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 Money Direct financial products are, of course, designed to make Marks & Spensers 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, House Insurance policies. Usually, UK House 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 Direct House 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 Direct House Insurance than you will anywhere else, and you may even pay less with M&S.

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

When you're shopping at Marks&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 Money Direct. Offering everything from savings accounts and credit cards, to House Insurance and Car Insurance, there's a lot more going on at Marks and Spenser than you might imagine.

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

My Recipe Keeper, at Marks & Spensers
Organise your culinary life.. If you're a hoarder of recipies snipped from magazines or donated by friends after successful dinner parties, then you need My Recipe keeper. This indispenable book provides all the informatio you need to take a creative approach to cooking with confidence. This practical guide features, a glossary of cooking methods, a list of useful kitchen equipment, and instructions for basdic recipes that you'll use time and again. Conversion charts for measurement and oven temperatures, and a list of substitue ingredients for when you're missing something vital. A selection of delicious recipes for every occasion. Journal pages for writing in your own favourite recipes and making notes, and useful pockets for storing cuttings of recipes that you'd like to try.

Linen Blend Buckle Detail Dress, at Marks and Spencers
Chic and stylish, this linen blend dress makes a great choice for work or smart occasions. It's machine washable for added convenience

Autograph New York Body Spray, at Marks and Spencer
100ml This product is not available for international delivery. Find out more

Modern Glass Wall Clock, at Marks & Spencer
Glass design Metallic hands Circle shape Diam: 30cm, Manufacturer: Marks & Spencer

Quebec Recliner, at Mark & Spencers
H101 x W85 x D93cm Reclines to L158cm Seat H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushion made from fixed foam Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Manual recline mechanism for extra relaxation All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Nectarine & Orange Pot Pourri Bag, at Marks & Spensers
Fruit scented assortment, Manufacturer: Marks & Spencer

Côtes du Rhône 2007 - Case of 12, at M&S
Style: Light bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Girls' Limited Star Print Vest Top with Shrug & Leggings, at Mark & Spensers
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

Sensuale Eau De Toilette, at Marks and Spencer
Floral fragrance 25ml This product is not available for international delivery. Find out more

Centre Stripe Belt, at Marks & Spencer
This centre stripe design belt is ideal for wearing with casual styles

Machine Washable Multi Stripe Tie, at Marks and Spencers
No more trips to the drycleaners! This smart striped tie is machine washable

Sheer Blush Eau De Toilette 90ml, at Marks & Spencers
90ml Eau De Toilette Sheer blush fragrance

M&S 10m Phone Extension Cable, at Marks & Spencers
10 mtrs Standard telephone fittings This product is not available for international delivery. Find out more 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

Christening Type Card, at Marks and Spencers
Cover text: Christening Inside message: Wishing you a wonderful day Approx size: 150 x 150mm

2 Machine Washable Zeus Ties, at Marks & 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

Strawberries & Extra Thick Channel Island Double Cream, at Marks and Spencer
Serves 8 Ready to eat Suitable for nut allergy sufferers Cream: 227ml Strawberries: 1kg As featured on page 53 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

Classic Duckling Mug & Plush Toy, at Marks and Spencer
Contains: 1 mug, 1 soft toy Mug diameter: 75 mm

Pure Cotton Long Sleeve Crochet Cardigan, at Marks & Spencer
Knitted in pure cotton, this pretty crochet cardigan will keep her warm and comfy. It looks cuddly too!

Fresh Rose Infusion Sticks, at Marks and Spencer
Glass container Long lasting infusion sticks Fresh rose scented, Manufacturer: Marks & Spencer

Firm Control No VPL Multiway Body, at Marks & Spenser
Look slimmer in seconds! This firm control body gently shapes your figure all over for a smoother, sleeker silhouette with no VPL. The versatile multiway style can be worn strapless, halterneck, cross back or one-shoulder

Pure Cotton Turn-Up Sleeve Drawstring Coat, at Marks & Spencer
Modern and stylish, this turn-up sleeve coat is beautifully designed for a flattering, sophisticated look

Buttoned Mini Jersey Skirt, at Marks and Spencers
Cute and flirty, this mini skirt is designed to fit and flatter. A smart modern choice

Love Catseye Duo Earrings, at Marks and Spencer
2 pairs Butterfly fastening studs Heart drop earrings with hook fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Silver-Plated Photo Frame with Double Mount 13 x 18cm (5 x 7''), at Marks & Spencer
Rectangular shape Double mount Removeable mount card Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Fuzzy Teddy Thank You Multipack of 8 Cards, at Marks and Spencer
Cover text: Thank You Inside message: Blank for your own message Approx. size: 120mm x 120mm

Russell Watson - People Get Ready CD, at Marks and Spencers
Audio CD, Marks & Spencer

Autograph Styled Embroidered Shorts, at Mark & Spencers
Elegant and feminine these flattering shorts feature a delicate embroidered design. The modern low leg hipster styling gives a shapely fit. Beautiful exclusive lingerie

Antares Luggage Small Rollercase, at Mark & Spensers
Free 5 year guarantee Ideal for longhaul travel, this small rollercase features: solid ABS shell with high impact protection, internal pockets, fully lined interior, 4 wheels and durable retractable carry handles. See Product Details below for full list of features

Cool Soft Cotton 3.0 Tog Duvet, at MarksandSpencer
3.0 tog Naturally breathable, keeping your body refreshed Pure cotton cover and filling Available in Single, Double, King size and Super King size, Manufacturer: Marks & Spencer

Autograph Occasions Feather & Floral Headpiece, at Marks and Spencer
Keep tumbling tresses off your face with this stylish flower and feather headpiece

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Mark's & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money Direct website:

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

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