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

Also, on both M+S 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.

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 and Spencer 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 Mark & Spencers, through its M+S 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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

Star Print Dome Umbrella, at Marks n Spencer
This stylish umbrella features a wide canopy for extra protection from the elements, keeping you drier

Two Tone Spot Print Belted Skirt, at Marks & Spenser
Pretty and feminine, this cotton blend skirt is designed for a shapely silhouette. A smart modern look

Autograph Pure Cotton Slim Fit Plain Poplin Shirt, at Marks & Spencers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Pure Linen Short Sleeve Shirt, at Marks and Spencer
Comfortable and versatile, this pure linen short sleeve shirt is a classic style, perfect for warm days

Ring Trim Hipster Bikini Bottoms, at Marks & Spencer
Pretty and feminine, these flattering bikini bottoms are designed in the latest shape. The ultimate in poolside glamour

Autograph Multi Layer Necklace, at M & S
Adjustable length Satin ribbon fastening Mixed bead design Multi layer Necklace length 41cm, extendable by 8cm

Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spensers
Smart and stylish, this bold stripe shirt is made from pure cotton

Sweet Bergamot Pot Pourri Bag, at Marks and Spenser
Sweet bergamot fragrance, Manufacturer: Marks & Spencer

Rochaille Twist Earrings, at Marks and Spencer
Cluster rochaille bead design Twist style Clip on

Pure Cotton Floral Print Mock Layer Top, at Marks & Spensers
Mock layer design makes this soft cotton top fabulously fashionable

Marqués Del Costal 2004 - Case of 6, at Marks & Spensers
Style: Full bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Pure Cotton Long Sleeve Matinee Cardigan, at Marks & Spenser
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too!

Traditional Round Wall Clock, at Marks & Spenser
Traditional design Round face Roman numerals Dimensions: H32 x W32 x D8cm Slogan: Helping to preserve England's endangered species of Flora & Fauna, Manufacturer: Marks & Spencer

Andante Square Dinner Plate, at Marks & Spenser
Ideal for everyday use, durable Square edge design Plain, Manufacturer: Marks & Spencer

Pointelle Thermal Crochet Trim Vest, at Marks and Spenser
Indulge in soft, warm comfort with this thermal easy to wear knitted vest. Perfect for adding a snug extra layer to your outfits during the winter months

Holiday Puzzle Book, at Marks n Spencer
Whether you are relaxing on the beach, or travelling to your tropical getaway, this brand new collection of puzzles will put your solving skills to the test. Inside you will find crosswords, wordsearches, sudoku, word and number puzzles, plus many other both new and familiar puzzles to challenge and entertain you

Formula Calming Extra Dry Skin Cream & Vitamin E, at Marks and Spencer
Contains camomile and vitamin E Especially formulated for extra dry/sensitive skin Hypoallergenic 50ml

Grace Pasta Bowl, at Marks & Spensers
23.5cm diameter Leaf design Fine China, Manufacturer: Marks & Spencer

Autograph Eye Pencil, at Marks n Spencer
Ophthalmologically tested Hypoallergenic

Easy Tapas Recipe Book, at M&S
Be the best at cooking the tastiest tapas! Making tapas has never been easier. Learn to love the wonderful array of flavours that these recipes offer - they are all very easy to make and so allow you to spend more time having fun with friends or family rather than slaving away in the kitchen. Not only will the diversity of tapas take you by surprise, the fantastic taste of these wonderful morsels will leave you wanting more. So go on, tuck in to these divine little bites!

Stainless Steel Stockpot, at Marks & Spencer
Glass lid Riveted handles 7-litre capacity Diameter 18.5cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Thomas & Friends© T-Shirt, at Marks & Spencer
Fans of Thomas & Friends will love this cotton t-shirt featuring Thomas. A practical, easycare style

Limited Collection Full Length Leggings, at M&S
Part of our fashionable and trend-led Limited Collection, these leggings will see you through the season in style

A Friend Like You Book, at MarksandSpencer
Panda and Monkey are going on a special journey up into the mountains. Monkey is so excited about the beautiful surprise ahead, he just can't wait for Panda! 'Let's get going, Panda-plod!' he cries impatiently and rushes off. But soon Monkey finds he needs his friend much more than he though

Autograph Light Control High Leg Briefs with Silk, at Marks & Spencer
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

M&S Dual Deck Laminator, at Mark's & Spencer
Features: Jam release button, document exit support trays at both ends, LED indicators for power on and ready to use Size: Will laminate paper up to A4 size Power: 220-240V ac 50/60Hz 370W, 1.8A Lamination speed: Approx 230mm/minute Pouch thickness range: 80-125 microns (A4) Ready time: 4-8 minutes Number of rollers: 3 Dimensions: 34 x 12 x 10.5cm Weight: 2.24kg 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

Double Breasted Chunky Knit Cardigan, at Mark's & Spencer
Modern and stylish, this cardigan is a great work-to-evening style.

PlayStation® 2 Ben 10: Protector Of Earth, at Marks and Spencer
Take control of the Omnitrix and play as 5 different alien heroes from the show, including Four Arms, Heatblast, Cannonbolt, Wildvine and XLR8 Collect experience points to upgrade your characters and unlock over 80 combo moves Venture to 14 different levels and unlock 4 challenge locations Challenge your friends in battle mode or play together in 2-player co-op mode Unlock additional content including character skins, show clips and never-before-seen concept art 2007 Sony Computer Entertainment Europe This product is not available for international delivery. Find out more 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, ESRB Rating: Kids to Adults

Portfolio Wrap Tie Cardigan, at Marks and Spencer
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

Girlie Dress Up Drawstring Bag, at Marks and Spencer
This folding drawstring bag is a brilliant addition to any school kit. Keep it folded up in its pouch inside a school bag and unfold when you need to carry extra kit such as homework, library book or games kit. The drawstrings feature special safety catches which snap apart under pressure

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencer 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 Marks & Spencers Money, you get more, and you pay less.