Besides Marks & Spenser Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services House 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 n Spencer purchases are also protected while you take them home.

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

M&S Financial Services 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 Motor 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; Motor Insurance and House 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 House 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Pocket Size Sticker Book, at Marks and Spencer
This pocket sized book will keep them busy as they look for an incredible 500 stickers inside! Locate the 500 stickers and fit into the right slots on various different themes

5 Pairs of Short Ribbed School Socks, at Marks & Spencers
A great value set of snug school socks that will stand him in great stead throughout the week. They're easy to care for too

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

Luxury Pure Wool Pinstripe Trousers, at Marks and Spenser
Get 30% off price shown. Discount applies at checkout Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Domaine Bastides d'Eole 2007 - Case of 6, at MarksandSpencer
Style: Full bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork 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

4 Pairs of Fresh Feet Premium Contrast Heel & Toe Socks, at Marks and Spenser
The innovative Aegis Active Freshness system will keep these socks smelling fresh and odour free and its permanently built into the sock to perform wash after wash. Theyre cotton rich for soft natural comfort and have a reinforced heel and toe for extra durability

Per Una Long Sleeve Bouncy Frill Cardigan, at Mark & Spensers
A casual long sleeve open cardigan in a soft cotton blend. Bouncy frill trim details give it the Per Una touch

There Was An Old Lady Who Swallowed A Fly, at M+S
First published thirty years ago, the Classic Books-with-Holes have become known and loved world-wide, ingenious die-cut holes bring the old Lady who swallowed a fly to life, and Pam Adams's illustrations are beautifully funny and charming

Adored Comfort All Over Lace High Leg Knickers, at Marks & Spencers
Soft and pretty, these lace trimmed knickers are made from a soft stretchy blend of modal and cotton

Collezione Suede Moccasin Loafers, at Marks and Spencers
Square toe Raised apron stitch Plain Block heel

Classic Collection Pure Cotton Short Sleeve Top, at Marks and Spencer
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

M&S 3m Gold HDMI Cable, at Marks and Spencer
3 metre cable 24 carat gold connections HDMI to HDMI Suitable for high definition devices Multiple shielding for minimum interference 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

Knock on Wood Red Blend 2007 - Case of 6, at Mark & Spencers
Style: Full bodied Grape variety: Mixed Red Country of origin: South Africa 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

Autograph Lambswool Rich Cable Knit Cardigan, at Mark's & 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

Autograph Luxury Pure Cotton Hotel Towel Collection & Bathmat, at Marks & Spensers
Luxurious 800gsm towels made from the finest combed cotton Hand: L100 x W50cm Face: L33 x W33cm Bath: L140 x W68cm XL Bath: L180 x W89cm Bathmat: L80 x W50cm, Manufacturer: Marks & Spencer

Panasonic HDC-TM300 Camcorder, at M+S
Pixels: 9.15 megapixels Zoom: 12x optical zoom / 700x digital zoom Screen: 2.7 Wide LCD ( 230,400 pixels) Dimensions: H7.2 x W7 x D14.1cm Weight: 385g (without batteries and card) Media: Built-in memory (32GB), SD/SDHC Memory Card Recording format: MPEG4-AVC/H.264 (AVCHD standard compliant) Audio recording system: Dolby Digital (5.1ch) Microphone: 5.1ch surround, zoom and focus microphone Power supply: DC7.2V / 9.3V

Autograph Pure Cotton Stripe Hooded Cardigan, at Marks and Spencer
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too! With luxury in every detail, this is part of our exclusive Autograph collection

Autograph Embroidered Short Sleeve Blouse, at Marks and Spenser
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Lichfield Extending Dining Table, at Marks&Spencer
H75 x W95 x L145cm (H29.3 x W37.4 x L56.6in ) Extends to Length 195cm (76.1in) Seats 6 Extends to seat 8 using the spare central leaf stored beneath the table top Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Top panel is veneered with solid oak edging for strength Delivered flatpack due to size. 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. SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

M&S Café Torino, at Mark's & Spencer
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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

Butterfly Embroidered Bed Set, at Marks & Spenser
Includes single duvet cover and 1 pillowcase in fabric bag Duvet cover: L198 x W137cm Pillowcase: L76cm x W48cm Embroidered butterfly design Ruffle trim Sequin detail, Manufacturer: Marks & Spencer

Kaituna Hills Forty Knots Marlborough Sauvignon Blanc 2008 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: New Zealand Closure: Screw cap 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 Waffle Hooded Dressing Gown, at Marks and Spencer
Pretty and feminine, this dressing gown is made from pure cotton. Relax in style and comfort

Per Una 3/4 Sleeve Stripe Cardigan, at Marks & Spencer
A sophisticated 3/4 sleeve cardigan in a chunky knitted fabric featuring a vertical stripe design

Autograph Stud Gladiator Sandals, at Marks&Spencer
Open toe Stud strap detail Buckle fastening Mid heel Heel height: 8cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

North Coast Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spenser
Stylishly smart casual, this long sleeve stripe shirt is made from pure cotton so it feels soft and comfortable to wear

3 Pack Easycare Long Sleeve Shirts, at Marks and Spencer
Woven in a no-fuss easycare fabric, long sleeves and double button cuffs add a smart focus to your office look. A practical and convenient choice for everyday wear

Limited Collection Front Frill Longline Cardigan, at Marks and Spencers
Pretty and feminine, this front frill cardigan is made with comfortable breathable cotton. Get the latest look!

2 Pure Cotton Assorted Leggings, at Marks & Spencers
Cute and comfy, these practical leggings are made from soft cotton and feature assorted designs. A great value pack

Hand Decorated Coloured Glass Bowl, at Marks & Spensers
Handmade Shallow dish Erratic edge Web design, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Financial Services you can keep the cost of your Motor 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 Motor Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M&S Money Direct, you get more, and you pay less.