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

Also, on both Marks & Spencer 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.

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

Marks & Spencer Money 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 Marks & Spencer Money 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 Spencer 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 Tescos 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Maternity Ruched Hipster Bikini Bottoms, at Marks and Spencer
Smart and stylish, these ruched bikini bottoms are designed to flatter you and your bump. Added stretch and a clever cut gives a neat, comfortable fit with room for growth. A fashionable, functional choice

Fragranced Pot Pourri Bag, at M & S
Add a fresh aroma to any room in the home with the fruit fragrance of this wonderful pot pourri

Autograph Essentials Cowl Neck Top, at Marks and Spencer
Sophisticated and modern, this cowl neck top is beautifully designed and cut to flatter for the best in contemporary style

Dendrobium Nobilis Orchid, at Marks and Spencers
Internet Exclusive Taken from the latin word nobilis, meaning noble or grand, this impressive orchid really does live up to its name and comes planted in a beautiful, classic white pot. Available for delivery until 30th September 2009

Urbino Armchair, at Mark & Spensers
H92 x W100 x D102cm Seat H48cm, arm H67cm, top back rail H77cm (all dimensions are approximate) 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 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

Classic Duckling New Baby Card, at Marks and Spencer
Covert text: New baby...These little friends went out one day, over the hills and far away... Inside message: Congratulations on your new bundle of joy Approx size: 150 x 150mm

Valmont White 2008 - Case of 12, at Marks & Spensers
Style: Dry Grape variety: 50% Vermentino, 30% Chenin Blanc and 20% Sauvignon Blanc Country of origin: France Closure: Screw cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Linen Flat Cap, at Marks & Spenser
A traditional British classic, this is a versatile style that looks great worn smart or casual

Patent Cushion, at Marks and Spenser
Rectangular shape Patent effect L40 x W30cm, Manufacturer: Marks & Spencer

Le Cortiglie Falanghina 2007 - Case of 12, at Marks & Spencers
Style: Full bodied Grape variety: Falanghina, 10% Trebbiano di Soave Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 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

Harvard Moisturising Aftershave, at Marks & Spenser
Alcohol free 100ml Smooth sparingly over your face and neck, after washing and shaving Avoid contact with the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

Girlie Dress Up Jotter Box, at Marks&Spencer
Contains: 1 jotter box and 1 pad of notepaper H11.3 x W11.2 x D9cm

Weekend Leather Curvy Overnight Bag, at Marks and Spencers
Recommended in Guardian Weekend Curvy and colourful, this weekend bag is a must-have for stylish overnight stays and mini breaks. Real leather gives an irresistibly luxe look and feel

Younger Girls' Buckle Pull-On Boots, at Marks & Spensers
Round toe Pleat design Buckle detail Pull-on Block heel

Exfoliating Facial Cloth, at Mark & Spencers
Helps promote healthy, glowing and radiant skin High absorbancy Hypoallergenic

Collezione Leather Hip Wallet, at Marks and Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Limited Collection Bow Clutch Bag, at Marks and Spencer
Fashionable and fabulous, this bow clutch bag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

Ruched Floral Bedcover, at Marks & Spencer
Floral design Ruched finish Stitched detail, Manufacturer: Marks & Spencer

Per Una Embroidered Lightweight Jersey Skirt, at Marks & Spencer
A beautiful full length jersey skirt in soft stretch fabric featuring an embroidered detail

Pocket Pilates Book, at Mark & Spensers
A guide to improving body tone, flexibility and strength

Lightweight Dressing Gown, at Marks & Spenser
Soft and comfortable, this cotton blend dressing gown makes the perfect lightweight cover up

Portfolio Reversible Leather Belt, at Mark's & Spencer
Define your waistline with this fashionable leather belt

Crease Resistant Single Pleat Straight Leg Trousers, at Marks & Spencer
Stay smarter for longer with these innovative crease resistant trousers

Per Una Pure Cotton 4 Button Corduroy Jacket with Scarf, at Marks & Spencer
A fashionable single breasted corduroy jacket in pure soft cotton. Block stripe jersey scarf makes it extra stylish

Pure Cotton Pleated Floral Skirt, at Marks & Spencer
Casual and contemporary, this pure cotton skirt features a pleated front detail Stylish, practical and fashionable

2 Pure Cotton Tulip Motif Towels, at Marks and Spenser
Pack of 2 Tulip motif Plain W40 x L60cm, Manufacturer: Marks & Spencer

Meccano Road Monsters Construction Set, at Marks and Spencers
Suitable for ages 3+ Imaginative play 4 fun models to build and play with Over 95 parts Tools included This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Lavender Refresher & Burner Oil, at Marks and Spencer
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Long Sleeve Open Front Cardigan, at Marks and Spencers
This casual open front cardigan makes the perfect light extra layer. It features pintuck detailing for an extra stylish touch

Pure Cotton Embroidered Owl Booties, at Marks and Spencer
Cute and comfy, these practical booties feature an embroidered owl design. A soft stretchy cuff keeps them on securely

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 Mark's & Spencer are so useful. Marks & Spencer Money 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, 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 Marks & Spencer 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 Marks & Spencer Money Home Insurance than you will anywhere else, and you may even pay less with M&S.