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 & Spensers are so useful. M&S Finance financial products are, of course, designed to make M & S 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.

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

• M&S Insurance: M&S Car 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 Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Besides Marks and Spencers Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Home 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 Finance 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 Mark's & Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier Home Insurance and Standard Home 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.

Classic Collection Wool Rich Mouflon Coat, at Marks and Spenser
Wrap up in style! This warm, soft coat in wool-rich mouflon will keep you feeling cosy and looking chic. Lined and smartly finished with side pockets, it's the perfect blend of fashion and comfort

Reader's Digest - The Most Amazing Places On Britain's Coast, at MarksandSpencer
A unique guide to more than 1000 captivating and curious locations

Per Una Tassel Trim Ribbed Scarf, at Marks & Spencers
This sophisticated ribbed scarf is the perfect accessory to this season's fashions. Tassel trim adds a stylish finishing touch.

Collezione Wool Rich Single Breasted Coat with Cashmere, at Mark & Spensers
Elegantly stylish and meticulously finished, this mid length coat is inspired by sophisticated Italian fashions

Younger Girls' Retro Sunglasses, at Marks&Spencer
Cute and colourful, these retro sunglasses give 100% UV protection for safer style in the sun

10 Photo Cupcakes Invitations, at Mark & Spensers
Cover text: Party invite Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Baby Text Thank You Card, at M & S
Cover Text: Thankyou Inside Message: Blank for your own message Pack Contains: 10 cards, 1 design Approx size: 120 x 120mm

Stripy Owl Age 4 Birthday Card, at MarksandSpencer
Cover text: too-wit too-woo happy birthday to you Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 150 x 150 mm

Boned & Stuffed Pork Shoulder with Prosciutto, at Marks & Spencers
Serves 8-10 Ready to cook 1.96kg As featured on page 37 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

Lotus Flower Pot Pourri Bag, at Marks & Spencer
Floral scented assortment, Manufacturer: Marks & Spencer

Schoolwear Plus Fit Stain Defence™ Knee Length Pleated School Skirt, at Marks & Spencers
This innovative larger sized skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit. Permanent pleats keep it looking smart View Plus Schoolwear Size Guide. Find out more

Heart Print Hipster Knickers, at Marks & Spencers
Pretty and feminine, these cute heart print bikini briefs sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Per Una 3 Piece Bolero & Vest Set, at Marks and Spenser
A pretty 3 part set featuring two vest tops and a short sleeve bolero

Maternity Camisole, at Marks and Spencer
Smart and stylish, this camisole is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. An essential fashion favourite

Graduating Tone Sunglasses, at Marks and Spencer
Simple and unassuming, these universally flattering sunglasses combine a graduated colour frame with a full tinted lens

Mens Leather Casual Jeans Belt, at Marks and Spencer
Smart and easy to wear, this casual belt is a fantastic partner for your favourite jeans and chinos

Autograph Cotton Rich 3 Piece Waistcoat Outfit, at Marks and Spencer
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

Vantage Point Blu-ray DVD, at Marks & Spencer
Rating Suitable for 12 years and over,

Small Square Jewellery Box, at M&S
3 drawers Square design

Pure Cotton Long Sleeve Stripe T-Shirt, at M+S
Fun and comfy, this practical pure cotton stripe t-shirt features an embroidered face motif. The shoulder poppers make it easier to dress him

Classic Square Watch, at Marks n Spencer
Square face Analogue Roman numerals Cushioned strap Buckle fastening

Bubble Base Champagne Flute, at Marks & Spencer
Bubble base design Hand made glass with heavy base Height: 19.5cm Capacity: 250ml (25cl), Manufacturer: Marks & Spencer

5 Younger Girls' Pure Cotton Sleeveless Plain Vests, at Marks and Spencers
Stock up on stylish essentials with this 5 pack of cotton vests

LEGO® 40TH Birthday Card, at M&S
Cover text: Youve hit the big 40! Inside message: Blank for your own message Approx. size: 215 x 150mm

Leather Multi Colour Loop Belt, at Marks and Spencers
This leather notched belt is ideal for wearing with casual styles

De Saint Gall Rosé Brut - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay, Pinot Noir Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Essentials Ponte Scoop Neck Dress, at Marks and Spencer
Luxurious and elegant, this smart style dress is part of our exclusive Autograph range

My Friend Felt Fashion Scenes, at Marks and Spencers
Suitable for ages 3+ years Helps with imaginative play and develops creativity This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Sweet Bergamot Refresher & Burner Oil, at Marks and Spencer
Sweet bergamot fragrance 15ml, Manufacturer: Marks & Spencer

The Aristocats Special Edition DVD, at Marks & Spencers
Rating Universal, suitable for all,

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 Finance. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Mark & Spensers than you might imagine.

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