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. M&S Financial Services financial products are, of course, designed to make Marks & 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 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.

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.

Besides Marks & Spencers Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property 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 M&S Financial Services 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 Marks & Spensers purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Property Insurance and Standard Property 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.

5 Newborn Pure Cotton Sleeveless Animal Bodysuits, at Marks & Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings makes quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

Outstanding Value Polyester Bed Cover, at Marks & Spencer
Manufacturer: Marks & Spencer

Black Silver Glass Photo Frame 20 x 25cm (8 x 10''), at Marks & Spenser
Contrast border Rectangular frame Aperture: 20 x 25cm (8 x 10''), Manufacturer: Marks & Spencer

2 Machine Washable Floral Pattern Ties, at Marks and Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Girls' Limited Bold Stripe Tie Cardigan, 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

Classic Collection Velour Wedge Slippers, at Marks and Spencer
Treat your feet to the warm comfort of these velour wedge slippers. They're a terrific option for lounging around the home in cosy style

Granite Chopping Board, at Marks & Spenser
Rectangular design Smooth surface, Manufacturer: Marks & Spencer

Aeroplane & Suitcases Bon Voyage Card, at Marks and Spencer
Cover text: Bon Voyage Inner message: Blank for your own message Approx size: 178 mm x 126 mm

Pure Cotton Multiple Pocket Cargo Trousers with Belt, at Mark & Spensers
Sporty and stylish, these pure cotton cargos feature multiple pockets. A practical easycare style

Stick On Bra, at Marks & Spencer
Thanks to these moulded cups, you can get discreet support - great for wearing with strapless or backless dresses and tops

M&S 'Perfect A Putt' Putting Aid, at Marks & Spencers
Improve you ability to putt with this putting aid, aim towards the target as you would with a real hole and if the pace and direction of the putt is correct, the ball will push through the trapping system and will be retained. This is a great way to improve your putting technique when ever you have some time to spare

M&S 800W Microwave, at Marks and Spenser
800W microwave power output 20-litre interior capacity 6 variable power levels, including defrost Heating category E (MAFF rating for cooking time) Dimensions: H26 x W45 x D36cm 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

Classic Collection Styled Bootleg Jeans, at Marks & Spencer
Fashionable and flattering, these straight leg cotton rich jeans are made with added stretch for improved comfort, fit and shape retention

Large Bingley Bear Rosette Dad Birthday Card, at Marks & Spencer
Cover text: Happy birthday, Champion Dad, 1st Inside message: You're always a winner Approx size: 220 x 220mm

3 Pure Cotton Long Sleeve Shirts, at Marks & Spensers
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Stormwear™ Pure Cotton Ambassador Stripe Hat, at Mark's & Spencer
Designed to keep you dry, this hat is treated with Stormwear™, a unique finish that repels water and stains

Pocket Sprung Nursery Mattress, at Mark & Spencers
L140 x W70 x D15cm Spring count: 264 Pocket sprung for excellent support Cot bed not included Hygienic, moisture-resistant covering Suitable for the feet-to-foot sleeping position recommended by health professionals Fully conformed to current safety standards We recommend you ensure it is the correct size for the cot and that any gaps at the sides and ends are less than 3cm Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Oxford Toe Cap Shoes, at Marks and Spencers
Round toe Stitch detail Lace up Block heel

Bamboo Duck Board, at Marks & Spenser
Slated design Approx size: H3 x W36.3 x L56.5cm, Manufacturer: Marks & Spencer

Catarratto Inzolia 2008 - Case of 6, at Marks n Spencer
Style: Dry Grape variety: 50% Catarratto and 50% Inzolia Country of origin: Italy Closure: Synthetic closure Alcohol by volume: 12.5% vol. You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

White and Silver Small Honeymoon Photograph Album, at Marks and Spencer
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33mm Box: H168 x W215 x D40mm

Autograph Leather Zip Up Biker Jacket, at Mark's & Spencer
This super soft leather biker style jacket is 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

Single Hard-Top Divan with 1 Small + 1 Large Drawer & M100 Mattress, at Marks and Spencer
Single (3ft): W90 x L190 Mattress depth: 21.5cm Divan height: 41cm Divan drawer sizes: Large - H14 x W78 x D52cm, Small - H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table 1 large and 1 small drawer Mattress does not require turning All mattresses and divans are anti-allergy protected 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

Pure Cotton Straight Leg Jeans with Belt, at Marks & Spensers
These straight leg jeans in pure cotton are great value. A practical, easycare style

Cape Quarter Rosé 2008 - Case of 12, at Marks n Spencer
Style: Dry Grape variety: Mixed Ros Country of origin: South Africa Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 10% vol. Alcohol units per bottle:7.5 Alcohol units per 125ml: 1.3 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ultimate Bond Collector's Edition DVD Box Set, at Marks & Spencer
Rating Suitable for 15 years and over,

Stain Defence™ Non-Iron Adjustable Waist Trousers With Stormwear™, at Marks & Spencer
These trousers are treated with Stain Defence™ and Stormwear™ technology so they repel water and stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away

50/50 Bed Linen - Valance, at Marks & Spencer
Single: L190 x W91cm, frill depth 39cm Double: L190 x W137cm, frill depth 39cm King Size (5ft): L200 x W152cm, frill depth 39cm Super King Size (6ft): L200 x W183cm, frill depth 39cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Plain Summer Joggers, at Marks & Spencers
Relaxed and comfy, these casual joggers are made from soft cotton rich fabric. A practical easycare choice

Bottle Shaped Food Chopper, at Marks & Spenser
Bottle shape Clear plastic strip Contrast colour detail H25cm x W9cm, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Financial Services 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 M&S Financial Services website:

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

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.