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 & Spencer are so useful. M&S Finance 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, 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks and Spencer, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Household 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 M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Mixed Bead Short Row Necklace, at Marks n Spencer
Dual-strand feature Clasp fastening Adjustable length Mixed bead design Necklace lengths: 40cm, extendable by 8cm

ARCHOS 7 Internet Media Tablet 160GB, at Marks & Spenser
Internet: Full web browsing, full email application, web TV, web radio, widgets application Plays: Videos, music, photos, games and stream content from your PC TV: Record from TV (with optional dock), play content and surf the web on your TV through the ARCHOS 5 Display: 7" TFT LCD high resolution screen, 800x480 pixels, 16 million colors Touch Screen: Direct by touch screen, ON/OFF, vol+ and vol- buttons Video playback: MPEG-4 (ASP@L5 AVI, up to DVD resolution), WMV (MP@ML, up to DVD resolution) including WMV protected files and M-JPEG (Motion JPEG Video) in QVGA resolution Video recording: Via the optional DVR Station/ DVR Snap-on: Records NTSC/PAL/SECAM in MPEG-4 AVI format with ADPCM stereo sound, VGA resolution (640 x 480) @ 30 or 25 f/s Audio playback: Stereo MP3 decoding @ 30-320 Kbits/s CBR & VBR, WMA, Protected WMA, WMA pro 5.1, WAV (PCM/ADPCM), AC3 stereo audio and 5.1 sound files (via SPDIF output of DVR Station) and Flac and OGG Vorbis audio files Audio recording: Via the optional DVR Station or DVR Snap-on: Stereo line-in, WAV (IMA ADPCM or PCM) format and Voice recording via the optional FM remote and its built-in microphone in WAV format (IMA ADPCM) Photo viewer: JPEG, BMP, PNG, GIF Memory: 160 GB (stores up to 200 Movies, 1.6 million photos or 95,000 songs) PC accessories: Possible attachment of numerous standard USB PC accessories (keyboard, mouse, memory key, memory cards reader, camera) Connectivity: On board WiFi (802.11 b/g), USB 2.0 host with optional accessories Interfaces: USB 2.0 High-Speed Device (compatible USB 1.1 at a lower speed): Mass Storage Class (MSC) and Media Transport Protocol (MTP) and USB 2.0 Host: Mass Storage Class (MSC) and Picture Transfer Protocol (PTP) with optional Mini Dock, Battery Dock and DVR station Connections: WiFi, free web browser, 3.5 mm mini jack for headphones and audio output, DC-in for power adapter and Docking connectors to connect DVR Station and other ARCHOS accessories Battery life: Music playback 39 hours, Video playback 10 hours Dimensions: Approx: 19 x 11 x 1.6cm Weight: 640g Package includes: ARCHOS 7, headphones, ARCHOS USB cable, DVR Station adapter, power adapter/charger, screen cleaning cloth, Quick Start Guide (QSG), legal and safety notice 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

2 Classic Cellular Briefs, at Marks & Spensers
Easy to care for cotton and a classic cut ensures these comfy briefs are a staple part of any underwear drawer

Woven Silk Battersea Stripe Pattern Tie with Stain Defence™, at Marks & Spencer
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Dr Dog Book, at Marks n Spencer
Feeling dizzy? Feeling sick? You need the expert attention of Dr Dog! Both pet and personal physician to the Gumboyle family, Dr Dog is always on hand with the perfect diagnosis and remedy for every complaint. So, whether it's tickly tonsils, itchy nits or unspeakable tummy troubles, hear some common sense advice from Dr Dog - the canine consultant that no home should be without

Sleeveless Ribbed Dress, at Marks & Spensers
Sleek and chic, this sleeveless dress is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Pure Merino Wool V-Neck Jumper, at MarksandSpencer
Elegant and feminine, this long sleeve v-neck jumper is made from fine merino wool for luxurious warmth and softness.

Edwardian Lady Peach Jug Mum Birthday Card, at Mark & Spensers
Cover Text: With love on your Birthday Mum Inside Message: Have a wonderful day Approx size: 150 x 150mm The Country Diary of an Edwardian Lady Rowen Stott (Designs) Ltd and RW.UK. Ltd 2008

Machine Washable Twin Pleat Trousers with Wool, at Marks & Spensers
These trousers are a wardrobe staple. They are tailored from a wool blend fabric with elastane lycra for durability, good crease recovery and comfort in wear. What's more, you can machine wash and tumble-dry them - the ultimate convenience

Classic Collection Floral Embroidered Nightdress, at Marks & Spencer
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty embroidery

Large Value Soft Leaf Print Rollercase, at Marks and Spenser
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

Glass Ball Candle Holder, at Marks and Spencer
Ball design Thick base Diam 10.6 x H13cm, Manufacturer: Marks & Spencer

Pure Cotton Checked Crop Pyjama Bottoms, at M&S
Pretty and feminine, these cropped pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Plain Sleeveless Camisole, at Mark & Spensers
This strappy longer length camisole will make a useful addition to your wardrobe. It features spaghetti straps for an essential casual look

TomTom GO 540 Live Satellite Navigation System with LIVE Services, at Marks and Spencer
Access TomTom LIVE services A real-time connection to the latest traffic information straight to your device. Automatic updates also provide real-time safety camera alerts, fuel prices, weather, and Google search for local shops and businesses. Updates are sent directly to the SIM card of your TomTom device - no need to activate anything or connect a mobile phone Maps: Full door to door maps of the UK & ROI are pre-loaded Display: 4.3" widescreen 16:9 format LCD (WQVGA: 480 x 272 pixels) LIVE Services: Your navigation experience got even smarter! You are connected to real-time information with premium services like HD Traffic, Safety Alerts, Local Search with Google and Fuel Prices so you always have access to useful and relevant information en route IQ Routes™ technology: Calculates your routes based on the real average speeds measured on roads. This will always provide you with the smartest route hour-by-hour, day-by-day, saving you time, money and fuel Voice command and control The latest in speech recognition technology lets you control your TomTom GO using voice commands. From planning a route to making a call, over 100 tasks are easily activated by voice, making your drive smoother and safe TomTom Map Share™ technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Latest map guarantee: Your device houses our best maps and our latest map guarantee makes you right up to date. If we release a new version of your device's map within 30 days of your purchase, you can download that map for free via TomTom HOME Active Dock: Gives you easy docking and charging to optimise your TomTom GO for daily use Plug & Go: No installation needed, works straight out of the box Battery: High quality lithium-polymer battery giving upto 3 hours autonomous battery life Sound: Echo cancellation and noise reduction give you excellent sound quality when calling hands-free. The high quality speaker Get voice instructions and enjoy songs and hands-free phone calls with remarkable sound quality at the volume that you want Extra Features: QuickGPSfix™, TomTom HOME desktop software, Bluetooth remote control (optional), 1GB internal flash memory and a microSD card socket compatible with microSD cards Dimensions: W127 x H85 x D23mm Weight: 224g 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 Please note: TomTom LIVE Services is a subscription service. A free 3 month trial is included TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Caesar Salad, at Marks and Spencer
Serves 8 Ready to eat 800g As featured on page 26 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Natural Beauty Bath & Body Oil, at Marks and Spenser
Naturally fragranced 100ml

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

Pure Cotton Short Sleeve Check Shirt, at M&S
This short sleeve shirt will make a useful addition to your wardrobe. It features a smart check print for a stylish casual look

Per Una Short Sleeve Top with Spot Scarf, at Marks and Spenser
A modern short sleeve top featuring a trim neckline. Comes with scarf shown in the photograph

Zip Folio Case, at Marks&Spencer
When you're on the move, make sure to keep your important documents in order with this smart looking folio

Petite Single Breasted 3 Button Jacket, at Marks and Spencers
Fashionable and modern, this tailored single breasted jacket features 3/4 length sleeves. A smart and stylish choice. Specially designed and perfectly proportioned for the petite frame

Ultimate Non-Iron Short Sleeve Stripe Shirt, at Marks & Spencers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Mixed Bead Short Row Necklace, at Marks & Spensers
Dual-strand feature Clasp fastening Adjustable length Mixed bead design Necklace lengths: 40cm, extendable by 8cm

Click Blu-ray DVD, at Marks & Spensers
Rating Suitable for 12 years and over,

Ingredients Bath Essence Mini Collection, at Marks and Spencers
Pomegranate Bath Essence 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride Laureth-4, Polysorbate 20, Limonene, Parfum, Benzophenone-3, Disodium EDTA, Alcohol Denat, Glycerin, Triethylene Glycol, Benzyl Alcohol, Linalool, Propylene Glycol Punica, Granatum (Pomegranate Extract), PEG-40 Hydrogenated Castor Oil, Trideceth-9, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Sodium Benzoate, Tocopherol, Lactic Acid, Potassium Sorbate, Methylisothiazolinone, CI 15985, CI 17200, CI 42090 Lemon Bath Cream 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, Sodium Chloride, PEG-18 Glyceryl Oleate/Cocoate, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Parfum, Limonene, Citral, Linalool, Polyquaternium-39, Triethylene Glycol, Benzyl Alcohol, Alcohol Denat, Citronellol, Propylene Glycol, Geraniol, Benzyl Benzoate, Hexyl Cinnamal, Citrus Medica Limonum Oil (Lemon Oil), Sodium Lauryl Sulfate, Citric Acid, Magnesium Nitrate Methylchloroisothiazolinone, Methylparaben, Magnesium Chloride, Methylisothiazolinone, Propylparaben, CI 19140, CI 15985 Shea Bath Cream 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Polysorbate 20, Sodium Chloride, PEG-18 Glyceryl Oleate/Cocoate, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Sodium Sheabutteramphoacetate, Polyquaternium-39, Triethylene Glycol, Benzyl Alcohol, Propylene Glycol, Glycerin, Alcohol Denat, Sodium Lauryl Sulfate, Citric Acid, Magnesium Nitrate, Methylchloroisothiazolinone, Methylparaben, Magnesium Chloride, Caramel, Methylisothiazolinone, Propylparaben, CI 19140, CI 15985 Cocoa Bean Bath Essence 60ml Ingredients: : Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Parfum, Laureth-4, Polysorbate 20, Theobroma Cacao Extract, Benzophenone-3, Citric Acid, Disodium EDTA, Hexyl Cinnamal, Citrus Aurantium Dulcis Oil, Limonene, Triethylene Glycol, Benzyl Alcohol, Caramel, Propylene Glycol, Coumarin, Alcohol Denat, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, CI 15985 Lime Bath Cream 60ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Polysorbate 20, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Limonene, Linalool, Citrus Aurantium Dulcis Oil, Triethylene Glycol, Benzyl Alcohol, Citrus Aurantium Bergamia Oil (Bergamot Oil), Propylene Glycol, Alcohol Denat, Citrus Aurantifolia Oil (Lime Oil), Sodium Lauryl Sulfate, Litsea Cubeba Berry Oil, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, CI 19140, CI 42090

Pure Cotton Long Sleeve Stripe Hooded Top, at Marks & Spenser
Cute and fun, the stripe design makes this practical hooded top extra special. It's made from soft pure cotton and feels comfy to wear.

125 Years Luxury Wool Rich Flat Front Trousers, at Marks and Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Maxim 12 Piece Dinner Set, at Marks and Spencer
12 piece set Includes 4 dinner plates, 4 side plates and 4 cereal bowls Versatile fine dining range Pure white porcelain Suitable for everyday use, Manufacturer: Marks & Spencer

M&S Summer Flat Weave Trilby Hat, at Marks & Spencers
Keep a cool head this summer with this straw trilby. It adds a smart touch to formalwear and looks contemporary with casual outfit

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Household 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 Finance 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 Finance loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (Household 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 & Spencer insurance products in document format too.