Besides Marks and Spencer Car 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 Marks and Spenser 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 Marks and Spencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks and Spencer 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.

M&S Money Direct 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 Car 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; Car Insurance and Home 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 Home 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 Money Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Lilac Cherry Blossom Medium Gift Bag, at M&S
1 gift bag Approx size: H260 x W180 (at base) x D120 mm

Autograph Exclusive 3 Piece Long Sleeve Shirt & Waistcoat Set, 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

Château de Balan Bordeaux 2006 - Case of 12, at M&S
Country of origin: France Grape variety: Medium Bodied Closure: Natural cork 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

Diamond Pointelle Short Sleeve Top, at Marks and Spencer
For a stylish extra layer this winter, this comfy short sleeve top combines warm easy care fabric with a pretty pointelle pattern. A truly feminine choice

Compton Glazed Top & Sideboard Set, at M+S
H204.5 x W174 x D55cm Glazed unit has 3 shelves each side and toughened glass doors Sideboard has 2 cupboards and 4 drawers Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Side panels, door panels, back panels made from oak veneer Top panels made from oak veneer with a solid oak edging for strength Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs and doors 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

DeLonghi Icona Kettle - Silver, at Mark & Spencers
1.7 litre capacity Rapid boil 3kW cordless kettle Stylish silver finish 360 swivel base with cord storage Water level indicator Auto shut-off when water begins to boil Removable, washable scale filter Cord storage Non slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Damask Pure Cotton Leaf Pattern Tablecloth, at Marks n Spencer
Damask design Leaf pattern, Manufacturer: Marks & Spencer

Rose Net Hold Ups, at Marks and Spencer
Treat your legs to a touch of style. These rose net hold ups have a durable reinforced design to keep them looking good, wear after wear

2 Mosaic Stackable Chairs, at Marks & Spencers
H96 x W56 x D56cm Sold as a pair Metal frame Polyester seat pads included Suitable for indoor and all-weather outdoor use Individually hand crafted Please note that this range uses natural stone and grouts and therefore the colours within the products may vary from those shown and may change over time This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Velour Hooded Stripe Zip-Up Top, at Marks & Spencers
Stylish and practical, this great looking hooded top is comfortable, easycare and easy to move around in

Pavilion Cereal Bowl, at Marks and Spencer
Round shape Stripe detail Height 5.5 cm, diameter 16.5cm, Manufacturer: Marks & Spencer

Lichfield 2-Door Glazed Top Unit with Lights, at Marks and Spencers
H112 x W109 x D43cm 2 adjustable toughened glass shelves Fitted low voltage interior lighting Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wide Leg Jersey Trousers, at Marks and Spenser
Greater choice of leg lengths now available Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Corner Grps - N ABB CNR BRONCO, at Marks & Spensers
Manufacturer: Marks & Spencer

Gold Plated Knot Stud Earrings, at M+S
Butterfly stud fastening Knot design Diamant detail

Sleeveless Active Performance Vest, at Marks & Spensers
Ideal for active wear, this Performance vest incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement.

Total Support Satin Band Bra, at Mark & Spencers
Soft and comfortable, this non-wired bra gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Heart Hairbands, at M & S
Tie back those tresses in style with these cute and colourful hairbands

Pure Cotton 2 Piece Blanket Bale, at Marks and Spencers
2 piece set Stripe design blacket with embroidered trim Knitted plain textured blanket, Manufacturer: Marks & Spencer

M&S Flush Wall Mount for 21-26'' TV, at Marks & Spencer
Fits LCD and TFT screens from 21-26 inches Flush to wall mount VESA compliant for 75, 100 and 200 standard fittings Simple two-part assembly All fixings supplied Dimensions: H28.5 x W29 x D8.5cm This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

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

Sonoma Dark 2-Door Glazed Top Unit, at Marks and Spencer
H110 x W123 x D33cm Internal lights with on/off switch 2 adjustable glass shelves Glass doors and shelves are made from safety-tested toughened glass This top unit is designed to sit on the Sonoma Dark 2-Drawer Sideboard. Click hereto view the Sideboard 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 with White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this top unit as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

Gold Plated Art Nouveau Pendant Necklace & Earring Set, at Marks & Spencer
2 part set Butterfly fastening stud earrings Clasp fastening necklace with adjustable length Art Nouveau design

Signature Natural Cotton Diffuser Refill, at Marks & Spencer
Lasts up to 75 days Changeable fragrance 15ml of fragranced liquid This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Freshfeet Suede Leather Mule Slippers, at Marks & Spencers
Round toe Faux fur lined Toggle feature Mule style With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Autograph Weekend 3/4 Sleeve Pintuck Bib Top, at Marks & Spencer
Stylish and sophisticated, this 3/4 sleeve top is cut to flatter and features pintuck bib design for a modern look

Adjustable Task Collection - Table Lamp with Green Shade, at Marks & Spensers
Antique-effect brass finish Adjustable height Conical shade, Manufacturer: Marks & Spencer

Fraser Armchair, at Marks and Spencer
H99cm x W107cm x D102cm Seat: H48cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Large Rose & Lily Bouquet Bundle with 50% Extra Roses Free, at Mark's & Spencer
Receive 50% extra roses free on orders until 22nd August 2009 An elegant combination of stunning oriental lilies, roses, sweet akito with red top cordyline with 50% more blooms than the Rose and Lily bouquet. A vase and free 310g luxury Belgian chocolates make this an extra special giftAvailable for delivery between 1st April to 30th September 2009

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 & 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 Mark's & Spencer, through its M&S Money Direct 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.