Besides Marks and Spencers 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 & Spencer 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.

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 & Spencers 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 Marks and Spencer, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spenser 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 & 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 Money, you get more, and you pay less.

Pure Cotton Stripe Towel Bale, at M+S
4 piece set Stripe trim design 2 x hand towels: 50 x 90cms / 500gsm 2 x bath towels: 70 x 120cms / 490gsm, Manufacturer: Marks & Spencer

Single Breasted 2 Button Jacket, at Marks & Spencers
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Linen Blend Flat Front Lightweight Trousers, at M+S
Fashionable and smart, these lightweight flat front trousers are the perfect choice for warmer weather

Pure Cotton Short Sleeve Spot Dress, at Marks & Spencers
Fashionable and practical, this cute dress features spot print and contrast hem. It's made from soft cotton to keep her comfortable and happy

Summer Manor Side Plate, at Marks & Spensers
Floral design Fine china Diameter 21.5cm, Manufacturer: Marks & Spencer

Limited Collection Multi Stripe Vest & Shorts Set, at Mark & Spensers
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Lemon Soufflé, at Marks & Spensers
Serves 6-8 Ready to eat Comes in a table-presentable ceramic dish Not suitable for nut allergy sufferers 700g total weight As featured on page 51 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Bright Spots and Stripes Duo Multipack of Cards, at Mark's & Spencer
Cover text: Blank Inside message: blank for your own message Pack contains: 8 cards, 2 designs Approx size: 138 x 138mm

Die Cute Sneakers Nephew Birthday Card, at Marks and Spenser
Cover text: Nephew, Happy birthday! Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. 175 x 127 mm

Medium Blonde Doll, at Marks and Spencers
Suitable for ages 1-3yrs H39cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure New Wool Flat Front Trousers, at Marks & Spenser
Fashionable and contemporary, these flat front trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Autograph Leather Knee High Riding Boots, at Marks&Spencer
Almond toe Stitch detail Knee high Small block heel

Secano Estate Rosé Pinot Noir 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir Country of origin: Chile 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

Autograph Essentials Pure Silk Weave Print Top, at Marks and Spenser
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling.

Domaine Mandeville Sauvignon Blanc 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians 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

Limited Collection Sleeveless Frill Front Blouse, at Marks & Spencer
Get the latest look in this trend-conscious sleeveless blouse featuring a frill front detail

Luxury Cotton Rich Stripe Shirt with Silk, at Marks and Spencers
The superior quality, cut and detailing on this luxurious cotton rich and silk shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Pheasant Gully Bin 312 Shiraz Merlot 2008 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Shiraz, Merlot Country of origin: Australia Closure: Screw cap 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

Pure Cotton Check Shorts, at Mark & Spensers
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Silver Triple Twist Necklace, at Mark's & Spencer
Triple strand twist design Adjustable length Clasp fastening Length: 41cm Extender: 8cm This product is not available for international delivery. Find out more

Pure Cotton Embroidered Denim Skirt with Tights, at Marks and Spencer
You will love this pure cotton denim skirt with a pair of tights. A practical, easycare style

Pure Cotton Multi Pocket Hooded Parka, at Mark & Spensers
Fashionable and practical, this contemporary parka features a hood. It's machine washable for added convenience

Collezione Pure Cotton Long Sleeve Hairline Stripe Shirt, at Marks and Spencer
Italian style is renowned for its attention to detail. Each collezione piece 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 shirt to give you a feeling of luxury like no other.

Footglove™ Leather Ruched Shoes, at Marks and Spenser
Pointed toe Ruched design Slip on Mid heel Heel height: 67mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Cotton Rich Scoop Neck Vest, at Marks & Spencer
Stylish and practical, this sleeveless vest makes an ideal choice for everyday wear. The cotton fabric gives a comfortable flattering fit

Collezione Square Face Watch, at M+S
Smart and sophisticated, this watch adds a touch of Italian inspired style

Younger Girls' Plain Fluffy Dressing Gown, at Marks and Spencer
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Blue Harbour Heritage Short Sleeve Numbered Rugby Polo Shirt, at Marks & Spencer
Casual and relaxed, this short sleeve rugby polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Cut Out Shade, at M & S
Faux leaf cutout design Plain 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

Pure Cotton Floral Print Knee Length Skirt, at Marks & Spencers
Smart and modern, this pure cotton skirt is a look you'll love. Stylish, practical and fashionable

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 Mark & Spencers 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.