Besides Marks & Spencer Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Household 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 Money Direct 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 Spencer purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Household Insurance and Standard Household 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.

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

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

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks n Spencer Standard Car Insurance. With M&S Money Direct 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 Money Direct, 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.

Formal Square Buckle Leather Belt, at M & S
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Per Una Outline Leaf Bikini Top, at Marks and Spencer
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

Stripe Print Tankini Top, at Mark & Spensers
Feminine and fashionable, this stylish tankini top features a striking stripe print. A sleek, shapely look

Collezione Diamanté Weave Cufflinks, at Marks & Spenser
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Autograph Puccini Bench Seat Pad, at Mark & Spencers
Plain seat pad Suitable for indoor and all-weather outdoor use Both seat pad and bench are pictured. Bench sold separately This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Short Sleeve Ribbed Trim Longline Cardigan, at M+S
Delicate and feminine, this cardigan features an edge to edge ribbed trim design. Stylish, practical and fashionable

Die Cut Shoe Print 18th Birthday Card, at Marks & Spensers
Approx. size: 215 x 150mm Cover text: 18 Inside message: Blank for your own message

4 Sennen Mugs - Blue, at Marks & Spenser
4 piece set Contrast design H11 x Diam 9cm, Manufacturer: Marks & Spencer

Collezione Pure Wool Single Breasted 2 Button Jacket, at Marks&Spencer
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 on this garment to give you a feeling of luxury like no other

Ceriso Floral Print Padded DD-G Bra with Silk, at Mark's & Spencer
Gorgeously feminine, this modern bra features a rose print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a fabulous uplifted shape. Designed for women who want the latest look

Maxim Vegetable Dish, at M & S
Plain design Rectangular shape L31 x W23cm, Manufacturer: Marks & Spencer

Pure Wool Pebble Rug, at Mark & Spencers
Rectangle shape Textured design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Halenka Lace Bikinis, at Marks and Spencers
A great style for making your legs look longer, these lace bikinis are designed with a flattering high cut.

Patent Wedge Mules, at Marks & Spencer
Round toe Strap detail Wedge heel Comes in sizes 3-8, including half sizes

Ultimate Non Iron Pure Cotton Short Sleeve Check Shirt, at Marks & Spencers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Cotton Rich Velour Bootleg Joggers, at Marks and Spencer
Flattering and practical, these comfy joggers are made from soft velour. An easycare essential with a stylish look.

Autograph Horseshoe Buckle Belt, at M&S
Combining smart practicality with elegant style results in a pure leather belt that's simply flawless in design

Abbey Compact 2-Seater Sofa, at M&S
H95 x W176 x D97cm Seat H54cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Solid birch feet with a dark finish 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 samples: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Fudge the Dog Multipack of Mini Cards, at Marks and Spencer
Cover text: design 1 - thank you, design 2 - hello there, design 3 - thank you, design 4 - with love Inside message: blank for your own message 8 cards, 4 designs Approx size: 95 x 80mm

Multi Hanger Washing Line, at Mark's & Spencer
Hanger design Multiple pegs

Older Girls' Sunglasses, at MarksandSpencer
Fashionable and fab, these plain sunglasses give 100% UV protection for safer style in the sun

Sony Memory Stick PRO Duo 16GB, at Marks and Spencer
Optimum for storing, sharing and transferring thousands of high quality pictures, videos and music Memory: Flash Memory Storage Capacity: 16GB Dimensions: 20 x 31 x 1.6mm Weight: 2g Operating Voltage: 2.7 V - 3.6 V Environmental temperature: -25C to 85C Minimum write speed: 15 Mbps(1875MB/sec) Free to Download, the Memory Stick Data Rescue Service enables quick recovery of deleted photographs and files(www.sonydigital-link.com/memstick/) Warranty: 5 years Delivered with a standard size adaptor Ideal for high resolution video recording Compatible with all Sony Cyber-shot, Handycam, VAIO, PSP & Alpha released after 2007 Compatible with copyright protection technology ("MagicGate")

Pocket Swiss Ball, at Mark's & Spencer
This pocket size Swiss Ball book is jam packed with fun tips to help you improve how your body looks, feels and works, giving both your mind and body a good workout

Per Una 3/4 Sleeve Floral Tunic, at Marks&Spencer
A fashionable floral print tunic in a soft cotton blend featuring tie waist detail, finished with a frill neckline

Philips CD1553B Cordless Phone with Answering Machine, at Marks and Spencers
50 name and number phonebook 10 minutes recording time Plug and play answering machine 10 call log entries Call waiting, caller ID, conference call, explicit call transfer, microphone mute Tone and pulse dialling Talktime up to 12 hours, standby time up to 150 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

Lichfield Bookcase, at Marks and Spencer
H195 x W109 x D43cm Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Shelves made from White Oak veneer Side panels are veneered Top panel is veneered with solid oak edging for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Stormwear™ 3 in 1 Hooded Parka, at Marks & Spencer
Smart and modern, this 3 in 1 parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Perfect Wool Blend Double Breasted Belted Coat, at Marks and Spenser
Military detailing is still one of this season's main style stories. This belted, funnel neck coat really works the look

Artificial Magnolia in Ribbed Oval Pot, at Mark's & Spencer
Artificial magnolia flowers Ceramic oval pot H70cm, Manufacturer: Marks & Spencer

Seville Antique Brass Double Towel Rail, at Marks & Spenser
Double rail Wall mounted H13.7 x W51.58 x D18.17cm, Manufacturer: Marks & Spencer

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