Besides Mark's & Spencer Car Insurance, M+S Money Credit Cards and other financial products, M+S 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 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 and Spencers purchases are also protected while you take them home.

Also, on both M+S 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 Mark & Spencers are so useful. M+S Money financial products are, of course, designed to make Marks and Spenser 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 M+S 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 M+S 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 M+S Money. Not least of these is Mark & Spencers 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 & Spencer, 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 Money, you get more, and you pay less.

Silver Plated Catseye Teardrop Necklace, at Marks and Spencer
Catseye pendant Adjustable length Clasp fastening

All Whites Welcome Mix - Case of 12, at M+S
2 Pinot Grigio Trentino 2008: A delightful example of Pinot Grigio from the cool foothills of Trentino in northern Italy... 2 Spinsanti Chardonnay 2008: An elegant and refreshing, lightly oaked Chardonnay from the Mendoza region of Argentina... 4 Domaine de L'Arbre Blanc 2008: A deliciously fruity Mediterranean white from the sunny South of France... 4 Aldea White 2008: This fruity, unoaked white wine is bursting with flavours of pineapple, apricot and aromatic herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Footglove™ Wide Fit Leather Square Toe Loafers, at M&S
Square toe Stitch detail Slip-on Flat sole Wide fit Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Limited Stripe Hat & Scarf Set, at Marks and Spencers
Fashionable and cosy, this hat and scarf set is perfect for chilly days

Disney's Winnie the Pooh - My First Little Library, at M+S
These little books are the perfect introduction to first words, numbers, shapes and colours. When children have finished reading the books, they can flip them over and put together the delightful puzzle picture of their favourite Winnie the Pooh characters!

Portfolio Pure Linen 3/4 Sleeve Blouse, at Marks & Spencers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Natural Beauty Body Scrub, at Marks and Spencers
200ml Naturally fragranced

Portfolio Scoop Neck Jersey Top, at Marks & Spensers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Silver Tree Shiraz 2007 - Case of 6, at Mark & Spencers
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

2 Floral Embroidered Bras, at Marks and Spenser
Soft and comfortable, this pack of 2 floral embroidered bras is great value. They're designed to give gentle support and a flattering fit

Mother's Day Painterly Floral Large Gift Bag, at Marks n Spencer
Contains: 1 gift bag H350 x W270 (at narrowest point) x D120mm

Older Girls' Pleat Baker Boy Hat, at Mark's & Spencer
Fashionable and fabulous, this pleat baker boy hat makes a stylish finishing touch

Autograph Pure Wool Multi Stripe Trousers, at Marks and Spencers
Fashionable and contemporary, these stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Burgundy Pair - Case of 6, at MarksandSpencer
3 Bourgogne Chardonnay 2007: A fresh and fruity well-balanced white Burgundy, with delicious flavours of citrus fruit and apricot... 3 Bourgogne Pinot Noir 2007: A temptingly smooth and fruity red wine from Burgundy. It has a lively aroma, fresh flavours of strawberries, raspberries and plums... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sony Cyber-shot™ DSC-W270S Digital Camera, at M+S
Pixels: 12.1 Megapixels Zoom: optical x 5, digital x 10 (aprrox), Carl Zeiss Vario-Tessar lens with 28mm wide angle for panoramic landscapes and large group shots Screen: 2.7-inch (230K dot) Clear Photo LCD plus screen with wide viewing angle ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: W97.6 x H56.6 x L22.6mm Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Enhanced Smile Shutter Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light HD Output HD output to view video and still images on HD TV (requires optional cable). PhotoTV HD enhances still image viewing on compatible BRAVIA TV BIONZ processor BIONZ processor for enhanced image quality, reduced image noise and fast shooting response HD Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV Free 2 year guarantee 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

Ultimate Fishnet Tights, at Marks & Spencer
The ultimate in stylish design, these fishnet tights have added stretch so they'll always keep in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Pure Cotton Long Sleeve Stripe Rugby Top, at Marks and Spencer
A neat smart-casual look, this comfortable cotton rugby top features a stripe design. Fashionable, practical and easycare

Per Una Cotton Rich Roma Bootleg Jeans with Belt, at Marks and Spencer
Includes belt shown A fashionable pair of bootleg trousers in stretch cotton featuring a snake effect belt

Bare Cooling Shine Tights, at Marks & Spencers
Never lose your cool again in warmer weather with our Bare Cooling tights. Crafted from a revolutionary Japanese yarn, their incredibly lightweight design releases a cooling sensation to your legs as you wear them

5 Plain Thongs, at M&S
These comfy thongs merge a plain design with the shape retaining benefits of added stretch for a lasting and wonderfully flattering fit. Ideal for wearing under a host of skirt, dress and trouser styles

Pure Cotton Spot Print Pyjama Bottoms, at M+S
Fashionable and practical, these spot print pyjamas are made from soft breathable cotton for a comfortable night's sleep

Large Laser Cut Sister Birthday Card, at M+S
Cover text: To my special Sister Inside message: Wishing you a very happy birthday Approx size: unfolded: 220 x 220mm

Pure Cotton Short Sleeve Pocket Top, at Marks & Spencers
This short sleeved top will make a useful addition to your wardrobe. It features a classic collar for a stylish casual look

125 Years Pure Cotton Long Sleeve Marl Stripe Shirt, at Marks & Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Portfolio Long Sleeve Belted Jacket, at M+S
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Cotton Rich Contrast Stitch Bootleg Jeans, at Mark & Spencers
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Hard-Top Divan with 4 Large Drawers & M200 Mattress, at Marks & Spensers
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 24cm Divan height: 41cm Anti-allergy - provides effective protection against dust mite allergies, so you'll have a trouble free sleep 4 large drawers Divan drawer size: H14 x W78 x D52cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Yalumba Australian Shiraz 2008 - Case of 12, at Marks and Spencer
Style: Full bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 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

3 Fold Countryside Scene Mother's Day Card, at Marks & Spencer
Cover text: Special thoughts for a lovely Mum on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 178 x 126mm

Autograph Art Deco Jewellery Box, at MarksandSpencer
Art deco design 4 drawers Mirror finish Internal compartments 35 x 25 x 16cm

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 Buildings 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 Buildings 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.