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

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

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

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Motor Insurance. With Marks & Spencer Money you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencers, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from Marks & Spencers Money, you get more, and you pay less.

5 Assorted Bikini Knickers, at Marks and Spencers
These cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Cecily's Garden Yellow Roses Engagement Card, at Marks & Spencers
Cover text: With love on your Engagement Inside message: Blank for your own message Approx size: 150 x 215mm

Laser Cut Heart Wife Birthday Card, at Mark's & Spencer
Cover text: Wife, Have a wonderful birthday Inside message: With lots of love Approx size: 175 mm x 125 mm

Footglove™ Lace Up Shoe Boots, at Marks & Spencer
Round toe Lace up Stitch detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Compact Umbrella with Built In Light, at M&S
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours and even has a built in light for those dark nights

Casa Leona Sauvignon Blanc 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Synthetic closure 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

Stainless Steel Avocado Slicer, at Marks and Spencer
Looped handle for hanging storage L21cm, Manufacturer: Marks & Spencer

Enchanted Pearl Embroidered Bedset, at MarksandSpencer
Embroidered bedset Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double 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 cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Sony 1GB Compact Flash, at Marks & Spensers
For high quality pictures by Digital SLR camera having CompactFlash slot High speed transfer rate of 66x: 10 MB/s read, 9 MB/s write Recording Capacity: 1GB Interface: CompactFlash Slot Operating voltage: 3,3 - 5V Minimum write speed: 9MB/s Minimum read speed: 10MB/s Environmental temperature: 0-70C W42.8 x H36.4 x D3.3mm Weight: 12g 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

3 Pairs of 40 Denier Opaque Tights, at Marks & Spencers
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Dinosaur Hunt Activity Pack, at Marks & Spenser
Suitable for ages 5+ years Includes dinosaur activity book, dinosaur fact file, 2 x prehistoric board games, 4 x fearsome playing pieces and board game spinner Helps kid's learn more about the mysterious world of dinosaurs Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Cookware - HA MILK PAN, at Marks & Spensers
Manufacturer: Marks & Spencer

Pheasant Gully Chardonnay Semillion 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Synthetic closure 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

Pure New Wool Crew Neck Jumper, at Marks and Spencer
Made from pure lambswool, this plain jumper is irresistibly soft and cosy. It features a crew neck for a fashionable look

Autograph Weekend Check Print Top with Camisole, at Marks and Spencer
Sophisticated and modern, this short sleeve top is beautifully designed and cut for a flattering shape and features a striking check print

Big & Tall Flat Front Linen Trousers, at Marks & Spencer
Crisp and smart, these flat front trousers are made from a cool linen blend. Perfectly proportioned for big and tall men

PS3™ 80GB with Pure & Tomb Raider Games Bundle, at Marks & Spencers
Bundle includes PS3 80GB console and 2 games: Pure & Tomb Raider Game 1: Pure - Thrill seekers will be racing against skilled rivals and performing gravity defying aerial tricks in Pure, an extreme sports off-road racing video. Pure takes off-road racing to a new level. Featuring vertigo-inducing massive aerial jumps and spectacular airborne tricks in photo-realistic real-world locations all over the globe, Pure delivers heart-pounding experiences unique to the genre Game 2: Tomb Raider - The first lady of gaming returns in Tomb Raider - Underworld with her deepest and darkest adventure yet. Ostensibly searching for the mythical hammer of the Norse god Thor, the real draw of the game is exploring the underworlds of multiple different cultures 80GB HDD for storing games, music, videos and photos High-Definition Blu-ray player for the best movie experience Internet ready with built-in Wi-Fi Two USB ports HDMI output for 1080p resolution (cable sold separately) Plays DVDs and CDs Cell Broadband Engine advanced microprocessor DUALSHOCK3 wireless controller Free PlayStationNetwork membership AC power cord AV cable USB cable Console dimensions: W32.5 x H9.6 x L27.4cm Please note: User responsible for all applicable Internet fees. Some services or features may require additional fees. Video output in HD requires cables and an HD-compatible display, both sold separately. Copy-protected Blu-ray video discs can only output at 1080p using an HDMI cable connected to a device that is compatible with the HDCP standard. HDMI cable not included

Autograph Single Breasted 1 Button Morning Jacket, at Marks & Spensers
Traditionally tailored with classic tails, this single breasted morning jacket ensures you'll look the part thanks to a three button cuff and a touch of Pure New Wool for a luxuriously comfortable fit

Dinner Jazz CD, at M & S
Audio CD, Marks & Spencer

Limited Collection Short Sleeve Top, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

16-Piece Stainless Steel Cutlery Set, at Marks & Spensers
16-piece set Includes 4 forks, 4 knives, 4 spoons and 4 teaspoons Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Faux Pearl Stud Earrings, at Marks & Spencer
Butterfly stud fastening Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

Moulton Side Table, at Mark & Spensers
H55 x W55 x D55cm Round table Glass top Glass table tops are made from safety-tested toughened glass Bottom under shelf Made from solid ash and ash veneer All wooden shelving is finished with a starburst veneer effect 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 SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Moulton Collection Set. , Manufacturer: Marks & Spencer

Sprung-Edge Divan with 2 Large + 2 Small Drawers & M400 Mattress - Soft, at Marks and Spencers
Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

24 Mini Chicken Kievs, at Marks & Spensers
Contains 24 pieces Serves 6 Ready to cook Suitable for freezing 640g total weight As featured on page 12 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores, Manufacturer: Marks & Spencer

Pure Cotton Printed Cars Polo Shirt, at Marks and Spencers
Fans of Cars will love this cotton polo shirt featuring the popular character. A practical, easycare style

Monaco Collection - Chrome Table Lamp, at Marks and Spencers
Organza Shade Glass droplet detail Chrome Base Dimensions: H50 x Diam 25cm Bulb: 60W ES or 11W CFL, Manufacturer: Marks & Spencer

Clip-On Booklight, at Marks and Spencer
Shed some light on the subject with this lightweight compact clip-on booklight which comes complete with batteries

Ingredients Shea Nut Lip Butter, at Marks and Spencer
To help soften and smooth your lips Shea nut flavour 12ml

125 Years Limited Collection Vest & Shorts Set, at Marks and Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Besides Marks & Spencer Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Home Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With Marks & Spencer Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your M&S purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Home Insurance and Standard Home Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.