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

Also, on both Marks & Spencers 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.

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 M&S are so useful. Marks & Spencers Money 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, Home Insurance policies. Usually, UK Home 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 Marks & Spencers Money Home 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 Marks & Spencers Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

JBL SoundSticks II Audio Speaker System, at Marks & Spensers
Speaker system: 3-piece plug and play multimedia speaker system Styling: Stunning, original design with great sound Equalisation: Features computer-optimized multi-band parametric equalization Touch control: Capacitance touch control buttons provide direct access to volume control Output: 20 Watts RMS subwoofer power output Dimensions: 41 x 51 x 31cm Weight: 499g 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

Pure Cotton Block Stripe Hooded Top, at Marks & Spensers
Relaxed and casual, this comfortable hooded top is made from pure cotton and features a block stripe design. A great value easycare style

Handcrafted Blue Vase Mother's Day Card, at Marks and Spenser
Cover text: With love on Mothering Sunday Inside message: Have the happiest day Approx size: 178 x 126mm

Bright Squares Well Done Card, at Marks and Spencers
Cover text: Well done! Inside message: blank for your own message Approx size: 150 x 150mm

Autograph Pure Cotton Embroidered Dress with Belt, at Marks n Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Red, at Marks & 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:19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast 4000:1 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: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors1 x HDMI input, 1 x Scart socket DVD Player: Built-in 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: 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 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 Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Single Sprung-Edge Divan with 1 Small + 1 Large Drawers & F400 Coolmax® Pocket Memory Foam Mattress, at Marks & Spencers
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Per Una Crinkle Stripe Panelled Skirt with Belt, at Marks&Spencer
A fashionable mid calf length skirt featuring panelled design. Matching buckle belt gives it a Per Una touch

Autograph Antique Leather Wallet, at Marks & Spenser
Smart, stylish and practical, this antique leather wallet makes it easy to organise cards, notes and coins

Per Una Face Palette, at Marks & Spencer
Hypoallergenic Includes: 18 eyeshadows, 12 lip colours, a bronzer and 3 cheek colours

Gold Curl, at Marks & Spencer
Ceramic Reflective finish Abstract design Dimensions: 14 x 39 x 33.5cm, Manufacturer: Marks & Spencer

Short Sleeve Abstract Print Pintuck Dress, at Marks and Spencers
Abstract prints are a key trend this season, making this v-neck dress a great way to get the latest look

Magnum in Presentation Box, at Marks and Spencers
Chteau D'Argadans Bordeaux Superieur 2005 Magnum (13% vol.) Wine accessories Box dimensions: W138 x L425 x H138mm All prices include delivery Available for delivery from 1st December to 23rd December 2008 You must be 18 or over to purchase this product Glasses and serving dishes not included unless otherwise stated Looking to place a corporate bulk order?. Click here This product is not available for international delivery. Find out more

Per Una Wide Leg Centre Crease Trousers, at Marks & Spencer
A smart pair of wide leg trousers in stretch cotton featuring a centre crease

Pure Cotton Short Sleeve Hooded Cardigan, at Marks and Spencer
Pretty and feminine, this short sleeve cardigan is made from pure natural cotton and features front pockets for a fashionable look

Pure Cotton Button Detail Flare Dress, at Marks&Spencer
Sophisticated and elegant, this fit flare dress features button detail and a buckled waist belt. A gorgeous style statement, perfect for elegant occasions

Portfolio Bobble Drop Earrings, at Marks & Spencer
Hook fastening Drop style Bobble design For hygiene reasons, refunds will only be given in accordance with your legal rights

Lace Trim Full Slip, at Marks and Spenser
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

Autograph Essentials Embroidered Thong, at Marks & Spencers
Elegant and feminine this modern thong is made from a soft fabric which looks and feels luxurious. The modern low rise high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Solar Viejo Rioja Crianza 2005 - Case of 12, at Marks & Spencer
Grape variety: 100% Tempranillo Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Per Una Notched Leather Belt, at Marks & Spencer
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Print Your Own Wedding Stationery: Cream Floral and Polka Dot Menu/Order of Service, at Mark & Spencers
Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 decorative ties, 1 x instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Please note: As this stationery is not intended for use as invitations, envelopes are not supplied in this pack Approx size: 218 x 154mm

Velour Wide Leg Trousers, at Marks & Spensers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Limited Collection Bow Cut Out Court Shoes, at M & S
Almond toe Court style Cut out detail Bow feature Mid heel Heel height: 72mm Comes in sizes 3-8, including half sizes

Per Una Fuzzy Spot Print Dress, at Marks & Spensers
A feminine spot print dress featuring ruched bustline and fuzzy spot print

Leona Lewis - Spirit CD, at Marks & Spenser
Audio CD, Marks & Spencer

10 Evening Invitations, at Mark's & Spencer
Pack of 10 Cake design Inside message: .....Request the pleasure of the company of..... at the evening receptions to celebrate the marriage of..... at..... on..... R.S.V.P. Approx size: 120 x 120mm

Limited Collection Wooden Heel Court Shoes, at Marks & Spencer
Almond toe Court style Stitch detail Mid heel Heel height: 75mm Comes in sizes 3-8, including half sizes

4 Windsor Red Wine Glasses, at Marks & Spensers
Set of 4 Dishwasher safe 47cl H24cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Chino Shorts, at Mark's & Spencer
Think smart on those warmer days and nights with the design of these great value shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spencer Standard Car Insurance. With Marks & Spencers 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 Marks & Spencers 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 and Spencers, 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.