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

Also, on both Marks & Spencer Money Premier Buildings Insurance and Standard Buildings 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 and Spencers are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks and 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 Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Mark & Spensers Standard Car Insurance. With Marks & Spencer 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 Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M & S, 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.

Kaituna Hills Merlot Cabernet 2007 - Case of 12, at MarksandSpencer
Style: Medium bodied Grape variety: Merlot and Cabernet Sauvignon Country of origin: New Zealand Closure: Screw cap 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

Tulsa Armchair, at Marks & Spenser
H96 x W103 x D98cm Seat H50cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 dark finish All of our fabrics are treated with Stain-Defence& trade; - 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

Pirque Estate Sauvignon Blanc 2007 - Case of 12, at Marks and Spencers
Style: Dry, medium bodied Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Natural cork 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

3 Authentic Woven Pure Cotton Boxers, at Marks and Spenser
Add colour to your underwear drawer with these comfy assorted check and stripe design boxers

Per Una Pure Cotton Stripe A-Line Skirt, at M+S
A colourful knee length skirt in pure soft cotton with a stripe design making it extra stylish

Côtes du Ventoux St Gabriel 2006 - Case of 12, at Marks and Spencers
Style: Dry, medium bodied Grape variety: Carignan, Grenache, Syrah Country of origin: France Closure: Natural cork 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

Sophisticated Outfits Wedding Card, at MarksandSpencer
Cover text: Mr & Mrs Inside message: Congratulations Approx. size: 174 x 125mm

Sonoma Dark 3-Drawer Bedside Chest, at Marks and Spencers
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

Autograph Pure Cotton V-Neck Cardigan, at MarksandSpencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Large Pillar Candle, at Marks & Spencer
Pillar shape Single wick Non fragranced Plain, Manufacturer: Marks & Spencer

Straight Leg Stitched Jeans, at Mark's & Spencer
Smark and stylish, these tailored trousers are cut to fit and flatter for a sleek modern look. A practical and fashionable look for casual or smart occasions

Vanilla Scented Pillow, at Marks and Spencer
Vanilla scented Rectangle shape, Manufacturer: Marks & Spencer

Ruby Cereal Bowl - Black, at M & S
Deep dish Plain centre Stripe edge Diam 16cm Fine china, Manufacturer: Marks & Spencer

M&S 42'' Full HD LCD TV, at Marks and Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 42 inch flat screen, 1920 x 1080 pixels Contrast Ratio: Dynamic Contrast Ratio 10000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H72.5 x W102.5 x D33cm Sound: Nicam stereo Connectors: 3 HDMI, 2 Scart 24fps: Shows images at 24 frames per second - just like a real cinema screen Use wall mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Sprung-Edge Non-Storage Divan & M400 Mattress, at Marks and Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 24cm Mattress Spring Count: 1054 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Halterneck Centre Ring Bikini Top, at Marks and Spencers
Modern and stylish, this flattering bikini is designed in the latest shape. Make a splash!

Miele Cat & Dog TT5000 Cylinder Vacuum Cleaner, at Marks and Spencers
2200 watts 4.5 litre dust bag capacity 10 metre operating radius Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability 6 variable power settings - 300-2200W Turbobrush STB 205-3 - Perfect for picking up pet hair from carpets Supplied with a Active Air Clean filter, combines the super Air clean filter with an active charcoal cassette to absorb odours. Ideal for pets owners HEPA 12 certification for complete vacuum cleaner - According to the European Standard EN 1822. Discharged Air is cleaner than the ambient room air (when used with HEPA filter) Bumper strip to protect vacuum cleaner and your furniture Mini Turbobrush STB 101 - Ideal for vacuuming stairs and removing pet hair from upholstery Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Dust bag change indicator - Signals when the dustbag needs to be replaced Comes with 2 HyClean dustbags - The new HyClean dustbag sets new standards in filtration, dust-absorption, hygiene and safety Six Step Rotary Dial - To adjust the suction power for different floorings Silence setting - Ideal combination of low noise level and cleaning performance Recommended for Loop Pile carpet, Deep Cut Pile carpet and furniture Dimensions: L45cm Weight: 7.7kg 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 , Manufacturer: Marks & Spencer

5 Cotton Rich Leopard Print Bikini Knickers, at Marks and Spencer
These leopard print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Pots and Containers Book, at Marks and Spencers
A beautiful range of 5 gardening titles, full of inspiring ideas and tips both for the novice and more experienced gardener. From pots and small backyards to larger gardens, feel confident in choosing the right flowers and shrubs for the right place all year round! Packed full of wonderful colour photography, these books will prepare and motivate you to garden

Per Una Lip Colour, at Marks & Spencers
Moisturising Hypoallergenic

Per Una Roma Wide Leg Trousers, at Mark & Spencers
A smart pair of wide leg trousers in a soft stretch fabric featuring jet pockets and self fabric buttons

Rococo Style Mirror (8 x 10''), at M&S
Rococo design Dimensions: 20.3 x 25.4cm (8 x 10'') Wall mounted or stand-alone, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Check Shirt, at Marks and Spenser
Casual and contemporary, this long sleeve shirt is made from pure soft cotton. The open neck Nehru collar adds a fashionable finishing touch

North Coast Pure Cotton Cargo Shorts, at Marks & Spenser
Relaxed and casual, these fashionable shorts are made from comfortable cotton and feature characteristic cargo style pockets

1.7L Cordless Zebra Kettle, at Marks and Spencer
1.7 litre capacity 1850 - 2200W Black and white finish Anti-slip base with cord storage Water window and contrasting on/off switch Concealed element for fast boiling and easy cleaning Removable washable limescale filter 2 year guarantee

Ponticello, Pinot Grigio di Sicilia 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Pinot Grigio Country of origin: Italy Closure: Synthetic closure Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Single Breasted 3 Button Crop Jacket, at M & S
Update your look with this fashionable crop jacket. A contemporary style that will bring a fresh twist to smart and casual looks

Seville Salt Mill, at Marks and Spencers
Acylic and brushed chrome design Fitted with a durable mechanism Fully adjustable mechanism from fine to coarse grinds just tighten or loosen the knob Lifetime guarantee Comes filled with Salt Approx size: L5.5 x W5.5 x H14cm, Manufacturer: Marks & Spencer

Per Una Frill Wedge Court Shoes, at Marks & Spencers
Almond toe Frill design Slip on Wedge heel

Textured Disco Circle Necklace, at Marks and Spenser
Circle pendant Hammered effect Rope necklace

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spenser once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.