Besides Mark's & Spencer Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money 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 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 Spencer purchases are also protected while you take them home.

Also, on both M+S Money 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.

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spenser Standard Motor Insurance. With M+S Money 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 Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spenser, 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, you get more, and you pay less.

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

Little Heart Necklace & Bracelet Set, at MarksandSpencer
2 part set Stretch bracelet and necklace Little heart design

Pink Triangular Shaped Medium Gift Bag, at Marks & Spensers
1 gift bag Ribbon handles Gift tag Dimensions: Height 260 mm Base dimensions: 260 x 260 x 260mm

Long Sleeve Funnel Neck Scotland Jacket, at Marks & Spencer
Relaxed, stylish and comfortable, this hardwearing tracksuit jacket features a Scotland motif. A practical easycare style

Die Cut Duckling New Baby Card, at M+S
Cover text: New baby Inside message: Congratulations Approx size: Unfolded: 150 x 150mm

Travel Hair Straightener, at Marks and Spencers
Ceramic coated plate Short handle Variable heat settings 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

Pleated Corduroy Skirt with Tights, at Marks and Spenser
Pretty cute and fashionable, this pleated skirt with tights is outstanding value!

Blue Harbour Cotton Rich Stripe Rugby Top, at Mark & Spencers
Relaxed and casual, this stripe rugby top is made from a cotton rich fabric. It's designed to keep its shape and feel soft and comfortable to wear

Summer Jazz CD, at Marks and Spencer
Audio CD, Marks & Spencer

Footglove™ Wide Fit Leather Square Toe Loafers, at Mark & Spencers
Square toe Stitch detail Slip-on Flat sole Wide fit Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Children's Party Platter, at MarksandSpencer
Contains 16 quarters plus veg batons Serves 4-6 4 different sandwich fillings Ready to eat Made in a factory that uses sesame ingredients As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Vintage Handbag 60th Birthday Card, at Marks and Spencers
Cover text: Sixty and stylish Youre not old, youre vintage Inside message: Blank for your own message Approx. size: 230 x 114mm

Dualit Dome Kettle - Cream, at Marks & Spencers
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm 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

3 Pairs of Wide Opaque Knee High Socks, at Mark & Spencers
These comfortable 3 denier opaque knee high socks are made with added stretch and a reinforced toe for durability.

40 Denier Moisturising Opaque Tights, at Marks & Spenser
Bodysensor tights keep you warm when it's cool and cool when it's warm. The innovative technology helps to move moisture away from your skin for the ultimate in comfort

Firm Control Smooth Magic High Leg Knickers, at Marks and Spencer
These knickers work like magic with targeted control areas to shape you where you need it most - flattening tummies and lifting bottoms for a sleek, streamlined silhouette. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Baby Text Birth Announcement, at Marks & Spencer
Cover text: New baby Inside message: Would like to announce the birth of...a new arrival...on...time...weighing 10 cards, 1 design Approx size: 120 x 120mm

Sterling Silver Loop Bangle Bracelet, at Marks & Spenser
Loop fastening Plain Sterling silver This product is not available for international delivery. Find out more

Pure Silk Luxury Floral Tie, at Marks & Spencers
Add a luxurious finishing touch with this contemporary floral design tie in pure silk

Pure Cotton Sleeveless Embroidered Dress, at Marks & Spensers
Pretty and feminine, this sleeveless dress features an embroidered neckline and frilled hem. A flattering, stylish look

Château Devise 2004 - Case of 6, at Marks and Spencer
Grape variety: 50% Cabernet Sauvignon, 45% Merlot, 5% Petit Verdot Country of origin: France Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites

Traidcraft Embroidered Shoe Card, at Marks and Spencer
Cover Text: Blank Inside message: blank for your own message Approx size: 138 x 138mm

Beechwood Towel Holder, at Mark's & Spencer
Height: 36cm Diameter of base: 15cm, Manufacturer: Marks & Spencer

Wine Gift Card, at Marks and Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Butterflies on Spots and Stripes Hand Finished, at MarksandSpencer
Cover Text: Both designs: blank Inside Message: Both designs: blank for your own message Pack Contains: 6 cards, 2 designs Approx. Size: 200 mm x 80 mm

Ultimate All Season Stormwear™ Mac, at Marks and Spencer
Stylish and contemporary, this mac is treated with Stormwear™ technology, a breathable finish that repels water and stains

Olympus µ-9000 Digital Camera, at Marks n Spencer
Extra slim 10x wide optical zoom (28-280mm*) in a compact metal body to capture great scenes through to exciting close-ups Avoids blur thanks to Dual Image Stabilisation (combines mechanical and digital image stabilisation) The easy way to perfect images - Intelligent Auto Mode detects the five most commonly used scenes and adjusts settings, focus and exposure automatically 12 Megapixels to make poster-size prints if you want to 6.9cm/2.7" HyperCrystal III LCD for best ever preview even in brilliant sunlight and at extreme angles (230,000 dots) Face Detection for perfectly focused and exposed faces. In combination with Shadow Adjustment Technology other main parts of the picture are also correctly exposed TruePic III image processor for faster image handling and higher image quality xD-Picture Card and microSD Card compatible Lens: optical zoom: 10 x (WIDE); Aspherical glass elements: 5; Focal length: 5.0 - 50.0 mm; Focal length (equiv. 35mm): 28 - 280 mm; Structure: 9 lenses / 6 groups; Maximum aperture: 3.2 - 5.9; Digital Zoom: 5 x / 50 x combined with optical zoom LCD: Resolution: 230000 dots; Monitor size: 6.9 cm / 2.7 ''; LCD type: HyperCrystal III LCD; Frame assistance: Yes; Brightness adjustment: +/- 2 levels; LCD backlight boost: Yes Focusing System: Method: TTL iESP auto focus with contrast detection; Spot focusing: Yes; Face Detection AF: Yes; Standard mode: 0.5m - (wide) / 1.0m - (tele); Makro mode: 0.1m - (wide) / 0.9m - (tele); Super Macro mode: Closest focusing distance: 1 cm Light Metering: ESP light metering, Spot metering, Histogram in shooting mode enabled Number of scene modes: 14 Sensitivity: Auto and manual Internal Flash Modes: AUTO, Red-eye reduction, Fill-in, Off Image Editing: Black & White, Sepia, Resize, Trimming, Attach a calendar, Correction of saturation, Beauty Fix, Red-eye reduction, Shadow Adjustment Memory: 45 MB Dimensions: W96 x H60 x D31mm Weight: 185 g (without battery and card)

Isis Deodorising Body Spray, at Marks & Spenser
To Use: Shake well. Spray 15 cm from your body Deodorising body spray 150ml This product is not available for international delivery. Find out more

Autograph Pure Cotton Stripe Dungaree Outfit, at Marks & Spenser
Practical and pretty, this cute dungaree outfit is made from soft cotton to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Blue Harbour Pure Cotton Cable Knit Jumper, at Marks & Spencers
Relaxed and casual, this cable knit jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Boycat Sauvignon Blanc 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Australia Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M+S Money 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 Money 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 & Spencer 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 Money UK and European Breakdown Cover, since it covers you as a passenger too.