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

Also, on both M+S Money 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 and 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 Money 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.

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

Party Cocktail Invitations - Pack of 10, at Marks & Spencers
Cover text: Party.....Celebrate Inside message: Dear........, You are invited to a party, On............, Time..........., Place........., Hope you can come, RSVP............... 10 cards, 1 design This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120 mm

Bathroom Collection Hanging Shower Caddy, at Marks and Spencer
Comes with 3 shelves Soap tray H50 x W25 x D9cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Floral Lace Full Briefs, at Marks and Spenser
Offering superior coverage and comfort, these attractive briefs team the flattering look of a low leg with an understated combined lace and plain design. An easycare fabric and added stretch provide a fuss free fit you'll love

4 Wood Veneer Coasters, at M & S
Pack of 4 Solid wood L10 x W10cm, Manufacturer: Marks & Spencer

Autograph Pure Marble Soap Dish, at Marks and Spencers
Textured finish Rectangle Dipped centre H2 x W10 x 13cm, Manufacturer: Marks & Spencer

Older Boys' Pure Cotton Denim Shorts, at Marks & Spencer
Comes with belt shown in image Practical and fashionable, these relaxed denim shorts make a great choice for warmer weather

Sleeveless Jacquard Spot Belted Dress, at M&S
Sleek and chic, this knee length dress is tailored to fit and flatter. A stylish choice for work or smart occasions

Pure Cotton Camouflage Shorts with Belt, at Marks & Spencers
Relaxed and comfortable, these 3/4 length cotton shorts make a practical, fashionable choice

Single Sprung-edge Divan with 1 Small + 1 Large Drawer & M100 Mattress, at Marks n Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 21cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Platinum Plated Princess Cut Sparkle Stud Earrings, at Marks & Spencer
Princess cut Sparkle effect Butterfly fastening Platinum plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Panasonic SC-PT170 DVD Home Cinema Sound System, at Marks & Spencer
Whisper-mode surround 1080p Up-Conversion with HDMI 6 speakers Number of Output Channels: 5 + Subwoofer (5.1) Dolby Digital Decoder Total Wattage: 300W (RMS) Dolby Digital + DTS MP3 & DivX playback Super Video CD, Video CD Playback Dolby Pro Logic II Advanced Progressive Scan (PAL/ NTSC) Front speaker dimensions: W9.2 x H12.8 x D8.1cm Centre speaker dimensions: W12.5 x H9.4 x D8.1cm Surround speaker dimensions: W9.2 x H12.8 x D8.1cm Subwoofer speaker dimensions: W13.6 x H33.9 x D21.3 cm Television Signal System: PAL & NTSC USB Interface DVD and CD player

18 Oak Smoked Salmon Appetisers, at M+S
18 pieces Serves 4 Ready to eat Suitable for freezing 180g As featured on page 10 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

Portfolio Pure Linen Sleeveless Shift Dress, at M & S
This fresh fashionable dress in cool pure linen is beautifully styled and detailed with contrast trim and waistline

Autograph Patent Leather High Heel Buckle Shoes, at Marks & Spenser
Round toe Buckle feature Slip on Stitch detail High heel Heel height: 80mm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Long Length Cross Panel Skirt, at Marks and Spenser
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

Enamel Biscuit Barrel, at Marks & Spencer
Detachable lid with handle 'Biscuits' motif Dimensions: H20 x Diam 16cm, Manufacturer: Marks & Spencer

5 Pairs of Plain Sports Socks with Cool&Fresh, at MarksandSpencer
Soft and comfortable, these cotton rich sports socks are naturally breatheable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

White Ceramic Collection Soap Dispenser, at Marks and Spencer
Pump action H20 x Diam 10cm, Manufacturer: Marks & Spencer

Pure Wool Long Sleeve V-Neck Jumper, at Marks and Spencers
Soft and cosy, this v-neck jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

Fashion Targets Breast Cancer Keyring, at Marks & Spencers
Show you care with this Keyring supporting Fashion Targets Breast Cancer. The price of this product is donated to Breakthrough Promotions Ltd

Autograph Cotton Rich Jeans, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Congratulations Communion Multipack of 5 Cards, at Marks and Spencer
Cover text: Congratulations on your Holy Communion Inside message: Blank for your own message Approx size: 120 x 120mm

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

M&S 2-Tier Steamer, at Marks & Spencers
5.6 litre capacity 800 watt 60 minute timer 2 detachable steaming compartments Power indicator Automatic shut-off Dimensions: H39 x D35cm 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

Small Cheetah Soft Toy, at Marks & Spensers
Suitable for ages 0-3yrs H15cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Petal Shoulder Bag, at Marks & Spenser
A floral detail makes this fashionable bag even more special. Give your look the Per Una twist!

Cotton Rich Velour Pull On Joggers, at Marks&Spencer
Relaxed and comfy, these casual joggers are made from cotton rich fabric and feature a ribbed waistband. A practical easycare choice

Pure Cotton Multi Stripe Hooded Cardigan, at Mark's & Spencer
The fun multi stripe design makes this hooded cardigan extra special. The soft cotton knit will keep him warm and comfy

Nice And Easy CD, at M&S
Album, Marks & Spencer

Pure Cotton Short Sleeve Palm Leaf Print Top, at Marks & Spencer
This short sleeve top will make a useful addition to your wardrobe. It features a pretty palm leaf print for a stylish casual look

M+S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Mark's & Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco:

• 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 Car 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.