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

Also, on both M&S Finance 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 Finance. Not least of these is Marks and Spencers 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 Marks & Spencers Money, you get more, and you pay less.

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 Buildings 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 Buildings 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.

Seed Embroidered Cushion, at Marks and Spencer
Rectangle shape Seed embroidered design L30 X W40, Manufacturer: Marks & Spencer

7 Pairs of Big & Tall Freshfeet Stripe Heel & Toe Socks with Silver Technology, at Marks n Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Classic Non-Wired Embroidered Cross-Over Bra, at M+S
Soft and comfortable, this full cup non-wired bra is great value. They're designed to give gentle support and a flattering fit

Mini Limited Floral Baker Boy Hat, at Marks & Spencers
Fashionable and fabulous, this floral hat makes a stylish finishing touch

Antigua Bedstead, at Marks&Spencer
Mattress sold separately Headboard: H100cm Endboard: H33cm Underbed: H10cm Double: L208 x W146cm Super: L218 x W161cm King: L218 x W191cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Pure Cotton Plain Knee Length Shorts, at Mark's & Spencer
Casual and comfortable, these cotton shorts feature a drawstring waist and 2 side pockets. A great value pack

Classic Collection Centre Crease Straight Leg Trousers, at Marks and Spencers
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Perfect Modal Blend Scoop Neck Stripe Top, at Marks & Spencers
What weekend chic is all about. This soft, pima cotton modal tee looks great with jeans or cords

Philips HP6509 Satinelle Soft Sensitive Epilator, at Marks & Spencers
Double waved massage roller minimises the pulling sensation and soothes the skin after epilation Specifically adapted cap for more sensitive skin, allowing for gentle epilation in delicate areas Ergonomic grip for comfortable handling Extra speed setting for more sensitive zones Washable epilation head Voltage: 100-240V Power consumption: 7.5W Number of discs: 21 Number of catching points: 20 Comes with adapter plug and cleaning brush

Adored Comfort E-G Embroidered Orchid Bra, at Marks and Spencers
Elegant and pretty, this embroidered bra is exceptionally comfortable. It's underwired and structured to give fuller busts great support and a natural uplifted shape. Feminine everyday lingerie

Artificial Orchid in Cylinder Glass Vase, at Marks and Spencer
Artificial Orchid Cylinder Glass Vase Height: 76.5cm, Manufacturer: Marks & Spencer

Dainty Handbag Large Gift Bag, at MarksandSpencer
1 gift bag Approx size: H270 x W360 x D100 mm

Single Glasses - VALUE FLUTE, at Marks & Spencer
Manufacturer: Marks & Spencer

Dress Up Fairies Sticker Book, at Marks and Spencers
Open this book and find four fun loving fairies inside, all waiting to meet you. Choose stickers to dress them in pretty clothes and dainty accessories, and follow them on their magical adventures. With over 300 stickers and extra activities, little girls will love this dolly dressing sticker book.

Autograph Long Sleeve Narrow Bengal Stripe Shirt, at Marks and Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Adored Modal Blend Floral Nightdress, at Marks n Spencer
Stylish and elegant, these flattering nightdress are part of our feminine Adored collection. They're made from a soft cotton blend for the ultimate in comfort

T397718, at Marks & Spencers
Manufacturer: Marks & Spencer

Floor Lamps - TBL/FLR TWIN PACK, at Marks and Spencer
Manufacturer: Marks & Spencer

Ultimate Wool Collar Stormwear™ Mac, at Marks & Spencer
Look your best with this removable wool collar mac. Treated with Stormwear™ technology, a breathable finish that repels water and stains, it's perfect for year-round wear

Florentyna Eau De Toilette 100ml, at Marks & Spenser
100ml This product is not available for international delivery. Find out more

Signature Lemongrass & Bamboo Scented Filled Candle, at Marks & Spencer
Lemongrass and bamboo fragrance Glass holder Burns up to 40 hours, Manufacturer: Marks & Spencer

Blue Harbour Stormwear™ Straight Leg Jeans, at M & S
These jeans are treated with Stormwear™ technology, a breathable finish that repels water and stains. It features a classic straight leg cut and stretch fabric that provides the utmost in casual comfort

Adjustable Task Collection - Table Lamp with Green Shade, at Marks and Spencer
Antique-effect brass finish Adjustable height Conical shade, Manufacturer: Marks & Spencer

3 Hair Remover Mitts, at Marks and Spencer
Pack of 3 Superfine surface exfoliates your skin while gently smoothing away Used regularly hair re-growth appears slower and less noticeable

Linen Blend 3/4 Sleeve Floral Print Blouse, at M&S
Pretty and feminine, this 3/4 sleeve blouse is made from crisp blend of cotton and linen and features floral print design

Per Una Supersoft Cat Mule Slippers, at Marks & Spenser
Mule style Round toe Flat sole Cat embellishments Contrast lining

Rose Print Mug, at Mark's & Spencer
Rose design Slim handle, Manufacturer: Marks & Spencer

Cascade Bead Y Design Necklace, at Marks & Spencer
Clasp fastening Adjustable length Cascade bead Y design Multi strand Necklace length: 49cm, extendable by 8cm

Wool Rich Single Breasted 2 Button Jacket, at Marks & Spencer
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

Gold Plated Heart Necklace & Earrings Set, at Marks & Spencer
2 part set Fine chain necklace with heart pendant and diamant detail Diamant stud earrings This product is not available for international delivery. Find out more

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 Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks & 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 Finance 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.