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 Mark & Spensers are so useful. M&S Financial Services financial products are, of course, designed to make Mark's & Spencer 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 Financial Services 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 Financial Services House Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spencer 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 Financial Services website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or House Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services 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 Marks & Spencers insurance products in document format too.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the MarksandSpencer 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 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 & Spencer, 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.

Woodspice Shower Gel, at Marks & Spensers
Shower gel 250ml

Pure Cotton Embroidered All In One with Hat, at Mark & Spensers
A great choice for active babies, this soft cotton romper suit is comfortable and practical. A striped hat adds a cute finishing touch

Sterling Silver Filigree Heart Drop Earrings, at M&S
Hook fastening Drop style Filigree heart design

Pure Cotton Long Sleeve Vertical Stripe Shirt, at Marks and Spencer
This fab long sleeve shirt features a stunning vertical stripe design. A sophisticated new look, perfect for this season

Autograph Mineral Powder Eyeshadow, at Marks and Spencers
Hypoallergenic Fragrance and preservative free

Text Squares Dad Birthday Card, at Marks & Spencer
Cover text: Happy birthday dad Inside message: With love on your special day Approx size: 230 x 114mm

Sprung-Edge Non-Storage Divan & M400 Mattress, at Marks and Spenser
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 24cm Divan Height: 41cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Mattress Spring Count: 1054 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK 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 Cargo Trousers with Belt, at M&S
Relaxed and comfortable, these pure cotton cargos feature a motif detail. A practical easycare style

Metal Bud Gem Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencers
Metal bud design Aperture 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Stainless Steel Milk Pan, at M+S
0.9 litre capacity Dishwasher safe Stainless steel riveted handles Non-stick, Manufacturer: Marks & Spencer

Perfect Autograph Long Sleeve Bold Stripe Shirt, at Marks & Spencer
Earn your fashion stripes this season with this bold shirt, which is right on trend for both pattern and colour

Nokia 6300 - Vodafone Pay as you talk Mobile Phone, at Marks and Spencer
Maximum of 2 phones per customer may be purchased Talk Time: Up to 3.5 hours Stand-by Time: Up to 14 days Screen: 320 x 240 pixel TFT QVGA screen, up to 16.7 Million True colors, 2 inch Ringtones: Video ringing tones , MP3 ringing tones, True tones, and MIDI tones for up to 64 polyphonic tones Dimensions: H10.6 x W4.3 x D1.3cm. Weight: 91g Camera: 2 megapixel, 8x digital zoom and full screen viewfinder Radio: FM stereo radio with Visual Radio Music player: Music player supporting MP3, MP4, AAC, AAC+, eAAC+, H.263, H.264 Internet: XHTML browser, access your email on the go and send attachments Vodafone Pay as you talk: Your mobile service provider will be Vodafone. A Vodafone SIM card is included with this handset. Click here to view Vodafone's Pay as you talk tariffs. Games and applications: Java™ MIDP 2.0 games and applications Memory: Up to 7.8 MB internal user memory. MicroSD card slot (up to 2GB) for storing pictures and music Messaging: SMS and MMS Battery: BL-4CBattery(860 mAh) Voice Features: Voice recorder, voice volume control, voice commands, voice messaging, integrated handsfree speaker Connectivity: Mini USB, Bluetooth, AV 2.5mm Video: Video recorder and player Includes in the box: Nokia 6300 handset and Nokia stereo headset HS-47 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

Oval Face Bracelet Watch, at Marks & Spencers
Oval face Analogue

Girls' Fashion Schoolwear - 2 Pure Cotton Short Puff Sleeve Blouses, at M&S
This 2-pack of short puff sleeve blouses makes a practical and fashionable choice for school. Hardwearing and easycare

Metal Bud Gem Photo Frame 10 x 15cm (4 x 6"), at Marks & Spencers
Metal bud design Aperture 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Trailing Flower Gift Card, at Mark's & Spencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online 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

The Dark Knight DVD, at Marks and Spencer
Release Date: 2008-12-08, Rating Suitable for 15 years and over,

Cotton Rich Double Button Wide Leg Jeans, at Marks and Spencer
Fluid and feminine, these wide leg jeans sit comfortably on the waist and are cut to fit and flatter, giving an elegant silhouette. Added stretch gives the perfect fit

Autograph Pure Cotton Polo Shirt, at M+S
Casual and contemporary, this short sleeve polo shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Medium Giraffe Soft Toy, at Marks and Spenser
Suitable for ages 0-3yrs H28cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Chunky Face Analogue Watch, at Marks&Spencer
Chunky face Analogue Round face Date indicator Leather strap

Autograph Essentials Deep Waistband Bootleg Trousers, at M&S
Greater choice of leg lengths now available Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Wooden Rounders Set, at M&S
Contains: Bat, 4 posts, ball and instructions Bat: 440mm Posts: 440mm

Low Rise Shorts, at M&S
These exceptionally soft comfortable shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and low rise style give a sleek, shapely look. Designed for women who want a streamlined silhouette

Oval Droplet Chandelier, at Marks and Spencers
Cylinder Droplet design Steel rim H80 x W82 x D28cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Weekend Cotton Rich Wide Leg Jeans, at Marks & Spencers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Pro Flip Flops, at Mark's & Spencer
Casual and relaxed, these flip flops make a comfortable and stylish choice. Perfect for warmer days at home or on holiday

Rococo Style Photo Frame 10.2 x 15.2cm (4 x 6''), at Marks and Spencers
Rococo style design Aperture: 10.2 x 15.2cm (4 x 6''), Manufacturer: Marks & Spencer

Double Layer Check Shirt & Short Sleeve T-Shirt Set, at M&S
This fashionable layered look is a 2 piece set - a short sleeve t-shirt and a full sleeve shirt in soft comfortable fabric. Stylish, practical and easycare

16-Piece Angle Cutlery Set, at Mark & Spensers
16-piece set Includes 4 knives, 4 forks, 4 spoons and 4 teaspoons 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

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