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 n Spencer are so useful. Marks & Spencers 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 Marks & Spencers 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 Marks & Spencers Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at Marks & Spencers Money 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 Marks & Spencers Money website:

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

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.

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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Car Insurance, there's a lot more going on at Marks & Spenser than you might imagine.

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

Girly Cupcake Duo Multipack of Cards, at Marks and Spencers
Cover text: Design 1: blank, Design 2: happy birthday Inside message: Both designs: blank for your own message Pack contains: 8 cards, 2 designs Approx size: 138 x 138mm

5 Scalloped Trim Shorts, at Mark & Spensers
Cute and trendy, this 5 pack of cotton knickers makes a great way to stock up on essential style

Body Solutions Tummy Control Pencil Slip, at Marks and Spencers
Designed to enhance the look of your dresses, this tummy control slip gives a smooth silhouette so it can be worn conventionally

Domaine Joseph Garnier Chablis 2007 - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ruby Cereal Bowl - Black, at M & S
Deep dish Plain centre Stripe edge Diam 16cm Fine china, Manufacturer: Marks & Spencer

Grape Bead Necklace, at Marks and Spencer
Grape shape beads Intermittent design Adjustable length Clasp fastening Rope chain Necklace length 41cm, extendable by 8cm

Formula Instant Fix Midnight Beauty Cream, at Marks & Spensers
Visibly brighter complexion Skin is supple, refreshed and more radiant Skin is recuperated, energised and invigorated Suitable for all skin types Hypoallergenic In 4 weeks, 87% of women who tested the cream reported their skin felt refreshed, revitalised and invigorated A combination of lavender active, to release endorphins, detoxifying guarana, nourishing rosehip and liquorice, helps to even skin tone 30ml

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

Pure Cotton Embroidered Bird Booties, at Marks & Spencers
Cute and comfy, these practical booties feature an embroidered bird and flower design. A soft stretchy cuff keeps them on securely

Disney Winnie the Pooh I Love You Book, at Marks and Spencers
Young children will love seeing their picture in this charming book all about things to do. With fun rhymes and simple activities to help your little one recognise colours and shapes, and learn to count

Philips 42FL5604 42" Full HD Digital LCD TV, at Marks & Spensers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: LCD Full HD W-UXGA Act. matrix, 1920 x 1080p Screen Enhancement: Anti-Reflection coated screen Brightness: 500 cd/m Viewing angle: 178 (H)/178 (V) Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Sound: Output power (RMS) - 2 x 10 W; Sound Enhancement - Incredible Surround, Treble and Bass Control; Sound System - Nicam Stereo Child Protection: Child Lock+Parental Control Smart mode: Game, Cinema, Personal, Energy saving, Standard, Vivid Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Tuner bands: Hyperband, S-Channel, UHF, VHF Connectivity: Ext 1 Scart - Audio L/R, CVBS in, RGB; Ext 2 Scart - Audio L/R, CVBS in, RGB; Ext 3 - YPbPr, Audio L/R in; Front/Side connections - HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0 Other connections - Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface; HDMI 1/2 - HDMI v1.3; EasyLink (HDMI-CEC) - One touch play, System info (menu language), Remote control pass-through, System audio control, System standby Mains power: 220240 V, 50 Hz Power consumption: 210 W Dimensions: W103.4 x H64.4 x D8.3cm Weight: 16kg, 20kg(with stand) Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries Pixel Plus HD for better details, depth and clarity 28.9 billion colours for brilliant natural images Dynamic contrast 50000:1 for incredible rich black details 2.1 channel surround with subwoofer for deep bass USB for fantastic multimedia playback 3 HDMI inputs with Easylink for a full HD connection PC-input allows you to use your TV as a PC monitor MPEG4 HDTV reception via DVB-T and DVB-C tuner with CI+ 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

2 Pairs of 10 Denier Shaping Matt Tights, at M&S
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

Pure Cotton Thomas & Friends© Top & Joggers Outfit, at M&S
Fans of Thomas & Friends will love this 3 piece joggers outfit featuring the popular character Thomas the tank engine. Fun, practical and great value

Sterling Silver Twist Pendant, at Marks & Spencer
Twist design Fine chain Length: 41cm This product is not available for international delivery. Find out more

Golf Range Finder, at Mark & Spensers
A useful tool in practice sessions for calculating the distance to the flag from your current position. You can use this information to help choose the club you need to use. The range finder measurers in yards and metres and has a field of 9.30 wide angle

Country Bunch Family Home Card, at Marks and Spencer
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Hepworth Display Cabinet, at Marks & Spenser
H190 x W90 x D47cm With 3 drawers 2 glass doors 3 glass shelves Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Side panels, door panels and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs Door frames made with solid European Birch. Door panels are veneered 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 , Manufacturer: Marks & Spencer

125 Years Pure Cotton Twill Check Shirt, at Marks & Spensers
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

HP Compaq Presario CQ61-120SA Notebook, at Marks & Spenser
Processor: Intel Pentium processor T4200 Processor speed: 2 GHz, Level 2 cache 1 MB RAM: 3072 MB (1 x 1024 MB + 1 x 2048 MB), Supports up to 8 GB DDR2 memory Screen: 15.6" Diagonal High Definition HP LED Brightview Operating System: Genuine Windows Vista Home Premium with Service (32-bit) Hard Drive: 250 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery DVD Drive: Lightscribe Super Multi DVD Writer (+/-R +/-RW) with Double Layer support Graphics card: Intel Graphics Media Accelerator 4500MHD Up to 1309 MB Total Available Graphics Memory Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards, MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 1 headphone-out, 1 mic in, 3 USB, 1 HDMI connector, 1 VGA port, 1 RJ45 ethernet connector Connectivity: Ethernet 10/100BT integrated network interface 802.11b/g WLAN Battery: 6-cell Lithium-Ion (Li-Ion) battery Media software: Windows Media Player, Windows Photo Gallery, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media Center Additional software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, Dimensions: L37.8 x W25.2 x H4.36cm Weight: 2.75kg

Supima® Pure Cotton Non-Iron Plain Flat Sheet, at Marks & Spensers
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel 180 thread count Single: W178 x L260cm Double: W228x L260cm 5ft (Queen): W275cm x L275cm 6ft (King): W310 x L275cm Depth 25cm, Manufacturer: Marks & Spencer

Portfolio Multi Strand Faux Pearl Necklace, at Marks & Spencer
Clasp fastening Adjustable length Multi strand Faux pearl design Necklace length: 41cm, extendable by 8cm

Classic Collection Pure Cotton Stripe Insert Top, at M+S
Modern and stylish, this versatile top is made from soft easycare fabric and features a stripe design. A fashionable style with a comfortable, flattering fit

Classic Fragrance Florentyna Soaps, at Marks and Spenser
3 x 75g soaps Round soaps with rose petal detail Rose petal detail Moisturising formula Box dimensions: W20.5 x D2.5x H7cm

Pure Cotton Short Sleeve Graded Stripe Polo Shirt, at Marks & Spenser
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a graded stripe design. Practical, comfortable and easycare

T345623C, at Marks & Spenser
Manufacturer: Marks & Spencer

Pure Cotton Sequin Heart Belt Cargo Trousers, at Marks & Spencer
Comes with belt shown in image Fresh and fashionable, these pure cotton below-the-knee trousers look chic with wedges, sandals or flat pumps. Cargo style side pockets add an extra touch of style

Autograph New Cosmic Y Necklace Made with CRYSTALLIZED™ - Swarovski Elements, at Mark & Spencers
Y design Gold plated Clasp fastening Adjustable length Made with CRYSTALLIZED™ - Swarovski Elements Necklace length 41cm, extendable by 8cm

Autograph Pure Cotton Funnel Neck Moleskin Jacket, at Marks and Spencers
Contemporary styling and superior finishing makes this Autograph jacket a fashionable choice for this season

Artificial Orchid Spray in Ceramic Bowl, at Marks and Spencer
Artificial orchid Ceramic bowl Ready made arrangement that needs no after care H53cm, Manufacturer: Marks & Spencer

Monaco Collection - Droplets Floor Lamp, at Marks & Spencers
Chrome plated steel Facetted glass droplets Organza ribbon shade D35 x H149cm, Manufacturer: Marks & Spencer

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks & Spencer Standard Car Insurance. With Marks & Spencers Money you can keep the cost of your Car 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 Car Insurance cover from Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Financial Services, you get more, and you pay less.