Besides Marks and Spenser Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance 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 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 Marks & Spencers purchases are also protected while you take them home.

Also, on both M&S Finance 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.

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 and 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 Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.

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 Finance 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 Finance 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 Finance Household Insurance than you will anywhere else, and you may even pay less with M&S.

Autograph Satin Foldover Clutch Bag, at M & S
Luxurious and beautiful, this foldover clutch handbag is part of our exclusive Autograph collection. It's handy compartments make it useful and practical as well as being a highly desirable fashion accessory

Autograph Value Suit Jacket, at Marks and Spenser
Smart and stylish, this suit jacket is outstanding value! It's made from comfortable hardwearing fabric, ideal for sixth form wear

Pure Wool Orbit Rug, at Marks and Spenser
Rectangular Orbit pattern Small: 80 x 140cm Medium: 120 x 180cm Large: 160 x 230cm, Manufacturer: Marks & Spencer

Sequin Bow Headband & Hair Bands, at Marks & Spencer
Coordinated looks are cute, so this matching sequin bow and hairbands makes a stylish choice

Windsor 8-Drawer Chest, at Marks and Spencers
H94 x W153 x D44cm 8 drawers Made from from solid pine Finished with low sheen lacquer for added durability 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Save the Children Charity Contemporary Eggs Multipack of Easter Cards, at Marks n Spencer
Cover text: Design 1: Easter wishes, Design 2: yummy Easter treats! Inside message: Both designs: blank for your own message 10% of the purchase price from each pack will be contributed to Save the Children. Registered Charity England & Wales (213890) / Scotland (SC039570) Pack contains: 6 cards, 2 designs Approx size: 120 x 120mm

3 Pure Cotton Short Sleeve Tops, at M+S
Cute and practical, this pack of 3 tops is great value. The soft cotton fabric will keep her happy and comfy

Total Support Plain Bra, at Marks & Spencers
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

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

3 Piece Pure Cotton Newborn Toucan Outfit, at M & S
Fashionable and practical, this cute 3 piece outfit features an embroidered toucan design. It's made from soft cotton to keep her comfortable and happy

Generic Pencil Case, at Marks & Spensers
Circular design Zip fastening Oblong shape Circle tab feature Floral design

Perfect Autograph Wool Rich Single Breasted 2 Button Jacket, at Mark & Spensers
Style is all in the detail. This suit has square shoulders and slanted pockets to slim the waistline and give a modern fit, while the bold contrast lining adds extra chic

Official ECB Pure Cotton Jersey Shorts, at Marks & Spenser
Young cricket fans can show their support in these official shorts, featuring contrast trims and the England Cricket logo. A comfortable, easycare style in stretchy cotton jersey

Ultimate Non-Iron Pure Cotton Pindot Stripe Shirt, at Marks and Spenser
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Older Boys' Pure Cotton Ben 10™ Mule Slippers, at Marks&Spencer
Round toe Mule style Slip on Ben 10 motif TM & 2008 Cartoon Network. A Time Warner Company. All Rights Reserved

Autograph SupimaŽ Sateen Duvet Cover, at M & S
500 thread count Pleated border Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Shiny Nail Kit, at Marks&Spencer
Nail wax nourishes and adds lustre Traditional chamois buffer quickly achieves a long lasting shine White pencil brightens your nail tips Used regularly it will encourage your nails to grow stronger and longer

Per Una Cotton Rich Straight Leg Jeans, at Marks & Spensers
A fashionable pair of straight leg jeans in stretch cotton. Matt button feature gives it the Per Una touch

Autograph Essentials Double Breasted Trench Coat with Belt, at Marks and Spencers
Modern and stylish, this double breasted trench coat features a waist tie belt. A contemporary style in superior fabric, it will instantly update your wardrobe

Petite Double Button Bootleg Trousers, at Marks and Spenser
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit. Specially designed and perfectly proportioned for the petite frame

Pile of Presents Sister Card, at Marks & Spencer
Cover Text: Gorgeous gifts for a glamorous sister Inside: Blank for your own message Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Mixed Bead Necklace, at MarksandSpencer
Mixed bead design Adjustable length Clasp fastening Necklace length: 53cm, extentable by 5cm

Bold Stripe Wallpaper, at Mark's & Spencer
Manufacturer: Marks & Spencer

Flat Front Plain Trousers, at Mark & Spencers
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Platinum Plated Stud & Hoop Duo Earrings Set, at Marks & Spenser
Set of 2 Butterfly stud fastening Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Mineral Powder Eyeshadow, at Marks & Spencers
Hypoallergenic Fragrance and preservative free

Per Una Short Sleeve Sparkle Top, at Marks and Spenser
A fabulous scoop neck top in pure soft cotton embellished with sparkling sequins

Cotton Rich Thomas & Friends™ Shorties, at Marks & Spencer
Fun and practical, this 2 part set features a cool t-shirt and matching shorts with drawstring fastening. It's made from soft cotton to keep him comfy

Autograph Pure Cotton Textured Stripe Trousers, at Mark's & Spencer
Fashionable and contemporary, these textured stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Mixed Faux Pearl & Bead Tassel Necklace, at Marks & Spencers
Clasp fastening Tassel detail Mixed Faux pearl and bead design Necklace length: 76cm

M&S Finance Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Household Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Household Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.