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

Also, on both M&S Money Direct 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.

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 Marks & Spenser 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 M+S, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the M&S Money Direct website:

• M&S Insurance: M&S Car Insurance, M&S Home Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

Per Una Water Repellent Faux Fur Hooded Parka, at Marks and Spencers
A casual hooded parka featuring a funnel neck. Faux fur detail makes it extra stylish.

Autograph Le Baron® Lilies, at M & S
Especially chosen for their beautiful and impressive flowers, this stunning bouquet of Le Baron lilies is from our new luxury Autograph flowers collection. Long-lasting flowers and a beautiful scent make these lilies an impressive display and a stunning gift All Autograph bouquets are beautifully presented, wrapped by hand and finished with Autograph branded cellophane & a black organza ribbon Available for delivery from 23rd October to 25th November 2008

Filigree Collection - 3-Arm Chandelier, at Marks & Spencer
3 light chandelier Clear glass droplets Tiered H 75 x Diam 36cm Bulb: 5 x E14 Golf Ball 60W This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Flower Shadow Blouse, at M & S
A beautiful short sleeve blouse in pure soft cotton. Pintuck details give it the Per Una touch

Glass Crackle Photo Frame 13 x 18cm (5 x 7"), at Marks & Spencers
Glass finish Crackle effect Aperture 13 x 18cm (5 x 7 in), Manufacturer: Marks & Spencer

Hooded Faux Fur Trim Gilet, at Marks & Spencers
Comfortable and practical, this warmly padded gilet jacket features a hood. Great for keeping out the chills

Front Pocket Dispatch Shoulder Bag, at Marks & Spencers
Fashionable and practical, this dispatch bag features an adjustable shoulder strap

Per Una Eau De Toilette Limited Edition Purse Spray, at Marks & Spencer
Clear bottle with Per Una floral print Floral and fruity fragrance 25ml This product is not available for international delivery. Find out more

Per Una Quilted Gilet, at Marks and Spencer
A fashionable quilted gilet featuring a funnel neck and stitch detailing

Maternity Camisole, at Mark's & Spencer
Smart and stylish, this camisole is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. An essential fashion favourite

Pure Cotton Ruffle Neck Ribbed Vest Top, at Marks and Spencers
For casual elegance, you can't beat this ruffle neck vest top. A great value cotton essential

Per Una Knitted V-Neck Top & Stripe Scarf, at Mark & Spensers
A fashionable knitted v-neck top featuring a lace trim neckline. Comes with scarf shown in the photograph

Autograph Pure Cashmere Knitted Wrap, at Mark's & Spencer
Wrap up warm in fashionable style with this ribbed trim wrap. The contemporary design looks great over this season's fashions, or wear with jeans and boots

Animal Print Marl Tights, at Marks & Spencers
Treat your legs to a touch of style. These animal print tights have a durable reinforced design to keep them looking good, wear after wear

Bonded Leather Collection - CD Tower, at MarksandSpencer
Holds approximately 70 CDs H92.5 x W23 x D23cm, Manufacturer: Marks & Spencer

Ceriso Essentials Spot Embroidered Non Padded DD-G Bra, at Marks and Spencers
Flirty and fashionable, this modern bra is beautifully detailed with spot embroidery and multiple bows. It's underwired and structured for great support and uplift, and the plunge shape gives a fabulous enhanced cleavage. Designed for women who want the latest look

Black & Cream Floral Large Gift Bag, at Marks & Spensers
1 gift bag Approx size: H350 x W350 x D100mm

Ultimate Non-Iron Pure Cotton Short Sleeve Check Shirt, at Marks & Spensers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Ceriso French Maid Stripe Bikini Briefs, at Marks & Spencer
Fab and funky, these modern bikinis feature stripe print and a rose detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Per Una Floral Lace Padded Plunge Bra, at Marks&Spencer
Fresh and feminine, this padded bra features floral embroidery. It's underwired for extra support and the padded plunge style gives an enhanced shape. Pretty everyday fashion

Limited Collection Large Bow Belt, at Marks & Spensers
Show off curves and cinch in your waist with this bow belt with stitch detailing for an on-trend look for day or night

Luxury Pure Wool Pinstripe Trousers, at Marks and Spencer
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

My First Fire Engine, at Marks and Spencer
Pull-along cord Light and sound features Batteries included Suitable for ages 0-3yrs H21cm This product conforms to EN71 and the Toy Safety Directive 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, Manufacturer: Marks & Spencer

Linen Rich Single Breasted 1 Button Pinstripe Jacket, at MarksandSpencer
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions

Per Una Supersoft Embroidered Spot Mule Slippers, at Marks & Spensers
Mule style Round toe Flat sole Embroidered spots

Cropped Linen Blend Sailor Button Trousers, at Marks & Spencer
Warm marmalade and rich chocolate are just two of the key summer shades that these great value linen blend trousers come in

Flat Front Trousers with Wool, at Mark's & Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear

Nice And Easy CD, at Marks & Spenser
Album, Marks & Spencer

Ultimate Non-Iron Pure Cotton Short Sleeve Rib Stripe Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

3 Authentic Woven Pure Cotton Assorted Boxers, at Marks & Spensers
Add colour to your underwear drawer with these comfy assorted check and stripe design boxers

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 Money Direct financial products are, of course, designed to make MarksandSpencer 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 M&S Money Direct 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 M&S Money Direct Home Insurance than you will anywhere else, and you may even pay less with M&S.