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 and 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but Marks and 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 Money 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 Home 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 (Home 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 and Spencer insurance products in document format too.

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 & Spenser 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 Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

2 Pure Cotton Camouflage Shorts, at Marks and Spencer
Fashionably smart-casual, these pure cotton knee length shorts feature military designs. A practical, easycare style

Formula Age Defence Gentle Exfoliating Face Wash, at Marks & Spenser
150ml Suitable for all skin types Hypoallergenic

125 Years A5 Diary, at Marks and Spencer
Approx size: 153 x 212mm

Large Glass Collectioon Lantern, at Marks and Spencer
Hanging feature Reusable Circular glass holder Ideal for outdoor use 1.5kgs H35 x Diam 18.5cm, Manufacturer: Marks & Spencer

5 Floral Embroidered Midi Knickers, at Marks & Spenser
These floral embroidered cotton rich midis are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Collezione Round Face Chain Link Watch, at Marks and Spencer
Round face Analogue Chain link strap

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

5 Cotton Rich Assorted Midi Knickers, at MarksandSpencer
These high rise cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

M&S Pizza Maker, at Marks and Spencer
Cooks up to 12" frozen, pre-baked or fresh pizza's 1000-1200W Rotating stone base to ensure even cooking Display window to check pizza while cooking Plastic handle to open while pizza maker is hot and in use 4 heat settings Top grilling element to melt / brown toppings Anti-slip base 2 year guarantee, Manufacturer: Marks & Spencer

Tobiano Pinot Noir 2007 - Case of 6, at Marks & Spencer
Style: Medium bodied Grape variety: Pinot Noir Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Sony Portable 2GB WALKMAN® MP3 Player, at Marks and Spencer
Lightweight and comfortable WALKMAN mp3 player fits securely on your head, for total wire free listening when youre on the move 2GB storage holds up to 500 tracks (128kbps mp3) ZAPPIN™ technology for quick song searches: Listen to the first few seconds of the chorus to find your favourite tracks 13.5mm EX Series headphones for clear and powerful sound, extreme comfort and high quality audio performance Listen for longer with an incredible battery life of up to 12 hours as well as 90 minutes playback time from a 3 minute quick charge Supports most popular audio file formats, including mp3, AAC and WMA (DRM) Easily drag and drop tunes directly from your computer Comes with carrying case and charging desk stand

Autograph Leather Twisted Handle Tote Bag, at M&S
Luxurious and beautiful, this twisted handle tote bag is part of our exclusive Autograph collection. It's made from soft leather, and is useful and practical as well as being a highly desirable fashion accessory

Single Sprung-Edge Divan with 2 Small + 2 Large Drawers & F300 Memory Foam Mattress, at M+S
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm 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 Divan Height: 41cm Mattress depth: 25cm Large Drawer: H14 x W78 x D52cm Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table 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 Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Princess Time Teacher Watch, at Marks & Spencers
Buckle fastening Round face Princess design Time teaching feature Analogue Disney

Diamanté Flowers Large Gift Bag, at Mark's & Spencer
1 gift bag Approx size: H350 x W350 x D100mm Flower print design

Classic Collection Twig Embroidered Wedge Mule Slippers, at Marks & Spensers
Mule style Wedge heel Round toe Twig embroidered detail

Sterling Silver Loop Bangle Bracelet, at Marks & Spencers
Loop fastening Plain Sterling silver This product is not available for international delivery. Find out more

3 Pairs of Newborn Cotton Rich Assorted Socks, at Marks & Spenser
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton rich fabric

Crystal Cut Mantlepiece Clock, at Marks & Spencers
Clear body Cut crystal detail Round face Roman numerals, Manufacturer: Marks & Spencer

Leather Lace-Up Boat Shoes, at Marks and Spencers
Lace-up Round toe Contrast stitching Low heel

Per Una Chiffon Floral Crinkled Dress, at Marks and Spencer
A colourful crinkled dress featuring front button detail, finished with a scallop trim

Wavy Embellished Skirt, at Marks & Spensers
Long and lovely, this panelled skirt features embellishment detail. Stylish, practical and fashionable

Autograph Pure Silk Multi Stripe Tie, at Marks and Spenser
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Mamma Mia! Blu-ray DVD, at Marks & Spencer
Rating Parental Guidance,

Signature Green Fig Room Spray, at Marks and Spencers
15ml Green fig fragrance Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sony 16GB WALKMAN® MP3 Player, at Marks & Spencer
Digital Noise Cancelling delivers amazing audio fidelity while blocking out external ambient noise (total suppression ratio of 17dB / 98%) Select Noise Cancelling manual settings for bus, plane, train or office to match your environment; or Quiet Mode for any usage S-Master Digital Amplifier for crystal clear sound with no distortion or analogue signal errors - putting you centre-stage in the studio or concert hall Clear Audio Technologies reproduce sound that's as true to the original source as it can be, for a mind-blowing listening experience Clear Stereo and Clear Bass deliver a perfectly precise and clear sound, cutting out audio distortion whatever the volume DSEE restores sound quality lost during file compression, recreating high frequencies as close to the original recording as possible 13.5mm EX earbud headphones for balanced rich sound quality, with unique closed and air-tight fit giving you deeper bass Open format support for all major file types includes MP3 / MP4 / WMA / AAC / Linear PCM / AVC / WMV / JPEG 3" full colour OLED touchscreen display for razor-sharp, ultra-bright video playback in incredible detail and clarity (WQVGA 432x240 pixels / 262,144 colours) 16GB storage holds up to 4,000 tracks (128kbps mp3) or over 60 hours video playback (at 384kbps) OLED (Organic Light Emitting Diode) technology for 100% colour reproduction, 10000:1 contrast ratio and wider viewing angles (up to 180 degrees) OLED technology for super-quick response times (0.1ms) - giving you breathtaking results on screen, even with fast-moving action scenes like sports Continuous playback for 33 hours of music and 9 hours of video Hi-speed USB port, and easy charge (3 hours full charge) Music searching by album, artist, genre, release year, playlists and folder Video playback includes scene scroll, to stop and start content using intelligent touchscreen technology Put your own soundtrack to photo playback, and create your own wallpaper using stored images Import, preview and transfer music, photos and videos straight from your computer to your WALKMAN player with Content Transfer software Quick start guide, USB cable, audio input cable and plug adaptor for in-flight use supplied Dual hybrid touchscreen and button operation, for easy control on the move Pre-installed and customisable wallpaper graphics Surf the web with built-in Wi-Fi: On-board connectivity lets you stream YouTube™ clips and podcasts

Pure Cotton 3/4 Sleeve Geo Print Top, at MarksandSpencer
This 3/4 sleeve top will make a useful addition to your wardrobe. It features pretty geo print for a stylish casual look

Blue Harbour Pure Cotton Chino Shorts, at Marks and Spencer
Think smart on those warmer days and nights with the design of these great value shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Petite Pure Silk Animal Print Shift Dress, at Marks & Spenser
Fashionable and modern, this luxurious silk dress makes a stunning style statement. Specially designed and perfectly proportioned for the petite frame

Autograph Merano Corner Unit, at Marks & Spencer
H84 x W102 x D102cm Seat H47cm, top back rail H63cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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 Glide feet with a dark finish Can be arranged to fit both left and right room corners All of our fabrics are treated with Stain-Defence™ - 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

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spensers Standard Car Insurance. With M&S Finance 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 M&S Finance, which also has other features.

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