Besides Mark's & Spencer Motor 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 Marks & Spencers 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.

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 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 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.

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 & Spencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks & Spencers 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

Pure Cotton Ruffle Neck Ribbed Vest Top, at Marks n Spencer
For casual elegance, you can't beat this ruffle neck vest top. A great value cotton essential

Portfolio Scoop Neck Plain Top, at Marks & Spencers
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Light Control Low Leg Briefs, at Marks & Spencers
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

DD-G Spot Print Plunge T-Shirt Bra, at Marks & Spensers
Flattering and comfortable, this spot print t-shirt bra is specially designed for fuller busts. The plunge up style gives gentle support and a flattering enhanced cleavage

Pure Woven Silk Stripe Tie, at Marks and Spencers
Add a luxurious finishing touch with this smart stripe tie in pure silk

Chrome Collection Glass Shelf, at Marks & Spenser
Toughened safety-glass shelf Chrome finish posts H2.8 x W50 x D10cm, Manufacturer: Marks & Spencer

Tupungato Syrah 2008 - Case of 6, at Mark & Spensers
Style: Full-bodied Grape variety: Syrah Country of origin: Argentina Closure: Natural Cork Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Firm Control Cotton Rich Thigh Slimmer, at Mark & Spensers
Look slimmer in seconds! These clever slimmers gently shape tums, thighs and bums for a smooth, sleek silhouette

Autograph Luxury Pure Cotton Hotel Towel Collection & Bathmat, at Marks & Spencer
Luxurious 800gsm towels made from the finest combed cotton Hand: L100 x W50cm Face: L33 x W33cm Bath: L140 x W68cm XL Bath: L180 x W89cm Bathmat: L80 x W50cm, Manufacturer: Marks & Spencer

Silver Plated Twisted Leaf Cluster Necklace, at M&S
Clasp fastening Adjustable length Twisted leaf cluster Length: 41cm Extender: 8cm

Per Una Leather Tubular Knot Mule Shoe, at Marks and Spencers
Open toe Slip on Tubular knot foot strap Mid-high wedge heel

Sleeveless Plain Shirt, at Marks & Spenser
Get a sophisticated modern look with this sleeveless shirt. Perfect for mixing and matching with skirts or trousers

Natural Beauty Body Scrub, at Marks & Spencer
200ml Naturally fragranced

Long Sleeve Waterfall Jacket, at Mark & Spencers
Chic and stylish, this waterfall jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Faux Leather Biker Jacket, at Marks & Spencers
Modern and stylish, this faux leather biker jacket looks like the real thing. It's water resistant and machine washable too. Contemporary fashion at an amazing price so you can look your best for less

Mesh Trim Full Cup Non-Wired Sports Bra, at Marks & Spensers
Offering the superior support and control you need for those high impact workouts. This sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

Small Fishbowl Vase, at Marks&Spencer
Incredibly versatile, this elegant vase is ideally suited for smaller floral arrangements or simply displayed on its own for an understated effect

125 Years Tea Mug, at M+S
Retro style Part of the Commemorative Collection, Manufacturer: Marks & Spencer

Pure Cotton Velvet Table Runner, at Marks & Spenser
Drop chain design Dimensions: L230 x W33cm, Manufacturer: Marks & Spencer

North Coast Pure Cotton Check Shirt, at Mark & Spencers
Stylishly smart casual, this check shirt is made from pure cotton so it feels soft and comfortable to wear

Seville Pepper Mill, at M+S
Acylic and brushed chrome design Fitted with a durable stainless steel mechanism Fully adjustable mechanism from fine to coarse grinds just tighten or loosen the knob Lifetime guarantee Comes filled with Pepper Approx size: L5.5 x W5.5 x H14cm, Manufacturer: Marks & Spencer

My First Puppy Camera, at Marks and Spencer
Interactive camera toy Fun camera sounds 'Say cheese!' voice feature Puppy picture Batteries included H13 x L17cm Suitable for ages 0-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Post Surgery 2 Tone Lace Padded Bra, at Marks & Spencer
Pretty and feminine, this floral lace trim bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

3 Cool & Fresh Cotton Rich Assorted Trunks, at Marks and Spencer
Made from soft breathable stretch cotton, these comfy trunks are ideal for everyday wear

Pure Cotton Stripe Thomas The Tank Engine Polo Shirt, at Marks and Spencer
Fans of Thomas the tank engine will love this cotton polo shirt featuring the popular character. A practical, easycare style

PSP™ Daxter Game, at Marks & Spencer
A bug-blitzing adventure, tying up many loose ends from the Jak series Quirky multiplayer action Compatible with Jak X: Combat Racing for PlayStation 2 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Kids to Adults

Pure Cotton Cup Cake Print Mock Layer Top, at Marks and Spencer
A cup cake motif makes this soft cotton top extra cute

Older Girls' Pure Cotton Long Sleeve Pyjamas with Toy, at Mark's & Spencer
The motif design makes these soft pure cotton pyjamas so pretty

Mosaic Pendant Necklace, at Marks & Spencer
Clasp fastening Adjustable length Mosaic pendant Necklace length: 40cm, extendable by 8cm

Step Ladder Bookcase - Natural, at Marks and Spenser
H190 x W60 x D39.5cm Lean-to shelving unit Crafted from rubberwood Delivered flatpack due to size Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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 Spencers 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 and Spencer, 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 House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.