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

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

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

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

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

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from Marks & Spencer Money, you get more, and you pay less.

Cotton Rich Stripe Low Rise Shorts, at Marks & Spencer
Low rise shorts are perfect for wearing with hipster styles and these cute stripe design shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Recycled Stormwear™ & Stain Defence™ Junior Blazer, at Marks & Spencers
Smart and innovative, this blazer is treated with Stormwear™ and Stain Defence™ to repel water and stains. It's made from polyester from 100% recycled sources. It features a contrast coloured lining and has an inside zipped pocket to keep lunch money safe

Floral Fine Art Multipack of Mini Cards, at Marks & Spenser
Pack contains: 8 cards, 4 designs Cover text: All cards are blank Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 95 x 80mm

Cowhide Rug, at Marks and Spencers
Cow hide design 3-4 square metres, Manufacturer: Marks & Spencer

2 Pure Cotton Thomas & Friends© Mock Layer T-Shirts, at Mark's & Spencer
Fans of Thomas & Friends will love these mock layered t-shirts featuring Thomas. A practical, easycare style

Petite 3/4 Sleeve Stripe Shirt, at Mark & Spencers
Chic and modern, this 3/4 sleeve shirt is made from a comfortable cotton blend and features a stripe design. Specially designed and perfectly proportioned for the petite frame

Autograph Sport Eau de Toilette, at Marks and Spencer
Sporty fragrance 30ml This product is not available for international delivery. Find out more

2" Longer Autograph Pure Cotton Textured Stripe Shirt, at MarksandSpencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Autograph Stainless Steel Wine Cooler, at Marks and Spencer
Cylindrical shape Diameter: 12cm Height: 20cm, Manufacturer: Marks & Spencer

Modal Rich Vintage Lace Bow Shorts, at Marks & Spensers
These shorts are made with supersoft modal. They feel incredibly comfortable and silky smooth against the skin

Enclos Des Pins Chardonnay 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Plain Tie, at Marks & Spenser
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

Royal Jelly & Pure Honey Moisture Rich Cream Bath, at Marks and Spencers
Moisture rich Natural skin nutrition Vitamin enriched 400ml

Pure Cotton Holiday Rope Handle Shopping Bag, at Marks and Spencer
Fashionable and practical, this rope handle shopping bag is a useful accessory with bags of style

Blue Harbour Pure Cotton Leaf Print Shirt, at Marks & Spencers
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Top Secret: For Your Ears Only CD, at Mark's & Spencer
Audio CD, Marks & Spencer

Older Girls' Polka Dot Sunglasses, at Marks and Spencers
Fashionable and fab, these polka dot sunglasses give 100% UV protection for safer style in the sun

Autograph Blush Bath Cream, at Marks & Spencer
Bath cream 200ml

Mechanical Bathroom Scales, at Marks and Spencer
Mechanical Non-slip design H5.5 x W30.1 x D29.4cm Max weight: 19st, Manufacturer: Marks & Spencer

Underwired Embroidered Trim Bra, at Mark's & Spencer
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Luxury Orchid, at M&S
Orchids are traditionally known as symbols of beauty and this deluxe version certainly lives up to its reputation. This beautiful twin stemmed multiflora orchid is planted in a contemporary glass vase with a pretty satin-finished ribbonAvailable for delivery between 1st April to 30th September 2009

Cotton Rich Stripe Scarf, at Marks & Spencer
Keep out the cold in style with this warm, soft scarf

Pink Trace Floral Birthday Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Blank for your own message Approx size: 150 x 150mm

Nan Ribbon Basket Card, at Marks & Spensers
A beautiful and hand-finished design complete with woven ribbon, wire heart and sequinned flowers Cover reads: Nan x Inside message reads: Especially for you on your birthday Approx size: 125mm x 175mm

Handmade Letters Husband Birthday Card, at Marks and Spencer
Cover text: To my fabulous husband Inside text: Happy birthday Approx size: Unfolded: 230 x 114mm

Samsung SMX-C10GP Memory Card Camcorder, at Mark's & Spencer
Shoot in complete comfort: The unique 25 degree active angle lens promotes a healthy hand position that eliminates wrist pain and fatigue, enabling you to shoot in complete comfort for extended periods of time Easy file selection: The animated thumbnails make file selection as simple as can be. As soon as you select a thumbnail, the image starts playing, allowing you to see what is in the file without having to enter full playback mode Choose the colour that suits you: With refreshing red, blue and gray colour variations, the SAMSUNG C10 give you the freedom to choose a camcorder that really suits you Easy to edit, easy to enjoy: The Merge and Split features of the SAMSUNG C10s edit function allows you to combine and divide files on the camcorder, enabling you to edit without transferring files to a PC Freedom to use any PC: The SAMSUNG C10s embedded Intelli-Studio software allows you to use any PC to view, edit, and share the memories you make. Simply connect it to any PC via USB and enjoy freedom and flexibility Record longer, enjoy forever: Recording in H.264 codec enables the SAMSUNG C10 to capture up to 6 hrs. and 20 min. of high quality video footage on a 16GB SD card, allowing you to enjoy stress-free shooting and more space to play with Easy, one touch sharing: Sharing your memories couldnt be easier. Simply connect the camcorder to any PC, select the files you want to share, press the external one touch upload button, and put your world on the web for the rest of the world to see Feel free to take your time: The SAMSUNG C10s phenomenal 160 minute battery life is enabled by the efficient power use of the 8th Generation DSP Chip and H.264 codec recording, giving you the freedom to make memories at your leisure USB data transfer and recharge: With embedded software and USB charging, the SAMSUNG C10 offer maximum mobility. USB connection enables data transfer and battery charging to take place from any PC, anywhere in the world Play with time: By capturing frames at intervals and then putting them in sequential order, the time-lapse recording function allows you to record the beauty of an entire sunset in minutes or seconds Optical zoom: 10x Pixels: 230k Still image resolution: 800 x 600 Screen size: 2.7" widescreen colour LCD Weight: 156g (without battery), 162g (with battery) Dimensions: 38.5 x 56.5x 114 mm 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

M&S Classic Stone Grill & Raclette Set, at Mark & Spensers
Removable oval stone grill plate Stone grill with non-stick coating Creates healthy low-fat food Includes 8 pans and wooden spatulas 1100 watt Dimensions: H12 x W50 x D31cm 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

Formula Instant Fix Lip Plump, at Marks & Spencer
Hypoallergenic 10ml

Autograph Modern Napkin Ring, at Mark & Spensers
Chrome effect L11cm, Manufacturer: Marks & Spencer

Kitchens Family Organiser Calendar, at Marks and Spenser
Comes with a pen and memo pad Dimensions: 330 x 430mm

When you're shopping at Marks & Spensers 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 & Spencer Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

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