Besides Marks and Spencers Car 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 Spenser 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.

When you're shopping at Marks and Spencers 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 Property Insurance and Car Insurance, there's a lot more going on at Marks & Spensers 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."

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 Spencers are so useful. M&S Financial Services financial products are, of course, designed to make Marks and 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.

M&S Golfers Gift Set, at Marks & Spencers
Ideal golf companion for any golf enthusiast. This golf set includes all you need to help you sink that ball, beautifully presented in a gift box to make it an ideal present for any golfer

Autograph Double Buckle Mid Heel Shoes, at Mark's & Spencer
Round toe Double buckle feature Zebra print Mid heel Lined

Sleeveless Twin Button Dress, at Mark's & Spencer
Sleek and chic, this sleeveless dress is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Autograph 3/4 Sleeve Cardigan with Merino Wool, at Mark & Spensers
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

Frill Sleeve Satin Blouse, at Mark & Spensers
This frill sleeve blouse makes a perfect way of getting the smart casual look this season. It has a pleat design and a satin finish for an extra touch of stylish chic

2 Older Boys' Pure Cotton Assorted Design Shorties, at Marks & Spensers
Soft and comfy, this 3-pack of pure cotton shorties features a stripe and check design

Disney Fairies Tinkerbell Colour & Activity Pad, at Mark & Spensers
Character based colour and activity book with a sheet of stickers Includes lockable journal and fairies gel pen Ideal for 5+ years Disney, Manufacturer: Marks & Spencer

Samsung 37'' LE37B650 HD Ready LCD TV, at Marks and Spenser
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 37 inch Widescreen LCD TV, 1920 X 1080 resolution Contrast Ratios: Ultra Contrast Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: W995.1 x D78.6 x D650.4mm (without stand) W995.1 x D255.0 x H705.9mm (with stand) Weight: 18.5kg (with stand), 14.5kg (without stand) SRS TruSurround XT: For enhanced surround sound effect Connectors: 2 x Scart, 3 x HDMI, Headphone socket, RF input, S-Video connection, 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 Ultra Clear Panel: Retains the same high performance in any light conditions 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 T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Linen Miracle™ Single Breast 2 Button Jacket, at Marks and Spencer
This lightweight single breasted jacket is the perfect choice for warmer weather. A revolutionary crease resistant linen blend means it doesn't crease like linen but has the same look and feel

Burra Brook Sauvignon Blanc 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Australia Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml:1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Altena Cortese 2008 - Case of 12, at Marks n Spencer
Grape variety: 100% Cortese Country of origin: Italy Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Short Sleeve Spot Print Pyjamas, at Marks and Spencer
Pretty and feminine/Stylish and elegant/Fashionable and practical, these comfortable pyjamas/etc feature

Boned & Stuffed Pork Shoulder with Prosciutto, at Marks and Spencer
Serves 8-10 Ready to cook 1.96kg As featured on page 37 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Ben 10 Sticker Action, at Marks and Spencer
Go for a sticker smackdown with these cool activity books that deliver the things boys love best - aliens, automobiles and attitude! 24 pages of puzzles, challenges and street style will satisfy the hippest kid. Boys can use their stickers to recreate their favourite Ben 10 episodes and Hot Wheels cars, or mix things up to create funky new designs. Customise your own car or assemble an alien army - sticker books let boys make the rules

Hollowfibre Outstanding Value 13.5 Tog Duvet, at M+S
13.5 tog Suitable for cooler months or colder rooms or those who prefer a warm, snug duvet Non-allergenic Highest quality hollowfibre filling Pocket construction for even warmth 100% cotton cover and 230 thread count Soft & comfortable Comes in single, double and king sizes Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Tiny Fairies Nan Birthday Card, at Marks & Spencers
Cover Text: To my lovely Nan, You mean such a lot to me xx Inside Message: Hope that your birthday is as special as you are xx Approx. Size: 178 x 126mm

4 Sennen Mugs - Blue, at Marks and Spencer
4 piece set Contrast design H11 x Diam 9cm, Manufacturer: Marks & Spencer

Best Of British Trivia Card Game, at Marks & Spencers
Number of players: 2+ Suitable for ages 14+ Contains: 150 question cards, score pad, pencil and instructions Approx. card size: 58 x 88mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Soft Bikini Knickers, at Marks and Spencers
Smooth and sleek, these soft stretchy bikini knickers are finished with smooth flat edges, so there are no visible outlines under clothes. The low rise, high leg style and close fit give a sleek, shapely look. Designed for a streamlined silhouette

Per Una Pleated Handbag with Charm, at M&S
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

Relax Photographic Kitten Mum Birthday Card, at Marks and Spencers
Cover text: Mum, relax and take it easy on your birthday... Inside message: With lots of love Approx size: 150 x 150mm

Autograph Leather Dispatch Shoulder Bag, at Marks n Spencer
Fashionable and practical, this leather dispatch bag features a single adjustable strap and fold over style front

Easy Soups, at Marks and Spencer
A great collection of tasty soup recipes to keep you warm during those winter months

Corby 3300 Trouser Press, at Marks and Spencers
No need to dampen trousers before pressing. The inherent humidity content of natural and mixed fibres assists the pressing process Can be used free-standing or wall-mounted using simple fixings supplied in each carton Features a jacket hanger 30 minute setting Automatic cut-off Manual cancel option Coin Tray 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

Trackers Trail Sauvignon Blanc 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

North Coast Pure Cotton Washed Denim Shirt, at Marks & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear

Cotton Rich Lace Trim Shorts, at M & S
Smart, snug and easy to care for, these cosy shorts combine a flattering fit with a lace design and stretchy fabric to create the perfect knickers for day to day wear

Aluminium 14cm Milk Pan, at M+S
Triple layer non-stick finish Excellent for low fat cooking Riveted silicone and stainless steel handles offer an easy grip Suitable for all cooker types 14cm, Manufacturer: Marks & Spencer

Cut Flowers Scented Filled Candle, at M&S
Cut flowers scented Glass holder Frosted glass design, Manufacturer: Marks & Spencer

5 Cotton Rich Floral Feature Full Briefs, at Mark's & Spencer
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from MarksandSpencer, 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 & Spencer Money, you get more, and you pay less.