Besides Marks and Spencer Car Insurance, M&S Money Credit Cards and other financial products, M&S Money 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 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 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.

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. M&S Money financial products are, of course, designed to make Mark & Spensers 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 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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 Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Double Breasted Mid Length Coat, at Mark's & Spencer
A smart coat in a flattering shape will never go out of style. This coat is made from a machine washable, non iron fabric for added convenience

Travel Shoe Bag, at Marks & Spencer
Prevent scuffs and marks on your favourite shoes, by placing them in this funky shoe bag

Halterneck Bold Stripe Bikini Top, at M+S
Feminine and fashionable, this flattering bikini top is designed in the latest shape. A fabulous fashionable look

Autograph Multi Bead Drop Earrings, at Marks n Spencer
Hook fastening Drop style Multi bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Duck Egg Leaf Damask Pillowcase, at Marks and Spencer
Fits standard pillows Border trim Leaf jacquard design, Manufacturer: Marks & Spencer

Crease Resistant Single Pleat Trousers, at Marks n Spencer
Stay smarter for longer with these innovative crease resistant trousers

Portfolio Quilted Shoulder Bag, at M & S
Stylish and useful, this shoulder bag features contrast chain trim. A practical and fashionable accessory

3 Piece Pure Cotton Hooded Gilet Outfit, at Marks and Spenser
Soft cotton fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value outfits are designed to keep baby looking adorable and feeling comfy and happy

5 Younger Girls' Pure Cotton Hello Kitty Briefs, at Marks & Spenser
A must for fans of Hello Kitty character, these briefs feature assorted designs

Big & Tall Crease Resistant Houndstooth Trousers, at Marks & Spensers
Stay smarter for longer with these innovative crease resistant trousers. Perfectly proportioned for big and tall men

Global Traveller Large Trolley Bag, at Marks & Spenser
Free 5 year guarantee Practical, smart and durable, this fully lined Global Traveller trolley bag can be carried or wheeled. It features a large front pocket and comes with a padlock for security

Older Girls' Pure Cotton Hello Kitty Pyjamas, at Marks & Spensers
A must for fans of Hello Kitty, these pyjamas feature a fun motif

Per Una Pure Cotton Floral Minishirt, at Marks & Spenser
Modern and feminine, this pretty floral print minishirt is made from soft breathable cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Winchester Large 2 Seater Sofa, at Marks and Spencers
H94 x W194 x D100cm Seat H49cm, arm H62cm, top back rail H81cm Conceals a fold out bed, suitable for use Seat cushions made from shape-retaining foam Other cushions made from polyester fibre Cushions are reversible if you choose a fabric upholstery option Cushion covers are not removeable on this range Solid birch feet with a dark finish 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 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more We will contact you personally to arrange a delivery date, once your order is ready, Manufacturer: Marks & Spencer

Cotton Blend Pyjama Shorts with Modal, at MarksandSpencer
Pretty and feminine, these shorts are made from soft cotton fabric for a comfortable night's sleep

Perfect Machine Washable Single Pleat Trousers with Wool, at Marks & Spencer
The perfect go-anywhere trousers, with a water repellent Stormwear finish and Lycra for added stretch and comfort

Panasonic HDC-SD200 HD Camcorder, at Marks and Spencer
Pixels: 9.15 megapixels Zoom: 12x optical zoom / 30x-700x digital zoom Screen: 2.7'' Wide LCD Dimensions: H6.8 x W6.8 x D13.2cm Weight: 335g (without batteries and card) Recording Format: JPEG Motion Image: 6.21 megapixels (2.07 megapixels x 3)[16:9] Still Image: 7.95 megapixels (2.65 megapixels x 3 ) [3:2] / 7.53 megapixels (2.51 megapixels x 3) [16:9] / 6.96 megapixels (2.32 megapixels x 3 ) [4:3] Image Stabilizer: Advanced O.I.S. [Optical Image Stabilizer] Audio Recording System: Dolby Digital (5.1ch) Microphone: 5.1ch Surround, Zoom and Focus Microphone Battery: min. 1250 mAh / Lithium-Ion

Portfolio Pure Silk Lightweight Scarf, at Marks&Spencer
Add a luxurious finishing touch to your look with this elegant pure silk rose print scarf. The perfect accessory to this season's styles

Pure Cotton Single Breasted Mac with Belt, at MarksandSpencer
Don't let rainy days spoil the fun! This fashionable mac will keep her dry. It features a waist tie belt

2 Autograph Retro Stripe Hipsters, at MarksandSpencer
Featuring the best in modern fabric and contemporary design, these luxurious hipsters feel exceptionally comfortable and give a superior fashionable fit

Autograph Pure Cotton Funnel Neck Jacket, at Marks and Spencer
This sharply styled casual jacket gives a fashionable urban look. Superior fabric, a contemporary design and exceptional attention to detail make it a must have for this season

Autograph Single Breasted 2 Button Black Stripe Jacket, at Marks & Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Autograph Wool Blend Dogtooth Jacket, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look.

Pure Cotton Cargo Pocket Belted Jeans, at M&S
These cargo jeans look cool and casual and are made of comfy cotton

Orchid Floral Cushion, at M & S
Multi-colour floral design L50 x W50cm, Manufacturer: Marks & Spencer

Black Silver Glass Photo Frame 10 x 15cm (4 x 6"), at Marks & Spensers
Contrast border Rectangle shape Aperature: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

2 Younger Girls' Pure Cotton Heart & Star Print Pyjamas, at Marks & Spenser
Fun and fashionable, this pack of 2 pyjamas is made from soft breathable cotton

Portfolio Pure Silk Floral & Spot Print Lightweight Scarf, at Marks and Spenser
Add a luxurious finishing touch to your look with this elegant pure silk floral and spot print scarf. The perfect accessory to this season's styles

2 Limited Collection Cotton Rich Low Rise Shorts, at M+S
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Active Performance Cropped Leggings, at Marks and Spencer
Perfect for active wear, these Performance leggings incorporate moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks and Spencers, 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 Financial Services, you get more, and you pay less.