Besides Marks & Spenser Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct 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 Direct 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 Direct 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.

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 M&S are so useful. M&S Money Direct 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 Direct 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 Direct Home Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using M&S Money Direct. Not least of these is Mark & Spencers Standard Motor Insurance. With M&S Money Direct 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 Money Direct, 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 Finance, you get more, and you pay less.

First Readers The Elves and the Shoemaker, at Marks & Spenser
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page

Autograph Copper Base 14cm Milk Pan, at Mark's & Spencer
Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles with silicone inserts for comfort and safety Hand wash only Diam: 14cm Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Perfect 60 Denier Opaque Tights, at Marks and Spencers
Bold, colourful opaques are the perfect way to give any outfit this season's look. Pick up your pair today

Dinosaur Toy, at Marks and Spencer
4 different dinosaurs available: Stegosaurus, Brontosaurus, Tyrannosaurus Rex, Triceratops Please note you will only recieve one dinosaur at random This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Floral Print Jersey Top, at Marks & Spencers
Chic and modern, this short sleeve top is made from cool comfortable cotton and features a floral print

Fruity Beauty Bath Marbles, at Marks & Spenser
Shocking Raspberry Ingredients:Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, CI 16255 Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3,Parfum, Aqua, thylparaben,Cl 42090, CI 16255 Wowee Plum Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3,Parfum, Aqua, Ethylparaben, CI 45430, CI 42090 Luscious Lime Ingredients:Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, CI 42090, CI 19140 Zingy Lemon Ingredients:Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, Limonene , CI 19140 Funky Orange Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Funky Orange Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Funky Orange Ingredients: Paraffinum Liquidum, Isopropyl Myristate, Gelatin, Glycerin, Laureth-3, Parfum, Aqua, Ethylparaben, CI 19140, CI 16255

Blue Harbour Pure Linen Block Stripe Shirt, at Marks n Spencer
Relaxed and stylish, this block stripe shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Photographic Roses Wife Anniversary Card, at M&S
Cover text: To my gorgeous Wife Inside message: All I'll ever want is just to be with you, Happy anniversary Approx size: Unfolded: 176 x 126mm

Crinkle Coin Purse, at Marks & Spensers
Flash your cash in style! Fashionable and functional, this coin purse features a crinkled faux leather texture

Older Girls' Tatty Teddy Pure Cotton Mule Slippers, at Marks & Spencers
Mule style Round toe Slip on Flat sole Tatty Teddy motif Carte Blanche Greeting Ltd 2005

Easy Iron Poplin Long Sleeve Shirt, at Marks and Spencer
Smart and stylish, this formal shirt features an odour fighting stayfresh finish that makes it easy for you to stay cool, crisp and comfortable throughout the day

Metallic Floral Medium Gift Bag, at Marks and Spencers
Ribbon handles Metallic gift tag 1 gift bag Approx size: H260 x W200 x D90mm

Satin Rose Floral Cushion, at Marks & Spencer
Square Texture floral design L43 x W43cm, Manufacturer: Marks & Spencer

4 Linen Mugs - Sage, at Marks & Spensers
Set of 4 H 11cm Linen floral print, Manufacturer: Marks & Spencer

Red Wine, Chocolate & Rose Basket, at Marks and Spencers
The perfect basket of treats for a loved one! Includes a giftwrapped cream rose plant, a bottle of French red wine and a box of tempting chocolates Available for delivery from 1st April to 30th September 2009

Sentimental Words Aunt Birthday Card, at Marks and Spencers
Cover text: The stuff we do together is always lots of fun... And when it comes to special aunts, you're surely number one! Inside message: Have a very happy birthday Approx size: 178 x 126 mm

Pure Cotton Zip-Up Hooded Sports Top, at Mark's & Spencer
Ideal for sports and PE this hooded top is made from pure cotton so it's comfortable, breathable and absorbent

Daughter and Son-in-Law Large Wedding Card, at Marks and Spencers
Cover text: To a Special Daughter and Son-in-Law Inside message: With love on your wedding day Approx. size: 220 x 220mm

Autograph Top Strap Buckle Boots, at Marks and Spencer
Round toe Mid heel Top strap buckle feature

Floral Print Swim Shorts, at Marks&Spencer
Sure to make a splash, these colourful shorts feature a floral print. The tie fastening waist helps give a secure fit. Fashionable, practical and easycare

Die Cut Letters Get Well Soon Card, at M & S
Cover text: Get well soon Inside message: Blank for your own message Approx size: 150 mm x 150 mm

3 Pack Round Neck T-Shirts, at Marks and Spencer
Stock up on essential t-shirts with this great value multipack in soft, comfortable cotton. Practical and easycare, they're a great choice for casualwear and for PE

Collezione Leather Hip Coin & ID Wallet, at Marks & Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Classic Collection Stitch Detail Long Skirt, at Marks and Spencer
Long and lovely, this flared skirt is a stylish, versatile choice.

Centre Crease Straight Leg Trousers, at M+S
Smart and stylish, these straight leg trousers make a great choice for work or formal occasions and they're machine washable for added convenience

Wallace and Gromit Calendar, at Marks and Spencer
Dimensions: 225 x 390mm and ™Aardman Animations Ltd. All rights reserved

Plain Crook Umbrella, at Marks and Spencers
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

Royal Jelly & Pure Honey Moisture Rich Handwash, at Marks & Spensers
Handwash Moisturising 200ml

6 Square Hair Clips, at M & S
Dress up those tresses in fabulous style with these colourful hair clips

Chrome Collection Mirror, at Marks & Spencers
Rectangular Wall mounted H50 x W35cm, Manufacturer: Marks & Spencer

M&S Money Direct 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 Money Direct 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, 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 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.