Besides Marks&Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance 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 Finance 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 & Spensers purchases are also protected while you take them home.

Also, on both M&S Finance 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.

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spensers Standard Motor Insurance. With M&S Finance 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 Finance, 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 Spencer, 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 Financial Services, 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 Marks & Spensers are so useful. M&S Finance financial products are, of course, designed to make M+S 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 Finance 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

No VPL Floral Lace Shorts, at Mark & Spensers
For the ultimate no-show look, these stretchy modern shorts are made from super smooth lace with bonded edges. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Pink Embroidered Shoes Birthday Card, at Marks & Spenser
Cover text: With love on your birthday Inside message: Blank for your own message Approx size: 175 x 126mm

Spot Mesh Padded Balcony Bra, at Marks and Spencer
Feminine and pretty, this spot design padded balcony bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Footglove™ Leather Knee High Riding Boots, at Mark & Spencers
Round toe Contrast stitch detail Block heel Knee high Water resistant Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Autograph Merano Corner Unit, at M&S
H84 x W102 x D102cm Seat H47cm, top back rail H63cm (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 filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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 Glide feet with a dark finish Can be arranged to fit both left and right room corners All of our fabrics are treated with Stain-Defence™ - 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 0845 603 1 603 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

Blue Harbour Drawstring Swim Shorts, at Marks n Spencer
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

My First Sticker Book, at Marks & Spencer
Learning is easy with this big sticker book. Fun sticker activities and photographic pages are designed to introduce young children to key concepts, such as colours, numbers, letter practice, shapes and many more...

Travel Soap Leaves Pack, at Marks & Spenser
2 pocket size containers 1 laundry soap bar 1 face and body soap bar

DD-G Contrast Embroidered Non-Padded Bra, at Marks n Spencer
Soft and comfortable, this bra is specially designed for fuller busts. It's underwired and structured to give great support and a flattering enhanced shape

Autograph Essentials Star Print Blouse, at Marks and Spencers
This fab short sleeve blouse features a stunning star print. A sophisticated new look, perfect for this season

Autograph Pure Wool Single Breasted 1 Button Stripe Jacket, at Marks & Spencers
The only choice for the sharp dresser: Autograph's stylish designer-quality collection boasts the finest fabrics and closest attention to detail for an impeccable contemporary look

Side Stripe Bodyshaper Swimsuit, at MarksandSpencer
Elegant and feminine, this stylish swimsuit shapes and smoothes your figure, giving you a flattering fit. Make a splash!

Limited Collection Cross Body Bag, at Mark's & Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and zip fastening pocket. A practical and stylish accessory

Collezione Pure Wool Flat Front Woven Trousers, at MarksandSpencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Hamilton Footstool, at Marks and Spencer
H29 x Diam 72cm (all dimensions are approximate) Cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Solid birch feet All of our fabrics are treated with Stain-Defence™ - 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 0845 603 1 603 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Joggers Outfit, at Marks & Spensers
Fun and practical, this joggers outfit is outstanding value. The soft cotton will keep her feeling comfy

Dave's Celebration Goal Birthday Card, at M & S
Cover Text: Happy Birthday! Inside Message: Have a great day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

Wave Shade, at Marks and Spencer
Cylinder shade Wave design Contrast trim H 35.5 x Diam 30cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Thomas and Friends: Magnet Book, at Marks & Spencer
Join your favourite characters for some magnet scene fun! This title lets you use your imagination and lots of magnets to complete the scenes.

V-Neck Block Stripe Jumper, at Marks and Spencer
Soft and comfy, this warm knitted block stripe jumper is outstanding value. A fashionable easycare style

Airflex™ Comfort Lace Up Shoe, at Marks & Spencer
Square toe Stitch detail Lace up Eyelets Unique Airflex™ airflow system for unbeatable comfort

Stainless Steel Apple Corer, at Marks and Spencers
Simple design Stainless Steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Big And Tall Single Breasted 2 Button Jacket, at Marks & Spensers
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Domaine Régismont Merlot Cabernet 2007 - Case of 12, at Marks & Spencers
Style: Full Bodied Grape variety: Merlot, Cabernet Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Autograph Essentials Modal Rich Jersey Top with Silk, at Marks and Spencers
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Doves First Communion Card, at Marks and Spencer
Cover text: Celebrating your first communion Inside message: Have a wonderful day! Approx size: 174 x 126mm

Semi Plains - LINEAR PLTS BS, at Marks and Spencers
Manufacturer: Marks & Spencer

Tramline Riptape Shoes, at Marks & Spencer
Square toe Tramline design Riptape fastening Flat sole

Autograph Pure New Wool Single Breasted 2 Button Jacket by Timothy Everest, at Marks and Spencers
This luxurious Pure New Wool suit is part of an exclusive collection by Timothy Everest, one of London's leading tailors. This sought-after collection features the impeccable quality, styling and attention to detail of his signature work

Silver Plated Filigree Gem Drop Earrings, at M+S
Hook fastening Drop style Filigree gams design For hygiene reasons, refunds will only be given in accordance with your legal rights

M&S Finance 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 Motor 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; Motor Insurance and Property 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 Property 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, M&S Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.