Besides Marks & Spenser Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Home 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 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 Premier Home Insurance and Standard Home 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 & Spencers are so useful. M+S Money financial products are, of course, designed to make Marks n 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

M+S Money 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 Home 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 Home 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Floral Print Gathered Waist Dress, at M&S
Chic and contemporary, this gathered waist dress features a floral print and tie bow fastening. A fabulous fashionable look

10 Dinner Candles, at Marks and Spencer
Pack of 10 Plain Up to 4 hours burning time H24 x Diam 2cm, Manufacturer: Marks & Spencer

Petite Long Sleeve Shirt Dress, at Marks n Spencer
Shirt dresses are a hot trend this season, making this long sleeve dress the perfect way to get the look. Open neck collar adds a stylish finishing touch. Specially designed and perfectly proportioned for the petite frame

Signature Natural Cotton Infusion Sticks, at Marks and Spenser
Scented infusion sticks Fragrance lasts upto 8 weeks Glass holder included, Manufacturer: Marks & Spencer

Blue Harbour Pure Lambswool Argyle Jumper, at Marks and Spencer
An extremely comfortable jumper. It's made from extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Cotton Rich Stab Stitch Check Pyjama Bottoms, at M+S
Pretty and feminine, these full length check pyjama bottoms are made from soft cotton rich fabric for a comfortable night's sleep

Long Sleeve Multiple Print Hooded Jumper, at Marks & Spenser
Fashionable and contemporary, this hooded jumper features a multiple print detail. A pretty, practical and easycare style

Garlic Crusher, at Marks and Spencer
Plain, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Highlight Stripe Polo shirt, at Marks & Spencers
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Grazia - Magazine Gift Subscription, at Marks & Spencer
Grazia is a fabulous mix of front-page stories, stunning designer fashion, fabulous shopping and more

3 Pure Cotton Bold Stripe Tea Towels, at Marks & Spencer
Pack of 3 Bold stripe design Plain trim, Manufacturer: Marks & Spencer

Uva Mira Merlot Cabernet Sauvignon 2005 - Case of 6, at Marks and Spencer
Style: Medium Dry Grape variety: 52% Merlot, 48% Cabernet Sauvignon Country of origin: South Africa Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 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

Autograph Essentials Rose Embroidered High Leg Knickers, at Marks and Spencer
Stunningly stylish these flattering briefs feature a feminine embroidered rose design. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Embroidered Bouquet Wedding Card, at Marks & Spenser
Cover text: Wedding Day Inside message: With love Approx size: Unfolded: 178 x 126mm

Blue Harbour Pure Linen Drawstring Trousers, at Marks & Spencer
A stylish smart casual look, these wide leg trousers are made from cool linen and designed for a fashionable and comfortable relaxed fit

La Source Chablis 2006 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Flat Front Crease Resistant Trousers, at Marks and Spencer
Stay smarter for longer with these innovative crease resistant trousers.

Ashbourne Armchair, at Marks & Spencer
H99 x W114 x D104cm Seat H49cm, arm H65, top back rail H75cm 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 seat cushions 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 dark 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

Sonoma Dark 3-Drawer Bedside Chest, at Mark's & Spencer
H60 x W45 x D45cm 3 drawers Made from solid oak and oak veneer 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 Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer 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 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

Perfect Silver-Plated Photoframe 10 x 15cm (4 x 6''), at Mark's & Spencer
Rectangular shape Double mount Removeable mount card Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

40 Denier Silky Soft Opaque Tights, at Marks & Spensers
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

Autograph Short Sleeve Dobby Stripe Shirt, at Marks and Spencers
Casual and contemporary, this stripe shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Crow's Fountain Chenin Blanc 2008 - Case of 12, at M+S
Style: Dry Grape variety: Chenin Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Silver Plated Pave Ball Ring, at Marks & Spencer
Large ball design

Graphic Leaf Print Bedset, at Marks&Spencer
Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Toulouse 2-Door Large Glazed Dresser, at Marks & Spensers
H112 x W173cm x D43.5 2 Toughened glass sliding doors 4 Adjustable shelves Sits on sideboard (sold separately) Light, natural matt lacquer with protective finish This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Duck Down Pillow, at Marks and Spencers
Pure duck down 230 thread count and 100% cotton downproof cover Light and natural filling W48cm x L76cm, Manufacturer: Marks & Spencer

Travel Floral Jewellery Roll, at Marks and Spencer
Floral design Bow feature Riptape and zip fastening Multiple pockets

Kitchen Butchers Block, at Marks & Spencers
H90 x W55 x D60cm 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

2 Limited Collaction Cotton Rich Spot & Plain Shorts, at Marks & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

There are lots of ways to save money using M+S Money. Not least of these is Marks and Spenser Standard Car Insurance. With M+S Money 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, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & 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 Finance, you get more, and you pay less.