Besides Marks and Spencer Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property 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 Financial Services 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 M&S Financial Services Premier Property Insurance and Standard Property 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's & Spencer are so useful. M&S Financial Services 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.

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 n 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 Marks and Spencers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Matt Double Bridge Sunglasses, at Marks and Spencer
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Barrel Tumbler, at Marks & Spencer
Barrel design Tumbler style Clear glass H8.5 cm Capacity: 300ml (30cl), Manufacturer: Marks & Spencer

Country Bunch To a Special Gran Birthday Card, at Marks & Spenser
Cover text: Gran... you're so special... Inside message:... hope you have a wonderful day! Size: 215 x 150mm

Younger Girls' Dip Dye Sunglasses, at Marks and Spencer
Cute and colourful, these dip dye sunglasses will give her a touch of star style!

Pleated Slim Leg Peg Trousers, at Marks & Spensers
Slim and stylish, these peg trousers are cut to fit and flatter for a sleek modern look. Added stretch gives the perfect fit.

Dinosaur Head Torch, at Marks and Spencers
Suitable for ages 3 - 6 years Wear it on your head, backpack, arm or leg Dinosaur design Adjustable strap Imaginative play 90 x 70 x 60mm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Perfect Autograph Silk Rich Padded Pleat Bra, at Marks and Spencer
Glamorous and sophisticated, this luxurious bra is made from soft stretch silk, finished with a lace trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

Younger Boys' Pure Cotton Thomas & Friends© Pyjamas, at Marks & Spencer
A must for fans of Thomas & Friends, these pure cotton pyjamas feature the popular character Thomas the Tank Engine

Autograph Multi Stripe Long Sleeve Jumper, at MarksandSpencer
Fashionable and contemporary, this multi stripe jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Pavilion Dinner Plate, at Marks and Spenser
Round shape Platinum detail Diameter: 28cm Not suitable for use in microwaves, Manufacturer: Marks & Spencer

Plain Full Slip, at Marks and Spencer
A fashion essential you can't do without! This slip enhances the look of dresses and stops them clinging or becoming see-through under light. All our slips are cling resistant and come in a number of lengths

Pure Cotton Embroidered Hippo Sleeping Bag, at Mark & Spensers
Cosy and comforting, sleepbags make a great way to stop babies getting tangled up in covers. This padded bunny embroidered sleepbag will keep her at a comfy temperature throughout the night

Hannah Montana Wrap Pack, at Marks and Spencers
2 sheets, 2 tags Each sheet: 495 mm x 695 mm

Pure Cotton Long Sleeve Stripe Top, at Marks and Spencer
This fashionable top features a stylish button detail cuff for a fab contemporary look

5 Older Boys' Pure Cotton Plain Slips, at Marks & Spencer
An outstanding value 5 pack of slips in natural breathable cotton

2 Tiga Leather Dining Chairs, at Marks and Spenser
H87 x W47 x D59cm Seat: H43cm Sold as a pair Made from solid sheesham with a leather seat Treated with a protective low-sheen lacquer that provides 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

Block Builders Game, at Marks & Spenser
Number of players: 2 Suitable for age 8+ Pack contains: Double-sided playing board, spinner, 72 playing pieces, score pad, pencil and instructions Approx. size of playing board: 120 x 160mm This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Chain Detail Hand Bag, at Marks&Spencer
Stylish and useful, this bag features chain detail handle. A practical and fashionable accessory

4 Dahlia Print Placemats, at Marks and Spencers
Pack of 4 Dahlia print Curved edges Rectangle shape, Manufacturer: Marks & Spencer

Antique Brass Collection Side Table, at Marks and Spencers
H51 x W50 x D41cm Made from antique-effect solid brass tubing Legs made from antique-effect solid brass tubing Tops made from toughened glass 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 SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Antique Brass Collection Set. , Manufacturer: Marks & Spencer

Tag & Flowers Sister Birthday Card, at Marks and Spencer
Cover text: Sister, Hope your Birthday is as special as you are Inside mesage: With Love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

Autograph Damask Bedcover, at Marks and Spencer
Embroidered design Contains padded quilting L250 x W265cm, Manufacturer: Marks & Spencer

Single Breasted Mid Length Belted Mac, at M&S
Practical and fashionable, this water resistant mac features a single breasted design and button down notch lapel. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

Stainless Steel Milk Jug, at Marks and Spenser
Stainless steel Single handle Pouring spout, Manufacturer: Marks & Spencer

Limited Collection Faux Fur Cuff Ankle Boots, at Marks & Spensers
Round toe Faux fur cuff design Ankle high Pull on High heel Heel height: 99mm

Latte Ceramic Table Lamp, at Marks and Spencers
Faux silk shade Cylinder stand Two tone reactive glaze base H49.5 x Diam 28cm Bulb: 60W GLS B22 GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Friday Night Whites - Case of 12, at Marks and Spenser
3 Alta Mira Sauvignon Blanc 2008: A fresh, dry Sauvignon Blanc from the Central Valley in Chile, this has a mouthwatering, zesty aroma and clean citrus flavours 3 Hungarian Pinot Grigio 2008: A refreshing aromatic white with vivacious fruity flavours of limes, tangerines and melons 3 Gascogne Cuve Spciale 2008: If you like dry, refreshing white wines, you'll love the mouthwatering flavour of crisp lemons and pears... 3 Quadro Sei Single Estate Gavi 2008: A premium dry white from one of Italy's most renowned wine-producing regions, Piedmont. Look out for the delicious fruity flavour of lime, pear and apricot, a subtle hint of almond and a fresh, ripe, zesty finish You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Everyday Wear False Nail Set, at Marks & Spenser
24 nails Adhesive Cuticle Stick Natural everyday length Comfortable fit Long lasting wear

Stormwear™ Long Sleeve Hooded Parka, at M & S
Fashionable and practical, this cosy jacket is warmly padded and lined with fleece. It's treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Autograph Pure Cotton Long Sleeve Newspaper T-Shirt, at Marks & Spencer
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

M&S Financial Services offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Motor Insurance is not like that at all, and when you compare M&S Motor 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 Spencers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, 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 Motor 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.