Besides Marks & Spenser Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Buildings & Contents 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 and Spenser purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Buildings & Contents Insurance and Standard Buildings & Contents 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 Money Direct. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Money Direct 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 Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from M&S Finance, 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 Mark's & Spencer are so useful. M&S Money Direct 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Machine Washable Multi Stripe Tie, at Marks and Spencer
No more trips to the drycleaners! This contemporary spot print tie is machine washable

5 Pairs of Younger Girls' Assorted Design Socks, at Marks and Spencers
Stock up on stylish essentials with this pack of 5 heart and stripe argyle socks

Yellow Car Good Luck Card, at Marks & Spencer
Cover text: Good luck Inside message: Best of wishes and luck now and always This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Younger Girls' Dora The Explorer Lunch Box, at MarksandSpencer
Cute and fun, girls will love this Dora the explorer lunch box. An ideal gift

Detachable Clear Bra Straps, at M&S
These clear straps attach to our multiway bras to give you a more discreet option

2 GG-J Plain Underwired Bras, at Mark's & Spencer
Soft and comfortable, this pack of 2 plain bras is great value. They're designed to give gentle support and a flattering fit

In Bloom Orchid & Vanilla Hand & Body Creme, at Marks and Spencer
Orchid and vanilla fragrance Softens the skin 200ml

Cascabel Tempranillo Graciano 2006 - Case of 6, at Marks & Spencers
Style: Dry, medium bodied Grape variety: Tempranillo, Graciano Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Cap Sleeve Stripe Top, at Marks and Spencer
A fashionable mandarian collar top. Curved neckline gives it Per Una touch

Bold Maxi Sunglasses, at Marks & Spensers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Autograph Pure Cotton Damask Duvet Cover, at Marks & Spencers
Damask design Comes in single, double, kingsize and super-kingsize, Manufacturer: Marks & Spencer

Blue Harbour Real Cool & Fresh Pure Cotton Short Sleeve T-Shirt, at Marks & Spencer
Stay cool this summer with this innovative t-shirt. It's made from natural cotton with moisture absorbing technology. The fabric draws moisture away from your skin for rapid evaporation, leaving you fresh and dry

Autograph Leather Round Toe Zebra Print Pumps, at Mark & Spensers
Round toe Zebra print Slip-on Low heel Heel height: 15mm Comes in sizes 3-8, including half sizes

Tiga Leather Chair, at Marks & Spencer
H87 x W47 x D59cm Seat: H43cm Single chair Made from solid sheesham with leather seat Finished with a protective matt lacquer for added durability Made from solid wood for strength Legs made from solid wood 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Earth Spa Bath & Body Rescue Oil, at M & S
With ingredients from around the globe to restore, replenish and pamper Perfect in the bath, on the body, or in the hair 100ml

Linen Blend Short Sleeve Stripe Shirt, at Marks and Spencers
Fashionable and versatile, this linen blend short sleeve shirt is ideal for smart casual dressing and looks great layered over a t-shirt

125 Years Fruit Jellies Mug, at Marks & Spencers
Fruit jelly design 'Marks & Spencer Fruit Jellies' slogan, Manufacturer: Marks & Spencer

Portfolio Zig Zag Bangle, at Marks & Spencers
Chunky style Zig zag design

Perfect Autograph Long Sleeve Jumper, at M&S
Our cotton blend V-neck, in a range of colours, goes in the machine and the tumble dryer. You won't get through autumn without one

Petite Hooded Water Repellent Parka, at Marks and Spencers
Relaxed and stylish, the parka has become a fashion essential. This easycare version is detailed with handy side pockets and hood. Specially designed and perfectly proportioned for the petite frame

Autograph Parisian Damask Bedcover, at Marks and Spencers
Floral embroidered design, Manufacturer: Marks & Spencer

Roll & Play Toy, at Marks and Spencers
Suitable for ages 0-3 years Encourages activity and hand-eye coordination This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

PSP™ Daxter Game, at Mark's & 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

Autograph Pure New Wool Flat Front Eveningwear Trousers, at Marks and Spenser
Smart and stylish, make that special occasion even more special with our dashing range of luxurious eveningwear. Featuring classic DJs and slick suits for the ultimate in sophistication

Disney Pixie Hollow Sticker Stories, at Marks & Spencers
Discover the secrets of fairy fashions, pixie talents and magical animals in these enchanting and original tales. You can make this book extra special! Just use the beautiful fairy stickers to bring each story to life and you'll create your very own enchanting fairy tales

Stormwear™ Multi Pocket Hooded Parka, at Marks & Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves and inside pockets keep lunch money safe

Younger Boys' Cotton Rich Night Flight Pyjamas, at Mark & Spensers
Soft and comfy, these pure cotton pyjamas are outstanding value

5 Sleeveless Plain Bodysuits, at Marks and Spencers
Soft, plain and machine washable, these bodysuits are a perfect buy for your newborn

3 Pure Cotton Assorted Briefs, at Marks & Spencers
Offering superior comfort at a great value price, these classic briefs are a fantastic choice for everyday wear thanks to fuss-free easycare cotton

Castello Headboard, at Marks and Spencer
Headboard H139cm Single: W91cm Double: W137cm King-size 5ft: W152cm Super king-size 6ft: W182cm Available in black or cream Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

M&S Money Direct 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 Money Direct 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 & Spensers 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.