Besides Marks and Spencer Car 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 Mark's & Spencer 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.

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 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.

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 & 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.

50/50 Cream Pinstripe Bedset, at M&S
Pinstripe design Single set includes duvet cover and 1 pillowcase, double and king size includes 2 pillowcases Comes in single (3ft), double (4ft 6') and king size (6ft), Manufacturer: Marks & Spencer

First Readers Goldilocks & the Three Bears, at Marks and Spencer
Based on the traditional folk tale 'Goldilocks and the Three Bears', this vibrantly illustrated story is sure to become a favourite in every home. Follow the naughty Goldilocks into the house of the three bears, and see what happens when they come home and find her!

Velvet Soft Bronzing Powder, at Marks n Spencer
Clear lid Compact design

Standalone Rectangular Mirror, at Mark's & Spencer
Freestanding Stainless Steel Bevelled edges, Manufacturer: Marks & Spencer

Square Check Wrap Mini Skirt, at Marks and Spenser
Short and sweet, this mini skirt looks and feels luxurious. Stylish, practical and fashionable

Autograph Styled Embroidered Padded Bra, at M & S
Stunningly stylish this padded bra features floral embroidery. The demi-cup style is ideal for wearing with low necklines and the gentle padding and underwiring give a flattering shape. Beautiful exclusive lingerie

Marble Collection Soap Dispenser, at Marks and Spenser
Pump action Marble design, Manufacturer: Marks & Spencer

Total Support Luxury Lace Bra, at Marks & Spencer
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

Happy Birthday Special Sister Card, at Marks & Spencer
Cover text: Dear Sister... With warmest wishes for all of life's nicest things... Because it's your birthday and because you're someone who's very special Inside message: Have a wonderful birthday Approx size: 215 x 150mm

Hideaways - H/AWAY, at Mark's & Spencer
Manufacturer: Marks & Spencer

Sunny Town Shop Helpers Set, at Marks & Spencers
Shop keeper Delivery car Little girl Promotes hand eye co-ordination Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Firm Control Smooth Magic Body, at Marks & Spencer
This clever body works like magic with targeted control areas to shape you where you need it most. It's comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Classic Collection Floral Spot Print Skirt, at Mark & Spencers
Elegant and feminine, this printed pull-on skirt is cut to drape beautifully and flatter your figure. The lovely colours in the print coordinate perfectly with the plain tops in the Classic range, making it easy to put stylish outfits together

3 Cool & Fresh Pure Cotton Boxers, at Marks & Spencers
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Pure Cotton Hooded Check shirt, at Marks & Spencers
Relaxed and comfortable, this fashionable hooded top is made from pure cotton and features a check print. A practical easycare style

My First Frog Phone, at Marks and Spencer
Manufacturer: Marks & Spencer

Luxury Pure Cotton Long Sleeve Stripe Shirt, at M & S
Offering a timeless appeal, the soft twill finish of this pure cotton shirt provides easy to wear comfort, while the traditional cut makes it an essential part of any smart wardrobe

Floral Lace Footsies, at Marks and Spencer
These soft floral lace footsies are designed to hide inside your shoes for extra comfort

Classic Collection Linen Look Trousers, at Marks & Spensers
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

Cotton Rich Bootlleg Jeans, at Mark's & Spencer
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

2 Classic Stripe Underwired Bras, at Marks & Spenser
Soft and comfortable, this pack of 2 stripe bras is great value. They're designed to give gentle support and a flattering fit

JBL Spot™ 3 Piece Powered Satellite Speakers & Subwoofer System, at Marks & Spencers
Input Impedance: >5k Ohms Signal-to-Noise Ratio: >80dB Frequency Response: 40Hz 20kHz Input Sensitivity: 400MV RMS for rated power Voltage Input: 120V AC Satellite Drivers: Two Odyssey™ transducers Satellite Power Rating: 6 Watts per satellite at 10% (THD+N) Satellite Dimensions: H9 x diam 9cm Subwoofer Drivers: One Atlas™ transducer Subwoofer Power Rating: 24 Watts at 10% (THD+N) Subwoofer Dimensions: H14 x diam 20cm Easy-to-Use Touch Controls: One touch increases or decreases the volume; one touch mutes or unmutes the system JBL Spot remembers your previous settings every time the system is powered on Compatible with a variety of multimedia devices desktops, laptops, iPod and other MP3 players, satellite radio, game consoles The powerful and efficient subwoofer provides clean, low bass 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 This product is not available for international delivery. Find out more

Autograph Luxury Pure Cotton Dobby Stripe Shirt, at Marks and Spencers
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Geneva Large 2-Seater Sofa, at Marks & Spencer
H88 x W214 x D96cm Seat H49cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam in a fibre wrap - 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 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Recycled Stain Defence™ & Stormwear™ Fashion Skirt, at Mark & Spencers
Smart and stylish, this fashionable skirt is made from polyester from 100% recycled sources. It is treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

Tinker Bell DVD, at Marks & Spensers
Rating Universal, suitable for all,

Cotton Rich Long Sleeve Velour Hooded Top, at Mark & Spensers
Fashionable and practical, this cotton rich long sleeve velour hooded top features a drawstring and front pockets

Autograph Orange Infusion Sticks, at Marks n Spencer
Glass container Long lasting infusion sticks Orange fragrance Presented in a box, Manufacturer: Marks & Spencer

Lichfield 3-Drawer Chest, at Marks & Spencer
H60 x W50 x D50cm (H23.4 x W19.5 x D19.5in) 3 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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. SAVE ON SETS Save at least 25% when you buy this chest as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Weekend Wool Blend Scoop Neck Top, at Marks & Spensers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

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.