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 M+S are so useful. M&S Financial Services financial products are, of course, designed to make MarksandSpencer 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 M&S Financial Services 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 M&S Financial Services Property 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 Property Insurance or Car Insurance, but Mark's & 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 Financial Services 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 M&S Financial Services loans, credit cards or Property 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 (Property 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.

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 Property 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 Property 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.

Olympus µ-9000 Digital Camera, at Marks & Spencer
Extra slim 10x wide optical zoom (28-280mm*) in a compact metal body to capture great scenes through to exciting close-ups Avoids blur thanks to Dual Image Stabilisation (combines mechanical and digital image stabilisation) The easy way to perfect images - Intelligent Auto Mode detects the five most commonly used scenes and adjusts settings, focus and exposure automatically 12 Megapixels to make poster-size prints if you want to 6.9cm/2.7" HyperCrystal III LCD for best ever preview even in brilliant sunlight and at extreme angles (230,000 dots) Face Detection for perfectly focused and exposed faces. In combination with Shadow Adjustment Technology other main parts of the picture are also correctly exposed TruePic III image processor for faster image handling and higher image quality xD-Picture Card and microSD Card compatible Lens: optical zoom: 10 x (WIDE); Aspherical glass elements: 5; Focal length: 5.0 - 50.0 mm; Focal length (equiv. 35mm): 28 - 280 mm; Structure: 9 lenses / 6 groups; Maximum aperture: 3.2 - 5.9; Digital Zoom: 5 x / 50 x combined with optical zoom LCD: Resolution: 230000 dots; Monitor size: 6.9 cm / 2.7 ''; LCD type: HyperCrystal III LCD; Frame assistance: Yes; Brightness adjustment: +/- 2 levels; LCD backlight boost: Yes Focusing System: Method: TTL iESP auto focus with contrast detection; Spot focusing: Yes; Face Detection AF: Yes; Standard mode: 0.5m - (wide) / 1.0m - (tele); Makro mode: 0.1m - (wide) / 0.9m - (tele); Super Macro mode: Closest focusing distance: 1 cm Light Metering: ESP light metering, Spot metering, Histogram in shooting mode enabled Number of scene modes: 14 Sensitivity: Auto and manual Internal Flash Modes: AUTO, Red-eye reduction, Fill-in, Off Image Editing: Black & White, Sepia, Resize, Trimming, Attach a calendar, Correction of saturation, Beauty Fix, Red-eye reduction, Shadow Adjustment Memory: 45 MB Dimensions: W96 x H60 x D31mm Weight: 185 g (without battery and card)

5 Cotton Rich Multi Spot Shorts, at Marks & Spensers
These 5 cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Portfolio Mosaic Bead Necklace, at Marks and Spencers
Clasp fastening Adjustable length Mosaic bead design Necklace length 81cm

3 Cool & Fresh Cotton Rich Assorted Trunks, at Marks&Spencer
Made from soft breathable stretch cotton, these comfy trunks are ideal for everyday wear

Pacific Armchair, at M & S
H92 x W83 x D91cm Seat: H54cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 Cushion covers are removable on this range Frame made from solid wood wrapped in pandan. 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 Pine feet with a light 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 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

Autograph Weekend Lightweight Bold Spot Print Scarf, at Marks and Spenser
Add a touch of sophisticated style with this shimmering scarf. The perfect lightweight layer to wrap over this season's tops and dresses

Stripe Zip-Up Fleece Jacket, at Marks & Spencer
An essential part of any wardrobe, this great value zip-up fleece is warm and cosy. A fashionable and practical choice

Pocket Core Stability, at Marks & Spencers
Train your body for better posture, strength and alignment with this pocket size guide to core stability. This book is jam packed with helpful tips, techniques & training routines that will help boost both your body's core strength and stamina

Clear Glass Bowl, at Marks and Spencer
Clear glass Transparent, Manufacturer: Marks & Spencer

Castillo del Moro Airen Sauvingon Blanc 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: 85% Airen and 15% Sauvignon Blanc Country of origin: Spain Closure: Screw cap Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml: 1.4 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

The High Waist Military Style Trousers, at Marks and Spencers
Military styling is a hot look for the new season so get in line with these fashionable high waist trousers. The button stud detailing makes them definite must haves

Ultimate Non Iron Pure Cotton Neutral Stripe Shirt, at Mark's & Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Brown Square Reading Glasses, at Marks & Spencer
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Brown square frame design

Girls' Limited Pure Cotton Acid Wash Dress, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

5 Pairs of Newborn Cotton Rich Plain Socks, at Marks & Spenser
Comfortable, practical and fashionable, this pack of 5 pairs of socks is made with soft breathable cotton

The Cotton Collection Cotton Bud Hand Cream, at M+S
Moisturising hand cream 250ml bottle with pump

Blue Harbour Pure Cotton Corduroy Trousers, at Mark & Spensers
Relaxed and comfortable, these smart casual cords are made from pure cotton and feature front and rear pockets

Signature Ginger Lily Scented Filled Candle, at MarksandSpencer
Ginger lily fragrance Glass holder, Manufacturer: Marks & Spencer

5 Pairs of 15 Denier Matt Ankle Highs, at Marks & Spencers
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top is designed to keep them in place without leaving marks

Autograph Pure Cotton Animal Border Duvet Cover, at M & S
Co-ordinate with satin stitch white plain dye sheets and pillowcases strokes T356490F,T356490S,T356940P Embroidered detail Comes in Single (3ft), Double (4ft 6in), King Size (5ft) and Super King Size (6ft), Manufacturer: Marks & Spencer

Blue Harbour Plain Swimming Shorts, at Marks & Spencer
A great value pair of shorts offering a secure fit, while multiple pockets should come in handy for that relaxing walk on the beach

Classic Stripe Long Sleeve Pyjamas, at Mark's & Spencer
Soft and breathable, cotton blend pyjamas are the natural choice for a comfortable night's sleep

Formula Moisturising Age Repair Toner, at Marks&Spencer
Targets wrinkles and fine lines Hypoallergenic Suitable for all skin types Alcohol free Ceramide for younger looking skin Zinc complex to normalise and balance Witch hazel to tone and refresh 200ml

Autograph Pure Silk Christening Gown, at Mark's & Spencer
Beautifully embellished with a pleated bodice, this special dress is so pretty. The soft silk will keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Girls' Limited Pure Cotton Studded Vest, at Marks and Spencers
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

XBOX 360® - Forza Motorsport 2 Game, at Mark's & Spencer
300 of the world's hottest cars for you to collect, personalise and race Lap the competition with true next-generation features made possible by power of the Xbox 360 Experience uncompromising physics Race real world traks such as Silverstone, Tsukuba and Laguna Seca Collect, upgrade and tune hundreds of cars including Ferrari, Porsche, Nissan, VW, GM and Lamborghini Compete online by taking your personalised car onto Xbox Live for some intense online wheel-to-wheel racing 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 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, Platforms: Xbox 360, ESRB Rating: Everyone

Multi Strand Mixed Bead Necklace, at Marks and Spencer
Adjustable length with clasp fastening 3 strand style Mixed bead design Length: 41cm Extendable by: 8cm

Lone Range Pinot Noir 2006 - Case of 6, at Marks & Spencers
Style: Full bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Natural cork Bottle: 6 x 75cl. Suitable for vegetarians 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

Cotton Blend Pleated Ribbons Bedset, at Marks and Spencer
Pleat design Ribbon detail 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, Manufacturer: Marks & Spencer

Blue Harbour Luxury Pure Cotton Royal Oxford Check Shirt, at Marks & Spencer
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

When you're shopping at Marks & Spenser 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 Financial Services. Offering everything from savings accounts and credit cards, to Property Insurance and Car 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 M&S Financial Services. 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 Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."