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 & Spenser are so useful. M&S 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks and 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 Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks and 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."

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

Leather Reversible Gunmetal Buckle Belt, at Mark & Spensers
Add a smart finishing touch with this reversible leather belt

Watercolour Floral Multipack of Easter Cards, at M+S
Cover text: design 1: Happy Easter, design 2: Easter Wishes Inside message: All designs, blank for your own message 6 cards, 2 designs Approx size: 145 x 70mm

Stainless Steel Milk Jug, at Marks & Spensers
Stainless steel Single handle Pouring spout, Manufacturer: Marks & Spencer

Ceriso Floral Print Thong with Silk, at M&S
Flirty and feminine, this modern thong features a floral design. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Pure Cotton Floral Embroidered Trousers with Belt, at Marks and Spenser
The pretty floral embroidery makes these fashionable trousers extra special. Soft cotton fabric and an elasticated waist will keep her feeling comfy

BT Verve 450 Single Cordless Phone with Answering Machine, at Marks and Spenser
Fully GAP compatible (register up to 5 handsets) 200 name and number directory Text messaging Clock/alarm Call timer Caller groups with individual ring tones Conference call 10 hours talktime, 100 hours standby Up to 15 minutes recording time for the answering machine Message counter Answer only option Playback through base or handset Call screening 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

Blue Harbour Pure Cotton Long Sleeve Oxford Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this Oxford stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Recycled Funnel Zip Neck Fleece, at Marks and Spencers
An ideal choice for school, this fleece is made from polyester from 100% recycled sources

Pure Cotton 3/4 Sleeve Floral Print Top, at Mark & Spencers
Smart and stylish, this boat neck top is made from cool comfortable cotton and features a floral print

Bamboo Soap Dispenser, at Marks & Spencers
Approx size: H7 x W7 x L16cm Pump action Bamboo design, Manufacturer: Marks & Spencer

Pocket Swiss Ball, at Marks & Spencers
This pocket size Swiss Ball book is jam packed with fun tips to help you improve how your body looks, feels and works, giving both your mind and body a good workout

Autograph Leather Soho Bag, at Marks & Spencer
Luxurious and beautiful, this chain handle bag is part of our exclusive Autograph collection. It's made from matt and glossy leather, and is useful and practical as well as being a highly desirable fashion accessory

Autograph Essentials Puff Sleeve Top with Silk, at Marks and Spencer
Part of the Autograph Essentials collection, this puff sleeve top will make a useful addition to your wardrobe. It features a round neck for a stylish casual look

Ruby Dinner Plate - Red, at Marks & Spencers
Plain centre Stripe edge Diam 27.5cm, Manufacturer: Marks & Spencer

Classic Collection Stripe Trousers, at Marks & Spensers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Classic Collection Textured Shirt with Camisole, at Marks & Spencer
Ideal for everyday wear, this smart shirt with a camisole is made from soft easycare fabric and the fit is comfortable and flattering. A fashionable and practical style

Blue Harbour Stormwear™ Funnel Neck Jacket, at Marks&Spencer
Extra small ideal for Boys and Back to School Stylish and innovative, this Blue Harbour jacket is treated with Stormwear™ technology, a breathable finish that repels water and stains

Silver Plated Twisted Leaf Cluster Earrings, at Marks and Spencers
Hook fastening Drop style Twisted leaf detail

Blue & White Floral Mum Card, at Marks & Spenser
Cover text: Happy Birthday Mum Inside message: With lots of love Approx size: 178 x 126mm

Scrapbook Cupcake 18th Birthday Card, at Marks and Spencers
Cover text: Happy birthday 18 Inside message: Have a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Cotton Rich V-Neck Cardigan, at Marks & Spencer
A practical choice for school, this soft cotton rich cardigan is easycare for convenience

Below the Waist Skinny Jeans, at Marks and Spencer
Long and lean, skinny jeans are an edgy modern style. This pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

Classic Crudité Selection, at MarksandSpencer
Serves 8 4 varieties of vegetables and dip Ready to eat Suitable for vegetarians 670g As featured on page 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

Pure Linen Short Sleeve Fine Stripe Shirt, at MarksandSpencer
This fashionable pure linen top features a stylish pleated front pockets and sleeve for a fab contemporary look

Pure Cotton Short Sleeve Plain Shirt, at Marks and Spencer
Stylish and innovative, this easycare short sleeve shirt is quick and easy to iron for a smart crisp look

Pure Cotton Transformers T-Shirt, at Marks and Spencer
Fans of Transformers will love this short sleeve t-shirt featuring Optimus Prime. A practical, easycare style

Cotton Rich Stripe Low Rise Shorts, at Marks & Spenser
Low rise shorts are perfect for wearing with hipster styles and these cute stripe design shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Short Sleeve Camouflage Surfer T-Shirt, at Marks & Spencers
A practical, casual top in pure cotton featuring an embroidered camouflage surfer design. A great value easycare style

Classic Collection Short Sleeve Floral Print Nightdress, at Mark's & Spencer
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty lace detail

Autograph Essentials Embroidered Highleg Knickers, at Marks & Spencers
Stunningly stylish these flattering briefs feature a feminine embroidered design. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

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 Motor 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; Motor Insurance and Buildings & Contents 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 Buildings & Contents 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.