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

Also, on both M&S Finance 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 Marks & Spensers are so useful. M&S Finance financial products are, of course, designed to make Marks & Spenser 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 Finance 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

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 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 Property 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 Property 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.

Tapestry Cushion With Recycled Filling, at Marks and Spencers
Square shape Corner tassels Size: 50cm x 50cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Floral Print Empire Line Top, at M&S
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

Wool Rich Lion Rug, at Marks & Spencers
Rectangular shape Soft, Manufacturer: Marks & Spencer

Older Girls' Cotton Rich Heart Print Bra & Shorts, at Marks and Spenser
A pretty matching set in cotton rich fabric. The heart print bra and shorts are designed for a supportive and comfortable fit. Non-wired designs are the best choice for first bras

Andante Rim Side Plate, at Marks & Spencers
Ideal for everyday use, durable Plain Round shape Diameter 21cm, Manufacturer: Marks & Spencer

Pure Cotton Quick Iron Long Sleeve Stripe Shirt, at Marks and Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look.

2 Machine Washable Micro Dot Ties, at Marks & Spencer
No more trips to the drycleaners! This contemporary striped tie is machine washable

2 Piece Multi Spot Dungaree Outfit, at Marks&Spencer
Practical and pretty, this cute dungaree and bodysuit 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Wool Blend V-Neck Jumper, at Marks & Spencer
This great value jumper is soft, hardwearing and lightweight. An ideal choice for school

Lavender Scented Pillar Candle, at Marks & Spenser
Lavender fragrance Includes candle plate Burns upto 50 hours, Manufacturer: Marks & Spencer

Autograph New York Shower Cream, at Marks and Spencers
Scented 200ml

Multi Button Leather Gloves, at M&S
These fashionable and elegant leather gloves are finished with contrast stitch detail and are warmly lined. Perfect for keeping out the cold without compromising on style

Ingredients Lemon Sugar Body Scrub, at M+S
Lemon fragrance Approx 200ml

Champagne Oudinot Vintage 2002 - Case of 6, at M & S
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Luxury Pure Cotton Herringbone Shirt, at Marks & Spencers
Relaxed and stylish, this herringbone shirt is made from pure cotton so it feels soft and comfortable to wear

Pure Cotton 3/4 Sleeve Spot Print Top, at Marks & Spencers
Pretty pintuck and spot print makes this soft cotton top extra special

Per Una 3/4 Sleeve Assorted Button Cardigan, at Marks & Spencer
A beautiful 3/4 sleeve cardigan in a chunky knitted fabric featuring stripe design and assorted button fastening

Leather Tassel Purse, at M&S
This stylish purse is made from real leather with reinforced stitching. A high quality and chic essential

Tupungato Cabernet Sauvignon Malbec 2007 - Case of 12, at Marks & Spenser
Style: Dry, full bodied Grape variety: Cabernet Sauvignon, Malbec Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

40th Birthday Cocktail Card, at M&S
Cover Text: fabulously 40 Inside Message: happy birthday Approx size: 125 x 177mm

Nintendo Wii™ Console with Sonic and The Black Knight & Monopoly Games Bundle, at Marks & Spensers
Includes Wii™ console with wireless Wii Remote and Wii Nunchuk, Monopoly and Sonic and The Black Knight Sonic and The Black Knight: Sonic returns to the Wii to take a wild ride through the storybook world of Camelot in his all-new adventure Sonic and the Black Knight Monopoly: Celebrating over 70 years of family fun, the legendary property trading game Monopoly is hitting Wii in a whole new way! Access online Wii™ Channel for news, weather, photo viewing, message boards and more Built-in Wi-Fi access for easy connection to Nintendo Wi-Fi Connection gaming service Completely backward compatible, all the way to the NES of the 1980s Fully compatible with GameCube games Supports up to 4 GameCube controllers 2 slots for Nintendo GameCube Memory Cards Plays two disc formats in a single, self-loading media bay Comes with A/V cable and UK power adapter Features a processing chip from IBM and a graphics chip from ATI

Classic Collection Seersucker Stripe Straight Leg Trousers, at M+S
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Big & Tall Single Breasted Jacket, at Marks and Spenser
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Sonoma Dark Nest of Tables, at Mark & Spensers
2 part set H60 x W45 x D45cm (largest) Made from solid oak and oak veneer Solid oak end grain detail Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Kaituna Hills Forty Knots Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cotton Rich Bootleg Jeans, at Marks & Spencers
Fashionable and comfortable, these bootleg jeans are outstanding value!

Cashmilon™ Snake Print Tasselled Scarf, at Marks & Spensers
Keep warm, cosy and stylish in this fashionable snake print tasselled scarf made from supersoft cashmilon™

3 Pack Easycare White Long Sleeve Shirts, at Marks and Spencer
Smart and stylish, this pack of 3 easycare shirts is great value. An ideal choice for everyday wear

Reece Wardrobe, at Mark's & Spencer
H205 x W115 x D58cm With 1 hanging rail and 1 shelf Assembled for you in the home This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this wardrobe as part of a set. Click here to view the Reece Collection Set. Click here to view the internal layout of this furniture, Manufacturer: Marks & Spencer

2 Piece Cotton Rich Racoon Dungaree & T-Shirt Outfit, at MarksandSpencer
It's the racoon motif that makes this 2 piece outfit fun and fashionable. Soft cotton and velour fabric makes it comfy and practical

M&S Finance offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spenser 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsbury's, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Finance UK and European Breakdown Cover, since it covers you as a passenger too.