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

Also, on both M&S Money Direct Premier House Insurance and Standard House 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 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 & Spencers, 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 Car Insurance, M&S House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

M&S Money Direct 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 Car 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; Car Insurance and House 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 House 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 Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Blue Harbour 3/4 Length Shorts, at Marks and Spencer
Relaxed and casual, these fashionable shorts are made from comfortable cotton and feature characteristic cargo style pockets

2 Mosaic Seat Pads, at Marks and Spencer
Set of 2 Seat pads for Mosaic stackable chairs Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Younger Boys' Pure Cotton Mr Men Hat, at Marks & Spencers
Fans of Mr Men and Little Miss will love this sun hat featuring Mr Bump the popular character

Woven Flap Purse, at Marks and Spencers
Fashionable and practical, this purse is a useful accessory with bags of style!

Isis Moisturising Aftershave Balm, at Marks and Spencers
Alcohol free 100ml This product is not available for international delivery. Find out more

Perfect Blue Harbour Haritage Pure Cotton Stripe Shirt, at Marks & Spensers
These heritage inspired shirts are a wardrobe staple. The contrasting trims and button-down collar create a stylish, authentic look that's great for any occasion

Cream Aluminium Collection Griddle Pan, at Marks & Spenser
Aluminium construction ensures pans are easy to use and durable Non-stick coating Riveted handles for safety and strength Suitable for use on all cookers and hobs except induction L26 x W26cm, Manufacturer: Marks & Spencer

Ceriso Floral Print DD-G Padded Bra, at Marks & Spensers
Flirty and feminine this modern bra is beautifully detailed with a frill trim and floral print design. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Body Solutions Smoothing Sleeveless Plain Full Slip, at Marks & Spenser
A practical fashion essential you can't do without! It's a must-have for enhancing the look of your dresses, particularly those that look see-through under light

Lucy Shoe Mannequin Jewellery Holder, at Marks and Spencer
Shoe design Sequin detail Multiple hooks and hoops

Love and Marriage Photo Wedding Card, at Marks and Spencers
Cover text: Love & Marriage Inside message: Blank for your own message Approx. size: 150 x 150 mm

Painterly Floral Mum 70th Birthday Card, at M&S
Cover text: Happy 70th Birthday Mum, Life's a little happier, A little sweeter, too, A little more delightful, All because of you! Inside message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Medium Jungle Monkey, at Marks & Spensers
Suitable for ages 0-3yrs H23cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Portfolio Cotton Rich Casual Jeans, at Mark & Spensers
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Firm Control No VPL Border Thigh Slimmers, at Marks and Spencer
These firm control knickers gently shape tums, thighs and bums for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

Crayon Letters Thank You Card, at Marks and Spencer
Cover text: Thank you Thank you Thank you Thank you Thank you Inside message: Have a fantastic day! Approx size: 175 x 127mm

Limited Collection Bond Bowler Bag, at Mark's & Spencer
Fashionable and fabulous, this bowler handbag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Rosina 2-Seater Occasional Sofa Bed, at Marks and Spencers
H85 x W174 x D97cm (extends to L233cm) Seat H47cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Mattress dimensions: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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 medium 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 service: 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sterling Silver Organic Double Oval Necklace, at Marks & Spencer
Clasp fastening Double oval design Length: 41cm

Playmobil Patrol Car Toy, at Marks and Spencer
Suitable for ages 4+ Flash light Hinged back seat Includes car, policemen, storage box with accesories This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Tree Pastry Cutter, at Marks & Spencer
Tree design, Manufacturer: Marks & Spencer

Tag & Flowers Sister Birthday Card, at M & S
Cover text: Sister, Hope your Birthday is as special as you are Inside mesage: With Love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

10 Photo Cupcakes Invitations, at Marks and Spencer
Cover text: Party invite Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

3 Pairs of Collezione Tonal Diamond Socks, at Marks & Spencers
Exclusively designed for M&S, these smart socks are inspired by Italy and feature a luxury cotton weave for the ultimate in style and sophistication

Limited Collection 3/4 Length Plain Leggings, at Marks and Spencer
Get a fashionable, contemporary look in these stretchy leggings from Limited Collection

Per Una Long Sleeve Celtic Pin Cardigan, at Marks and Spencer
A versatile long sleeve cardigan featuring a celtic fastening pin in a delicate knitted fabric

Bialetti Aluminium Teapot, at Marks and Spenser
Attached lid 6 cup capacity, Manufacturer: Marks & Spencer

Freedom Ridge California Pinot Grigio 2008 - Case of 12, at MarksandSpencer
Style: Full bodied Grape variety: Pinot Grigio Country of origin: California Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Leaf Embroidered Runner, at Marks & Spensers
Leaf embroidered design Dimensions: L235 x W35cm, Manufacturer: Marks & Spencer

Classic Collection Twig Embroidered Wedge Mule Slippers, at M&S
Mule style Wedge heel Round toe Twig embroidered detail

There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and 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 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.