic tones Dimensions: H10.6 x W4.3 x D1.3cm. Weight: 91g Camera: 2 megapixel, 8x digital zoom and full screen viewfinder Radio: FM stereo radio with Visual Radio Music player: Music player supporting MP3, MP4, AAC, AAC+, eAAC+, H.263, H.264 Internet: XHTML browser, access your email on the go and send attachments Vodafone Pay as you talk: Your mobile service provider will be Vodafone. A Vodafone SIM card is included with this handset. Click here to view Vodafone's Pay as you talk tariffs. Games and applications: Java™ MIDP 2.0 games and applications Memory: Up to 7.8 MB internal user memory. MicroSD card slot (up to 2GB) for storing pictures and music Messaging: SMS and MMS Battery: BL-4CBattery(860 mAh) Voice Features: Voice recorder, voice volume control, voice commands, voice messaging, integrated handsfree speaker Connectivity: Mini USB, Bluetooth, AV 2.5mm Video: Video recorder and player Includes in the box: Nokia 6300 handset and Nokia stereo headset HS-47 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

When you're shopping at Mark's & 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."