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

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

Sonoma Dark 3-Drawer Bedside Chest, at M&S
H60 x W45 x D45cm 3 drawers 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 Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer 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

Pure Cotton Long Sleeve Pintuck Shirt, at Marks & Spencer
This fashionable long sleeve shirt is made from pure soft cotton that looks and feels great. Modern styling pintuck front detail gives it a cool contemporary edge

Valentine's Day Tissue Pack with Stickers, at Marks & Spensers
Contains: 3 sheets tissue and 10 stickers Approx size: each sheet 500 x 700mm

Ingredients Sicilian Lime & Bergamot Bath Cream, at Marks and Spencer
Sicilian lime & bergamot fragrance 500ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Sodium Chloride, Laureth-4, Polysorbate 20, Parfum, Sodium Styrene/Acrylates Copolymer, Benzophenone-3, Disodium EDTA, Limonene, Linalool, Citrus Aurantium Dulcis Oil, Triethylene Glycol, Benzyl Alcohol, Citrus Aurantium Bergamia Oil (Bergamot Oil), Propylene Glycol, Alcohol Denat. Citrus Aurantifolia Oil (Lime Oil), Sodium Lauryl Sulfate, Litsea Cubeba Berry Oil, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, CI 19140, CI 42090

Single Breasted 3 Button Peplum Jacket with New Wool, at Marks & Spensers
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions

Sonoma Dark Dining Table & 6 Alton Fabric Dining Chairs Set, at Mark & Spensers
7 piece set Table: H76 x L180 x W100cm Extends to L230cm Seats 6 people, comes with extension leaf to seat 8 Extension leaf can be stored beneath the table top Chair: H99 x W46 x D56cm Chairs made from solid walnut with fabric 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 Chairs made from solid wood 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

Pure Cotton Fine Rib Runner, at Marks&Spencer
Ribbed design Plain, Manufacturer: Marks & Spencer

Stretch Cotton Belted Skinny Jeans, at Marks & Spencers
These skinny jeans in stretch cotton are great value. A practical, easycare style

Collezione Chronograph Circular Face Watch, at Mark & Spensers
Round face Chronograph detail Analogue Wind-up mechanism

Petite Baby Elephant Bookend, at Marks and Spencers
Suitable for ages 0-3 years This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Halterneck Tankini Top, at Marks and Spencer
Feminine and pretty, this fashionable tankini features a contrast empire line. A stylish, shapely look

Stain Defence™ Pleated Pinafore, at Marks & Spensers
This pleated pinny features a long zip that makes it easier for her to dress and she'll love the flattering shape. It's treated with Stain Defence™, a high performance finish which repels stains

Gingerbread Man Pastry Cutter, at Marks & Spencers
Gingerbread man design, Manufacturer: Marks & Spencer

Ontario Large Camoflage Holdall, at Marks & Spenser
There'll be no things that go bump in the night with this easy to transport trolley bag. Supported by sturdy wheels and a stand-alone feature, it is the ideal option for short trips or flying abroad

Lavender Scented Spheres, at Marks & Spencers
Lavender fragrance Assorted decorative fragranced spheres, Manufacturer: Marks & Spencer

Pure Cotton Dog Motif Jumper, at Marks & Spencers
Knitted in pure cotton, this cute assorted colour jumper will keep him warm and comfy. It looks cuddly too!

Leather Square Buckle Belt, at Marks & Spencer
Define your waistline with this fashionable leather belt

Pure Wool Pebble Rug, at MarksandSpencer
Rectangle shape Textured design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Smooth Cup Padded Bra, at M & S
Sleek and stylish, this exceptionally soft, comfortable bra is perfectly smooth, so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Craft and Foil 40th Card, at Marks and Spenser
Cover text: Forty 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 126mm

Vienna Collection - Floor Lamp, at Marks and Spencer
Facetted glass curtain shade Chrome plated base Round base Dimensions: H161 x Diam 40cm Bulb: 100W GLS or 21W CFL, Manufacturer: Marks & Spencer

Pure Merino Wool Roll Neck Jumper, at Marks & Spencers
Modern and stylish, this roll neck jumper is made from fine merino wool for luxurious warmth and softness

125 Years Gift Card, at Marks and Spencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online 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

Pearl & Silver Type Sister-In-Law Birthday Card, at Marks n Spencer
Cover text: To my sister-in-law happy birthday Inside message: Blank for your own message Approx size: 175 mm x 126 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Autograph Pure Cashmere Block Stripe Wrap, at Marks & Spencers
Sophisticated and modern, this block stripe wrap is made from pure cashmere for the ultimate in luxuriously soft knitwear

Maxim Champagne Flute, at M+S
Tinted glass Slim stem H23cm 18cl, Manufacturer: Marks & Spencer

M&S Cordless Conference Phone with Answering Machine, at M+S
Wireless conferencing HD Sound Phone book - stores 100 names and numbers on each unit Talk time - up to 10 hours Standby - up to 100 hours Speakerphone - talk hands-free Caller display - identify your caller before answering 10 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answer machine with up to 12 minutes recording time Unique styling - stunning design with colour display ECO mode - low energy consumption Operating range: 300 metres outdoors, 100 metres indoors Display: Colour display with a choice of 2 wallpapers This product is not available for international delivery. Find out more

Older Girls' Heart Print Dressing Gown & Socks, at Marks and Spencer
The heart print makes this soft fluffy dressing gown so cute

Cotton Rich 3/4 Sleeve Slash Neck Jumper, at Marks & Spencer
Contemporary and casual, this 3/4 sleeve jumper is made with cool comfortable cotton and features a slash neck for a fashionable look

5 Pairs of Cotton Rich Week Days Trainer Liner Socks, at Marks and Spencer
Comfy and practical, these soft cotton rich socks are designed to hide neatly inside trainers

There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spencer Standard Car Insurance. With M&S Finance you can keep the cost of your Car 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 Car Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencers, 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 Car Insurance from M&S Finance, you get more, and you pay less.