Besides Mark's & Spencer Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property 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 Financial Services 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 Financial Services Premier Property Insurance and Standard Property 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.

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spencers Standard Motor Insurance. With M&S Financial Services you can keep the cost of your Motor 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 Motor Insurance cover from M&S Financial Services, which also has other features.

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

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 Mark's & 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 Mark & Spencers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Ascensio Hard Small Rollercase, at Mark's & Spencer
Built for durable practicality, this small rollercase features a robust ABS outer shell and locking trolley system to ensure your belongings are safely secure and easy to transport

Centre Stripe Belt, at Marks & Spencer
This centre stripe design belt is ideal for wearing with casual styles

Cashmilon™ Crew Neck Knitted Jumper, at Marks & Spensers
Fashionable and flattering, this knitted jumper is made from supersoft cashmilon™ and features a crew neck

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

Silver Plated Crystal Stud Trio Earrings, at Marks and Spencer
3 pairs Crystal stud design Assorted colour For hygiene reasons, refunds will only be given in accordance with your legal rights

Pure Cotton Peacock Print Top, at Mark & Spencers
This fashionable top features a stylish peacock print for a fab contemporary look

Collezione Toe Cap Lace-Up Shoes, at Marks & Spensers
Square toe Gusset toe cap stitch Stitch detail Lace-up Block heel

Autograph Pure Cotton Straight Leg Jeans, at M+S
Fashionable and contemporary, these black resin jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Autograph Pure Linen Suit Jacket, at M & S
Made from pure linen, this smart suit jacket is part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details

7 Pairs of Freshfeet Square Box Socks with Silver Technology, at Marks and Spenser
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Marble Heart Pendant Necklace, at M&S
Heart pendant Rope style necklace Tie fastening Necklace length 82cm

Seville Antique Brass Soap Dish, at Marks and Spencers
Oval dish Wall mounted H6 x W14 x D13.3cm, Manufacturer: Marks & Spencer

M&S Cordless Conference Phone with Answering Machine, at Marks and Spencer
Wireless conferencing HD Sound Phone book - stores 100 names and numbers on each unit Talk time - up to 10 hours Standby - up to 100 hours Speakerphone - talk hands-free Caller display - identify your caller before answering 10 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answer machine with up to 12 minutes recording time Unique styling - stunning design with colour display ECO mode - low energy consumption Operating range: 300 metres outdoors, 100 metres indoors Display: Colour display with a choice of 2 wallpapers This product is not available for international delivery. Find out more

Reversible Jigsaw Quilted Bedcover, at Marks and Spencer
Jigsaw pattern Reversible 150 x 200cms, Manufacturer: Marks & Spencer

Blue Harbour Funnel Zip Neck Fleece, at Marks & Spencers
Relaxed and comfortable, this funnel zip neck fleece is outstanding value!

Zebra Print Border Crook Umbrella, at Marks & Spensers
Brighten up rainy days with this stylish lightweight umbrella

Tortoise Sorry It's Late Card, at Mark & Spensers
Cover text: Sorry it's late 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 127mm

Blue Harbour Heritage Pure Cotton Brushed Check Shirt, at Marks & Spensers
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Artificial Hydrangea in Copper Bowl, at Marks and Spencer
Artificial hydrangea flowers Oval copper bowl No watering required therefore easy care Fresh looking throughout the year H28cm, Manufacturer: Marks & Spencer

3 Pure Cotton "Hello Kitty" Vests, at Marks & Spencers
Fun and fabulous, this 3 pack of cotton vests feature Hello Kitty

2 Mosaic Stackable Chairs, at Marks and Spencer
H96 x W56 x D56cm Sold as a pair Metal frame Polyester seat pads included Suitable for indoor and all-weather outdoor use Individually hand crafted Please note that this range uses natural stone and grouts and therefore the colours within the products may vary from those shown and may change over time This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Disney Pixie Hollow Sticker Stories, at Marks & Spenser
Discover the secrets of fairy fashions, pixie talents and magical animals in these enchanting and original tales. You can make this book extra special! Just use the beautiful fairy stickers to bring each story to life and you'll create your very own enchanting fairy tales

Breakthrough Breast Cancer Re-Usable Organic Cotton Bag, at Marks & Spencers
Show you care with this organic cotton re-usable bag supporting Breakthrough breast cancer charity. 10% of the price of this product is donated to Breakthrough

Silver Plated Penelope Floral Drop Earrings, at Mark & Spensers
Hook fastening Drop style Faceted faux gemstones Diamant detail This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Sprung-Edge Non-storage Divan & F300 Mattress, at Marks and Spencers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm 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 Mattress depth: 25cm Divan Height: 41cm 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Luxury Mattress and Divan Set - Firm, at Marks and Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Anti-allergy - provides effective protection against dust mite allergies, so you'll have a trouble free sleep Mattress has 2200 independent pocketed springs in two layers Mattress filling is a combination of lambswool, cotton and loose hair Cotton-felt provides a soft surface, while wool tufts hold the filling in place Hand-stitched sides support the mattress walls and extend the sleeping area Divan has 956 pocket springs Timber frame Feet are high-quality castors This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Portfolio 2 Button Longline Jumper, at Marks & Spensers
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

3 Pairs of Younger Boys' Cotton Rich Assorted Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable assorted design socks

Maxim Salt & Pepper Set, at Marks & Spenser
Salt and pepper shakers Suitable for everyday use Versatile fine dining range H6cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Square Rimless Sunglasses, at MarksandSpencer
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

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 & Spenser are so useful. M&S Financial Services 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.