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 & Spencers are so useful. M+S Money financial products are, of course, designed to make Marks & 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, 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 Money 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 Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

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

M+S Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Home Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Home Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

2 Pure Cotton Assorted Tops, at Marks and Spencer
Cute and practical, this pack of 2 tops is outstanding value. The soft cotton fabric will keep him feeling comfy

Blue Harbour Pure Cotton Stripe Jumper, at M&S
Relaxed and casual, this crew neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Handcrafted Photographic Kitten Mother's Day Card, at M+S
Cover text: To a very special mum ...with love on mother's day Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Pure Cotton Belted Straight Leg Jeans, at Marks and Spencer
These straight leg jeans in pure cotton are great value. A practical, easycare style

Rose Print Mug, at Marks and Spenser
Rose design Slim handle, Manufacturer: Marks & Spencer

3 Cool & Fresh Pure Cotton Assorted Hipsters, at MarksandSpencer
Made from soft breathable cotton, these comfy hipsters are ideal for everyday wear

2" Longer Sleeve Satin Stripe Shirt, at Marks and Spencers
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

Secret Support™ Check Moccasin Slippers, at Mark & Spencers
Round toe Check design Flat sole Comes in sizes 3-8

Delicious Everyday Drinking - Case of 12, at Marks and Spencer
2 Sicilia Bianco 2008: Clean, fresh limey aromas with lively fruit on the palate. A really refreshing, fruit dry wine... 2 Face Face Colombard Sauvignon 2008: This is a tangy, rounded and lively style of wine, a delectably modern take on the traditional styles of white from south-west France... 2 Casablanca Sauvignon Blanc 2008: A lively, zesty dry white with an inviting, fresh, slightly grassy aroma and mouthwatering flavours of gooseberry, pear and melon... 2 Rosso di Puglia 2008: Ripe but soft Italian red wine, deeply coloured with rich blackberry and cherry notes and hint of toasted nuts... 2 La Croix d'Austran Bordeaux 2008: This is claret at a fantastic price but with that classic scented, earthy and tobacco-leaf character that is so typical of Bordeaux reds... 2 Casablanca Pinot Noir 2008: An exceptionally fruity, soft and moreish red wine that is aromatic with juicy flavours of cherry and mulberry... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Maternity Open Front Jersey Cardigan, at Marks and Spencer
Smart and stylish, this jersey cardigan is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. A fashionable, functional choice

Lady Shaver with Pink Carry Case, at Mark's & Spencer
Pink drawstring carry case Miniature razor cleaning comb 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

Pop Art Collar Necklace, at Marks and Spencers
Ribbon fastening Chunky bead design Contrast inner square detail Length: 102cm

Isis Body Spray, at Mark's & Spencer
Scented body spray 100ml This product is not available for international delivery. Find out more

Pure Cotton Stripe Apron, at Marks & Spenser
Tie bow fastening at back Front pocket Stripe design, Manufacturer: Marks & Spencer

One Pot Recipe Book, at Marks & Spencers
A fuss-free freshly cooked and utterly delicious meal with hardly any washing up sounds too good to be true, but one-pot cooking is the nearest thing. Soups, stews, casseroles, stir-fries, risottos, curries, bakes and roasts are easy to prepare and cook in a single pot, whether a casserole, wok, saucepan or roasting tin. This inspirational collection of recipes features one-pot dishes from cuisines around the world using all kinds of ingredients from meat to shellfish and from rice to cheese. One-pot cooking brings out the natural flavours of food, helps retain nutrients, generally requires little attention and creates less mess- the perfect choice for busy people who want to eat well.

Blue Harbour Pure Linen Multi Stripe Shirt, at M&S
Relaxed and stylish, this multi stripe shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Pearl Rochaille Bead Bracelet, at Marks and Spencers
Rochaille design Clasp fastening Faux pearl Twisted layer design

Multiple Pockets Cross-Body Bag, at Marks & Spencers
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and multiple pockets. A practical and stylish accessory

Hopskotch, at Marks & Spenser
10 foam pieces 2 hopscotch stones Suitable for indoor and outdoor use Suitable for ages 3-6 years, Manufacturer: Marks & Spencer

Tie Dye Crinkle Scarf, at Marks and Spencer
This sophisticated tie dye scarf is the perfect accessory to this season's fashions. The crinkle effect adds a stylish finishing touch

Collezione Pure Wool Single Pleated Trousers, at Marks & Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care to give you a feeling of luxury like no other

Autograph Pure Cotton Slim Fit Plain Poplin Shirt, at Marks & Spenser
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

Blue Tissue and Wrapping Accessories, at Marks & Spencer
Pack contains: 3 sheets of tissue, Gift tag, Ribbon Approx size: Tissue: 50 x 70mm, Tag: 80 x 45mm, Ribbon: 120cm

Autograph Older Boys' T-Line Stitch Laced Leather Shoes, at Marks and Spencers
Square toe Lace up 4 eyelets Block heel Raised stitch Lined Comes in sizes 1-7

Sun Formula Protect & Refine Sun Lotion, at Marks & Spencer
Helps to prevent the signs of aging Firming and toning Skin refining 12 hour moisturisation Australian formula SPF25 gives up to 25 times your natural skins protection 125ml This product is not available for international delivery. Find out more

Silver Plated Filigree Gem Drop Earrings, at Marks and Spencer
Hook fastening Drop style Filigree gams design For hygiene reasons, refunds will only be given in accordance with your legal rights

Geometric Print Sarong, at Marks and Spenser
Feminine and pretty, this sarong with a geometric print gives a fabulous fashionable look. The ultimate in poolside glamour

Global Traveller Flight Bag, at Marks & Spenser
Free 5 year guarantee Make transporting your belongings a hassle-free experience with the super lightweight and durable design of this hardwearing flight organiser

Yellow Flower Seed Birthday Card, at MarksandSpencer
Cover Text: If friends were flowers... then I'd pick you Inside message: Blank for your own message Approx size: 174 x 126mm

Handmade Outfit 40th Birthday Card, at Mark & Spencers
Cover text: 40 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: 175 x 126 mm

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 Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.