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

Also, on both M&S Financial Services 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.

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

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

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, 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 Motor 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Financial Services 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 Financial Services, 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.

Linen Blend Long Sleeve Pindot Shirt, at Marks and Spencer
Chic and modern, this long sleeve shirt is made from a cool linen blend and features a pindot design

Pure Silk Piped Cushion With Recycled Filling, at Mark & Spensers
Square shape Plain L50 x W50cm, Manufacturer: Marks & Spencer

3 Piece Stainless Steel Saucepan Set, at Marks and Spencer
3 pan set Glass lids 16cm saucepan - 1.3 litre capacity 18cm saucepan - 2 litre capacity 20cm saucepan - 2.7 litre capacity Riveted handles Encapsulated base for even heat distribution Suitable for all cooker and hob types, except induction. Not suitable for induction hobs, Manufacturer: Marks & Spencer

Silver Band Champagne Flute, at Marks & Spenser
Silver band Flute style Long stem Wide base Height: 27.5cm Capacity: 17cl, Manufacturer: Marks & Spencer

Bright Analogue Watch, at Marks & Spencers
Buckle fastening Round face Analogue

Pure Cotton V-Neck Floral Print Top, at Mark & Spensers
This short sleeved top will make a useful addition to your wardrobe. It features floral print for a stylish casual look

Blue Harbour Stormwear™ Pure Cotton Classic Jacket, at Marks and Spencer
A fashionable favourite, the classic jacket is given a modern update with contemporary styling

Younger Girls' Buckle Shoes, at Marks and Spencer
Round toe Single strap with buckle fastening Contrast lining Flat sole Comes in sizes 4-13

Natural Beauty Body Scrub, at Marks and Spencer
200ml Naturally fragranced

4 Linen Mugs - Beige, at Marks n Spencer
Set of 4 Linen floral print Height: 11cm, Manufacturer: Marks & Spencer

Wedding Gift Card, at Marks & Spenser
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Autograph Cotton Rich Knitted Dress and Tights Outfit, at Marks and Spencer
Practical and pretty, this cute knitted dress and tights 2 piece outfit is made from soft cotton to keep her feeling comfy and happy

Autograph Leather Whip Stitch Apron Loafers, at Marks and Spencer
Square toe Slip-on Stitch detail

Viva Coffee Table & Nest of Tables Set, at Marks and Spencers
3 piece set Coffee table: H40 x L85 x W50cm Nest of 2 tables: H47 x W51 x D40cm (largest table) Made from steel with a nickel finish Shelves are made from safety-tested toughened glass Delivered flatpack due to size. Delivered boxed to your door. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Pure Linen Single Button Jacket, at M+S
A fashionable single breasted jacket in pure cool linen featuring a turn up sleeve and single button fastening with detachable broach

Older Boys' Bart Simpson Fluffy Dressing Gown, at Marks and Spencer
A must for fans of The Simpsons, this soft fluffy dressing gown features the popular character

Stainless Steel Egg Separator, at Marks and Spencer
Stainless steel design Hanging hole L14cm x W9cm x H2.5cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Double Breasted Funnel Neck Coat, at Marks and Spencer
A fashionable double breasted coat in pure soft cotton featuring a funnel neck

50 Golf Tees In A Pouch, at Marks and Spencer
50 golf tees in a drawstring bag. Complete with karabiner clip, the pouch can be attached to any golf bag for convenience of use during a round

5 Pairs of Older Girls' Assorted Socks, at Marks & Spencer
Stock up on stylish essentials with this pack of 5 pairs of assorted design socks.

Furry Eyebrows Birthday Card, at Marks and Spenser
Inside message: Happy Birthday Approx size: 150 x 150mm

Autograph Pure Cotton Stripe Trousers, at Marks and Spencer
Fashionable and contemporary, these stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Typhoon Hat, at Marks & Spencers
Keep your cool in this wide brim sun hat, a summer and holiday essential

125 Years Cheery Families Game, at Marks and Spencers
Cheery families game Vintage style images Boxed, Manufacturer: Marks & Spencer

Padded Full Cup Pinstripe Bra, at Marks n Spencer
Stay on trend at every level with lingerie that looks the business, in this season's city-chic pinstripe

5 Pure Cotton High Leg Knickers, at Marks & Spensers
Indulge in serious comfort every day of the week with the breathable - and easy to care for pure cotton of these great value knickers. A high leg cut provides a flattering fit you'll adore

King Kong Blu-ray DVD, at Marks and Spencer
Rating Suitable for 12 years and over,

Adored Modal Blend Embroidered Nightdress, at Marks n Spencer
Stylish and elegant, this flattering long nightdress is part of our feminine Adored collection. It's made from the softest fabrics for the ultimate in comfort

Footglove™ Leather Wedge Heel Trouser Shoes, at Marks and Spencers
Square toe Stitch detail Gusset feature Slip on Wedge heel Heel height: 42mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Sonoma Dark Extending Dining Table & 6 Alton Leather Chairs Set, at Marks&Spencer
7 piece set Table: H76 x L180 x W100cm Extends to L230cm Seats 6 people, comes with extension leaf to seat 8 people Extension leaf can be stored beneath the table top Chair: H99 x W46 x D56cm Chairs made from solid dark stained oak with plain dark brown leather seat Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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