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 Finance 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, Household Insurance policies. Usually, UK Household 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 Finance Household 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 Finance Household Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M&S Finance. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Finance 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 M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spencer, 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 M&S Financial Services, you get more, and you pay less.

M&S Finance 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 Household 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 Household 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Older Boy's Trecker Open Toe Sandals, at Marks & Spenser
Open-toe Slip on Double buckle riptape fastening Flat sole

Assorted Stripe Mug, at Marks n Spencer
Assorted stripe, Manufacturer: Marks & Spencer

Autograph Pure Cotton Stripe Satin Shirt, at Marks & Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Pure Cotton Woven Bold Stripe Pyjama Shorts, at Marks & Spencer
Soft and comfortable, these pure cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Utensils & Gadgets - AUTOGRAPH MASHER, at Mark & Spensers
Manufacturer: Marks & Spencer

Ingredients Coconut Body Butter, at Marks & Spencer
Body butter Coconut scent 200ml

The Floral Collection Moisture Rich Rose Handwash, at Mark's & Spencer
Rose fragrance Moisture rich Handwash 250ml

Secret Support™ Check Moccasin Slippers, at Mark's & Spencer
Round toe Check design Flat sole Comes in sizes 3-8

Blue Harbour Pure Cotton Palm Tree Print Shirt, at Marks & Spencer
Relaxed and stylish, this palm tree print shirt is made from pure cotton so it feels soft and comfortable to wear

Collezione Luxury Leather Messenger Bag, at Marks and Spencer
Whether you're heading off to school, work or simply the beach, keep your essential items within easy reach with the functional, stylish design of this great day bag

Cross Over Bodyshaper Swimsuit, at Mark's & Spencer
Fabulously fashionable, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Make a splash!

Ties Gift Card, at M&S
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Linen Blend Multi Button Trousers, at Mark & Spencers
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style

Swirl Wine Glass, at Marks&Spencer
Conical shape Swirl design Handmade Height: 24.5 cm Capacity: 38 cl, Manufacturer: Marks & Spencer

2 Alton Scroll Back Antiqued-Leather Chairs, at M&S
H103 x W55 x D66cm Upholstered in antiqued-leather Sold as a pair Solid oak Scroll back 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

M&S Stick Blender, at M+S
200 watt 2 speeds Stainless steel chopping blade Easy clean Dimensions: H34cm 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

Laser Cut Church Christening Card, at Marks and Spencer
Cover text: Christening Wishes, on your Christening Day Inside message: Blank for you own message Approx. size: 178 x 126mm

Multiple Zip & Pocket Cross-Body Bag, at Marks and Spencers
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and multiple pockets. A practical and stylish accessory

Lego™ City Fire Truck Toy, at Marks&Spencer
Suitable for ages 5+ Comes with a trailer and firefighting equipments This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Taffeta Skirt, at Marks & Spencer
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

Collezione Pure Wool Single Pleat Trousers, at Marks and Spencer
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Collezione Single Breasted 3 Button Suedette Jacket, at Marks & Spensers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Pure Cotton Ribbed Waist Combat Trousers, at Marks n Spencer
Fashionable and practical, these combat trousers feature a motif print. Soft cotton fabric and an elasticated waist will keep him feeling comfy

Dualit Jug Kettle - Cream, at Marks and Spencers
1.5 Litre - 12 cup capacity 3000 watt Rapid boil concealed element Washable limescale filter Cordless operation Large viewing windows on both sides Can be placed on its base at any angle Heatproof handle, ball knob and finger-guard Non-slip rubber feet Oversized non-drip spout Weight: 1.36kg Dimensions: H27cm 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 , Manufacturer: Marks & Spencer

Sleeveless Funnel Neck Spot Gilet, at Marks and Spenser
Cute and cosy, this funnel neck sleeveless gilet makes a comfortable and practical choice

Cotton Square Table Lamp, at Marks & Spencer
Square shade Satin-nickle finish square base Dimensions: H46 x W18 x D18cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Round Face Watch, at Mark's & Spencer
Round face Analogue time display Numeric style Buckle fastening Mock crocodile skin strap

Classic Collection Fleece Gilet with Detachable Faux Fur Collar, at Marks and Spencer
Add a cosy extra layer with this modern gilet. Fashionable as well as practical, it will keep you warm and comfy without compromising on style.

Niece Die Cut Letters Birthday Card, at Marks&Spencer
Cover text: Niece you're so nice Inside message: Blank for your own message Approx size: 150 mm x 150 mm

2 Pairs of Older Boys' Cotton Rich Bart Simpson Socks, at Mark's & Spencer
A must for fans of The Simpsons, these socks feature Bart skateboarding

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

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