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

Also, on both M&S Financial Services 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.

When you're shopping at Marks & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

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 M & S 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 & 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 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.

Pure Cotton Tie Dye Beach Towel, at Marks n Spencer
Tie dye design, Manufacturer: Marks & Spencer

Autograph 3/4 Sleeve Seersucker Ruffle Front Blouse, at Marks & Spencer
Part of Autograph's Maitresse trend - chic, sophisticated and wearable evening looks with beautiful catwalk-inspired jewel tones and sensuous fabric and prints. Luxurious attention to detail is key

Modern Glass Wall Clock, at Mark & Spencers
Glass design Metallic hands Circle shape Diam: 30cm, Manufacturer: Marks & Spencer

7 Pairs of Big & Tall Freshfeet Stripe Heel & Toe Socks with Silver Technology, at Marks&Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

The Floral Collection Lavender 3 in 1 Body, Room and Linen Spray, at Mark's & Spencer
100ml Lavender fragrance 3 in 1 spray

Rochford Chair, at Marks & Spencer
H80 x W73 x D85cm Seat: H48cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions made from fixed foam 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

2 Pairs of Assorted Colour Stripe Socks, at M&S
Get a fabulous, fashionable look with these assorted design socks. They're made from comfortable soft stretch cotton for a great fit and shape retention

Long Sleeve Zebra Print Cardigan, at Mark's & Spencer
Modern and stylish, this cardigan features a zebra print. A smart modern look

Linen Blend Shirt and Waistcoat Set, at Mark & Spencers
Comfortable and versatile, this 2 piece shirt and waistcoat set is a classic style, perfect for smart dressing

Older Girls' Metallic Footbed Sandals, at Marks & Spencers
Buckle fastening Metallic design Multi shapes detail Flat grip sole Contrast comfort lining

Autograph Pure Cotton Long Sleeve Bold Stripe Shirt, at Marks & Spensers
This luxurious shirt is part of our exclusive Autograph collection. It's fine quality and careful attention to detail make it a superior and stylish modern classic

Perfect Blue Harbour Cotton Rich Jumper, at MarksandSpencer
This easy, comfortable jumper has a touch of stretch so it keeps its shape, even after it's been through the machine and the tumble dryer

Older Boys' Cymru Rugby Swimming Shorts, at Marks and Spencers
Sports fans will love these cosy Cymru swimming shorts featuring the country motif. A practical, easycare style

3 Non-Iron Short Sleeve Blouses, at Marks & Spencers
A great value 3-pack of school blouses, non-iron for convenience

Apple Design Mug, at Marks & Spenser
Apple design Slim handle, Manufacturer: Marks & Spencer

Curved Seam Skater Skirt with Belt, at Marks and Spencer
Cute and flirty, this skater skirt is a stylish, versatile choice. A smart modern look

Pure Cotton Long Sleeve Stripe Hooded Top, at Marks and Spencer
Cute and fun, the stripe design makes this practical hooded top extra special. It's made from soft pure cotton and feels comfy to wear.

Flora Sunglasses, at Marks and Spenser
Bold, dark and oversized, these stunning shades make a fabulous way of wearing this seasons hot trend for classic glamour

Samsung 32'' LE32B450 HD Ready LCD TV, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch Widescreen LCD TV, 1366 x 768 resolution Contrast Ratios: High Contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W797.7 x H84.8 x D530.5mm (without stand) W797.7 x D576.5 x H252mm (with stand) Weight: 11.4kg (with stand), 9.1kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 1 x Scart, 2 x HDMI, RF input, Composite(AV), PCMCIA Card Slot, PC input (D-sub) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel Prevents glare to keep images clean and clear Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial This product is not available for international delivery. Find out more Use wall mount

Hooded Fleece Lined Jacket, at Mark & Spencers
Warm and soft, this pretty hooded fleece lined jacket will keep her cosy

Handcrafted Edwardian Lady Mother's Day Card, at Marks and Spencer
Cover text: To my lovely Mum on Mother's Day Inside message: Hope you have a lovely day Approx size: 178 x 126mm The Country Diary of an Edwardian Lady Rowena Stott (Designs) Ltd and RW.UK. Ltd 2008 Licensed by opyrights Group

Cotton Rich Lace Detailed Full Slip, at Marks and Spencers
A practical fashion essential you can't do without! This cling resistant slip comes in a variety of lengths. It's a must-have for enhancing the look of your dresses, particularly those that look see-through under light

3-Piece Looped Dinner Candle Holder, at Marks and Spencer
Knotted loop design Silver effect 3 candle holders Dimensions: L23 x W23 x H10cm, Manufacturer: Marks & Spencer

Portfolio V-Neck Front Pleat Dress, at Marks and Spencers
Fashionable and modern, this knee length dress features a v-neck and front pleat detail. A flattering, stylish look

Zip Up Sports Bra, at Marks & Spencer
Comfortable and secure, this zip up sports bra gives firm, gentle support for active wear

First Reader Cinderella Book, at M+S
Cinderella, the well-loved fairytale, written with vocabulary following the National Literacy Strategy

40 Denier Silky Soft Tights, at Marks and Spencers
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

Humax PVR-9300T500 Digital Television Recorder with 500Gb HDD & Twin Tuner, at Marks & Spenser
Digital terrestrial set top box 500Gb DTR (Digital Television Recorder) Up to 300 hours tape-less recording and playback Twin Digital Tuner, can record 2 channels whilst viewing a third Pause live TV and rewind live TV One touch recording from 8 day programme guide Dolby 5.1 optical output Automatic software update, to ensure the latest digital features are available Records subtitles with the ability to view or hide them during playback Auto-padding ensures you never miss the beginning and end of a programme Chase play enables you to watch a programme from the beginning whilst still recording the end Common interface slot for Pay TV (requires separate CAM (not supplied)) HD Upscaling with HDMI Dimensions: H5 x W36 x D24.5cm Weight: 2.9Kg NOTE: This unit only records Freeview, not SKY or cable

Button Detail Knee Length Skirt, at Marks & Spencer
Chic and stylish, this above the waist skirt features a button detail and contrast stitching. A great choice for work or smart occasions and it's machine washable for added convenience

Artificial Light-Up Mirror Cluster Ornament, at Marks n Spencer
Disc-shaped mirrors Lights Decorative wrapping Long stem Ready Made arrangement that needs no after care H43cm Weight: 65kg This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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, 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 Financial Services 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 Financial Services Buildings Insurance than you will anywhere else, and you may even pay less with M&S.