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. Marks & Spencers Money financial products are, of course, designed to make Marks and Spenser 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 & Spencers 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 & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

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

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

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money website:

• M&S Insurance: M&S Motor Insurance, M&S Property 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 n Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.

Linen Blend Single Breasted 2 Button Jacket, at Marks and Spencer
Smart and stylish, this tailored single breasted jacket is made from a crisp, cool linen blend

2 Easycare Long Sleeve Stripe Shirts, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Autograph Flock Stripe Padded Bra, at Marks and Spencer
Luxurious and elegant, this underwired bra features flock stripe design. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Pavilion Side Plate, at Marks & Spencer
Round shape Platinum detail, Manufacturer: Marks & Spencer

Spot Design Travel Ballet Slippers, at Marks&Spencer
Round toe Spot design Bow detail Slip-on Flat sole Ballet style

Bright Stripes Dad Birthday Card, at M&S
Cover Text: Dad happy birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Pure Cotton Quick Iron Long Sleeve Stripe Shirt, at Mark's & Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look.

Pure Cotton Ireland Rugby Top, at Mark & Spensers
A must for rugby fans! This official Ireland rugby top features the Irish motif. A modern easycare style in soft comfortable cotton

Musical Mirror Hair Brush, at Marks & Spencers
Star shaped mirror Brush Musical, Manufacturer: Marks & Spencer

Faux Pearl Delight Necklace, at M+S
Faux Pearls Intermittent beads Necklace length: 44cm

Bright Metallic Spots Roll Wrap, at Marks & Spencer
1 roll wrap Approx size: 150 x 70cm

Per Una 3/4 Sleeve Tile Print Dress with Wool, at Marks & Spensers
A pretty 3/4 sleeve dress featuring a tile print and back tie feature

Pure Cotton Check Print Batwing Shirt, at M & S
Smart and stylish, this check print 3/4 sleeve shirt is made from pure soft cotton. Batwing design adds a fashionable finishing touch

Resident Evil: Apocalypse Blu-ray DVD, at Marks and Spencer
Rating Suitable for 15 years and over,

Pure Cotton Panel V-Neck Shirt & Shorts, at Marks & Spencers
Contemporary and fashionable, these pure cotton pyjamas make the perfect choice for relaxing in style and comfort

Single Pleat Trousers with Wool, at Marks n Spencer
Cut from a wool blend fabric with elastane lycra for durability, good crease recovery and comfort, these smart trousers provide the utmost in everyday convenience thanks to a machine washable design

Blue Harbour Ultimate Linen Short Sleeve Shirt, at M&S
Relaxed and stylish, this short sleeve plain shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear Only available in XXXL

Autograph Mineral Face Powder, at Marks and Spenser
Hypoallergenic

Per Una Cotton Rich Bootleg Jeans, at Mark & Spencers
A smart pair of bootleg jeans in stretch cotton featuring twin front and rear pockets

Pure Cotton Plain Long Sleeve T-Shirt, at Marks n Spencer
An essential part of every woman's casual wardrobe, this great value tee is made from pure cotton, while long sleeves offer the perfect antidote to the winter chill

Fresh Rose Wax Lantern with Plate, at Marks & Spencer
Wax lantern Fresh rose roomscenter Roomscenter burns for up to 4 hours 15ml roomscenter Comes with candle plate, Manufacturer: Marks & Spencer

Autograph Pure Cotton Damask Duvet Cover, at Marks and Spencer
Berry damask print Reversible Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Autograph Pinstripe Suit Jacket, at Marks & Spensers
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

Multi Stripe Hipster Bikini Bottoms, at Marks & Spensers
Fashionable and flattering, these bikini bottoms feature a striking multi stripe design

Woodphotoframes - MULTI APP DESK, at Marks & Spencer
Manufacturer: Marks & Spencer

Limited Collection Round Toe Buckle Boots, at Marks and Spencer
Round toe Buckle feature Mid heel Comes in sizes 3-8, including half sizes

Collezione Cotton Rich Single Breasted 3 Button Jacket, at Marks and Spencers
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

Stitched Waistband Straight Leg Trousers, at Marks&Spencer
Smart and stylish, these straight leg trousers are outstanding value. They're easycare and makes a great choice for work

5 Older Girls' Pure Cotton Tatty Teddy Shorts, at M&S
Fun and fabulous, this 5 pack of cotton shorts feature assorted Tatty Teddy designs

Soft Touch DacronŽ All Seasons Duvet, at M&S
Joining duvet set Super-soft Dacron filling Non allergenic, Manufacturer: Marks & Spencer

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor 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 Marks & Spencers Money website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or Marks & Spencers Money loans, credit cards or Property Insurance - besides a number of other insurance products, Marks & Spencers 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 & Spencers Money insurance products (Property Insurance, Motor 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.