Besides Mark & Spensers Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance 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 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 Spenser purchases are also protected while you take them home.

Also, on both M&S Finance 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.

There are lots of ways to save money using M&S Finance. Not least of these is Marks and Spencers Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor 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 Motor Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spenser, 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 Motor Insurance from M&S Money, you get more, and you pay less.

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 and Spencer are so useful. M&S Finance financial products are, of course, designed to make M+S 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 Finance 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 Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.

Portfolio Mixed Bead Multi Strand Necklace, at Marks&Spencer
Clasp fastening Assorted beads Multi-strand design Chain necklace Adjustable length Necklace length: 41cm extendable by: 8cm

Short Sleeve Pointelle Knitted Jumper Dress, at Marks n Spencer
Fashionable and flattering, this knitted jumper dress features pointelle design. A glamorous modern look

Oscar Wardrobe, at Marks & Spencer
H180 x W96 x D55cm 1 drawer Hanging rail and 2 shelves Delivered flatpack due to size 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

M&S Nevada 3 Man Tent, at Marks & Spencers
2 - 3 man tent Suitable for year round use Easy to setup Taped seams Weather protected porch for storage or cooking Ventilated outer flysheet 3 inner tent pockets Zip fastening Mesh door Made from fire retardant materials Water repellent: 3000 hydrostic head 7.9mm fibre glass poles Breathable inner tent Dimensions of sleeping area: H120 x W205 x L205cm Storage area: 1.24m sq Carry case

Blossom Tree Embroidered Quilt, at Marks & Spencer
L150 x W200cm Quilted Embroidered blossom tree design, Manufacturer: Marks & Spencer

Silver Tree Shiraz 2007 - Case of 6, at M&S
Style: Full bodied Grape variety: Shiraz Country of origin: South Africa Closure: Natural Cork Suitable for vegans Bottle: 6 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

Autograph Essentials Star Print Blouse, at Mark's & Spencer
This fab short sleeve blouse features a stunning star print. A sophisticated new look, perfect for this season

Ultrafit Plain Sports Top, at Marks and Spencers
This innovative Ultra Fit Sport top keeps you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

Global Traveller Medium Rollercase, at M&S
Free 5 year guarantee Make transporting your belongings a hassle-free experience with the super lightweight and durable design of this hardwearing rollercase

Girls' Fashion Schoolwear - 2 Pure Cotton Short Puff Sleeve Blouses, at Marks & Spensers
This 2-pack of short puff sleeve blouses makes a practical and fashionable choice for school. Hardwearing and easycare

Limited Collection Cotton Rich Stripe Bra, at Marks and Spencer
Fun and fabulous, this cotton rich t-shirt bra is part of our Limited Collection lingerie. It's perfectly smooth so you won't get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

3/4 Sleeve Abstract Print Tunic Top, at Mark & Spencers
Smart and stylish, this abstract print tunic top is made from softly draping stretch viscose for a fluid look. Pintuck front detail adds a fashionable finishing touch

Per Una Ribbon Stripe Scarf with Wool, at Marks & Spenser
This sophisticated ribbon stripe scarf is the perfect accessory to this season's fashions. Tassel trim adds a stylish finishing touch.

Girls' Limited Pure Cotton Short Sleeve Slogan T-Shirt, at Marks n Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Blue Harbour Zip Fastening Fleece Jacket, at Marks and Spencer
Relaxed and cosy, this fleece makes a warm and comfortable extra layer

Metallic Floral Medium Gift Bag, at Marks & Spencer
Ribbon handles Metallic gift tag 1 gift bag Approx size: H260 x W200 x D90mm

Collezione Pure Wool Flat Front Woven Trousers, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

PlayStation®3 Little Big Planet Game, at Marks & Spencer
Community-based game in which players meet on a planet scattered with individual plots Design, shape, and build both objects and entire locations for others to view and play Full of places to discover, creative resources to collect, and puzzles to solve Explore the massive single-player game or go online to find user-generated content Customizable characters, landscape, and more; online and offline multiplayer modes 2007 Sony Computer Entertainment Europe 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Everyone

Criss Cross Body Shaper Tights, at Marks and Spenser
Look your best in that special outfit! These diamond design bodyshaper tights lift and shape your curves to give a more defined silhouette.

Tab Button Vest Top, at Marks and Spencer
This fab sleeveless top features a stunning tab button detail. A sophisticated new look, perfect for this season

4 Linen Mugs - Sage, at Marks & Spencer
Set of 4 H 11cm Linen floral print, Manufacturer: Marks & Spencer

Cotton Rich Zip Fastening Chunky Stripe Cardigan, at Marks & Spencers
Contemporary and casual, this stripe zip up cardigan is made from a soft cotton rich fabric. Stylish, practical and fashionable

Easy Vegetarian Baking, at Marks and Spencer
Perfect too cook up after a hard day at work, these easy bake vegetarian recipes are not only simple and quick, but they're fresh, delicious and healthy. There are meals for on-the-move, chill-out sessions and snacks for you to enjoy

Unforgettable Places to See Before You Die Book, at Mark's & Spencer
Although there are plenty of tips for travellers, this is not a travel guide, and is certainly not definitive, but it will introduce you to a host of spectacular locations, all of which can be visited in a holiday of two weeks or less. Beautifully illustrated throughout with specially commissioned photographs, this is a book that will inspire you to think beyond the walls of your room and take time out to visit some of the world's truly unforgettable places

Airflex™ Comfort Leather Side Stripe Trainers, at Marks & Spencer
Round toe Lace-up Stitch detail Side stripe feature 6 eyelets Unique Airflex™ airflow system for unbeatable comfort Available in half sizes

Autograph Pure Cotton Short Sleeve Dash Print Shirt, at Mark's & Spencer
Stylish and contemporary, this pure cotton short sleeve shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Classic Ceramic Double Robe Hook, at Marks & Spencer
Double hook Stainless steel H6.5 x W8 x D9cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3D Floral Cushion, at Marks & Spencers
Square shape 3D floral design Felted fabric Luxury feather inner Size: 43cm x 43cm, Manufacturer: Marks & Spencer

Global Traveller Small Trolley Bag, at M&S
Free 5 year guarantee Make transporting your belongings a hassle-free experience with the super lightweight and durable design of this hardwearing trolley bag

Antigua Love Seat, at M+S
H97 x W125 x D98cm Seat H50cm, arm H63cm, top back rail H79cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 Cushion covers are removable on this range Frame made from solid hardwood wrapped with banana fibre. 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 Wooden feet wrapped with rattan 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

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 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 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.