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

Also, on both M&S Money Direct 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.

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 M+S are so useful. M&S Money Direct financial products are, of course, designed to make Marks and 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, 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 Money Direct 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 Money Direct Property 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 n 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 M+S, through its M&S Money Direct 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.

Mirrored Sink Unit, at Mark & Spensers
H80 x W59 x D42cm Sink and tap sold separately Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Care & Cleaning - Wipe with a soft, clean cloth This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Pure New Wool Single Breasted Soft Check Jacket, at Marks and Spencer
A pristine example of fine Italian style, this distinguished single vent jacket is fashioned from Pure New Wool and features a stunning contrast lining for a refined finishing touch

Silver Plated Double Twist Ring Necklace, at Marks and Spencers
Clasp fastening Adjustable length Thin chain Double twist ring pendant with multifaceted bead detail Necklace length 40cm, extendable by 7.5cm

Spotty Die Cut Type Sister Birthday Card, at Marks and Spencers
Cover Text: Happy birthday sister Inside Message: Blank for your own message Approx. Size: 150 mm x 215 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Sony Leather Camera Case, at Marks & Spenser
Use this durable leather case to keep your camera safe when you are out and about

125 Years Luxury Pure Wool Stripe Trousers, at Marks and Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Autograph Essentials Rose Embroidered Padded Bra, at MarksandSpencer
Fresh and pretty, this rose embroidered padded bra features a floral trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Spot Print Tankini, at M+S
Modern and stylish, this comfortable tankini is sure to make a splash!

Autograph Leather Bump Toe Lace-Up Shoes, at Marks and Spenser
Square bump toe Lace up Stitch detail 5 eyelets Block heel Available in half sizes

Pure Silk Floral Tie, at M+S
Add a luxurious finishing touch with this smart floral tie in pure silk

Autograph Copper Base 16cm Saucepan, at Marks and Spencers
Stainless steel for maximum durability and shine Glass straining lid Riveted handles with silicone inserts for comfort and safety Twin pouring lips for left and right-handed cooks High performance copper base for even heat distribution Diam 16cm Capacity: 1.4 litre Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Mini Limited Pure Cotton Short Sleeve Zebra Top, at Marks and Spencers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Favourite Handbags Birthday Card, at Mark's & Spencer
Cover text: You can never have too many handbags, Shopping bag, stylish bag, beach bag, casual bag, designer bag, disco bag, work bag, favourite bag Inside message: Happy Birthday Approx size: 230 x 114mm

Sprung-Edge Divan with 2 Small & 2 Large Drawers, at Mark's & Spencer
Double: W135 x L190cm King: W150 x L200cm Super King: W180 x L200cm Divan: H41cm 2 x large drawers and 2 x small drawers Large drawer size: H15 x W78.4 x D53cm Small drawer size: H15 x W40.5 x D53cm Solid wooden frame Sprung edge Half-width (small) drawers at the head end are designed to open without moving your bedside table This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Formal Square Buckle Belt, at Mark & Spencers
Add a smart finishing touch with this leather square buckle belt

4 Pairs of Fine Cotton Multi Design Socks, at Marks and Spencers
Smart socks with a luxurious feel and appearance. A reinforced heel and toe gives extra durability

T271737, at Marks and Spencers
Manufacturer: Marks & Spencer

Autograph Long Sleeve Narrow Bengal Stripe Shirt, at Marks & Spencers
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

Pure Silk Abstract Print Scarf, at Mark & Spencers
Add a luxurious finishing touch to your look with this elegant pure silk abstract print scarf. The perfect accessory to this season's styles

50 Fairtrade Double Sided Cotton Pads, at Marks & Spensers
Contains 50 pads Double faced design By buying this item you are ensuring that cotton farmers in the developing world can improve their livelihoods Click here to view a video about Fairtrade Cotton

Pacific Large 2 Seater Sofa AU09 Newness, at Mark's & Spencer
Manufacturer: Marks & Spencer

Leopard Print Flexilite Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

M&S Create Your Own Greeting Card Software, at Marks and Spencers
Includes 10,000 pieces of clipart Full scaleable images This product is not available for international delivery. Find out more 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

Small Glass Hurricane Candleholder, at Marks & Spencers
Curved shape High sides Sand inside to balance candle H18 x Diam 13.5cm, Manufacturer: Marks & Spencer

Autograph Weekend Pure Cotton Envelope Neck Stripe Jumper, at Marks & Spencers
Casual and modern, this envelope neck stripe jumper has been designed for a chic, relaxed look

Linen Blend Stitch Detail Shorts, at Marks & Spencers
Cute and sassy, these easy-fit linen shorts are relaxed and casual. Stitch detailing adds a stylish finishing touch

Autograph Stainless Steel Cocktail Shaker, at Marks & Spencer
Metallic sheen Suitable for cocktails H30cm 10 cm deep, Manufacturer: Marks & Spencer

Girls' Night Out Card, at Marks and Spencer
Cover text: Girls night out 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: 230 x 114mm

Older Girls' Mixed Bead Wide Brim Hat, at Marks & Spencer
Fashionable and fabulous, this wide brim hat adds a stylish finishing touch

Classic Collection Cotton Rich Jersey Jacket, at Marks & Spencers
Smart and fashionable, this cotton rich jacket is finished with stitch detail. A practical, versatile style that can be worn with smart or casual outfits

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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, 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 Marks & Spencer Money, you get more, and you pay less.