Besides Marks and Spencers Car 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 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 Financial Services 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 Marks and Spenser 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, 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 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

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 and Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Silver Plated Mosaic Leaf Necklace & Earrings Set, at Marks & Spencer
2 part set Hook fastening drop earrings Pendant necklace with adjustable length Mosaic leaf design Necklace length 40cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Pure Cotton Long Sleeve Block Stripe Jumper, at Marks & Spenser
Relaxed and casual, this long sleeved jumper is made from comfortable pure cotton and features a block stripe design. A practical easycare style

Wool Rich Single Breasted 2 Button Blazer, at Mark & Spencers
The urge to look corporate, sleek and commanding has given way to the revival of the classic single breasted jacket. Complemented by a two button front and tailored cut, the clean lines of this sharp piece transmits a sense of style and understated elegance

Autograph Pure Silk Christening Gown, at Marks and Spencers
Beautifully embellished with a pleated bodice, this special dress is so pretty. The soft silk will keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

3 Pastry Cutters, at Marks and Spencer
3 sizes Arched handle, Manufacturer: Marks & Spencer

Golf Lite Umbrella, at Marks and Spencer
Don't let rain ruin your game, this large umbrella gives great protection from the elements

Footglove™ Leather Wide Fit Bow Wedge Shoes, at Marks & Spenser
Round toe Slip-on Bow and stitch detail Mid wedge heel Heel height: 56mm Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Wedding Gift Card, at Marks and Spencers
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

Older Boys' Pure Cotton Chinos, at M&S
Comes with belt shown in image A stylish smart-casual look, these straight leg chinos are outstanding value! They're made from pure cotton which is comfortable, practical and easycare

Ultimate Non Iron Royal Oxford Shirt, at Marks and Spencers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Metal Gem Bud Photo Frame 13 x 18cm (5 x 7"), at Marks & Spensers
Metal bud design Aperture 13 x 18cm (5 x 7 in), Manufacturer: Marks & Spencer

2 Autograph Tartan Bow Clips, at Marks n Spencer
Dress up those tresses in fabulous style with these pretty bow clips

Autograph Babylon Collection Shade, at MarksandSpencer
Tapered design 20 x 50 x 50cm, Manufacturer: Marks & Spencer

Velour Wide Leg Trousers, at Mark's & Spencer
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Cashmilon™ Long Sleeve V-Neck Jumper, at Marks and Spencer
Fashionable and flattering, this plain jumper is made from supersoft cashmilon™ and features a v-neck

Per Una Flower Shadow Blouse, at Marks and Spencer
A beautiful short sleeve blouse in pure soft cotton. Pintuck details give it the Per Una touch

Flock Leaf Pencil Pleat Curtains, at Marks & Spencer
Manufacturer: Marks & Spencer

Pure Linen Pintuck Bib Dress, at Marks & Spencers
This fresh fashionable dress in cool pure linen is beautifully styled and detailed with pintucked bib feature

Wave Bedset, at Marks and Spencers
Manufacturer: Marks & Spencer

Mock Crocodile Leather Bag, at Mark's & Spencer
A gorgeous fashion accessory as well as a practical piece of luggage, this overnight bag is made from leather with a mock croc design. It has a 28 litre capacity and comes with a detachable shoulder strap and padlock

Hellboy Blu-ray DVD, at Marks & Spencer
Rating Suitable for 12 years and over,

Blossom Tree Embroidered Curtains, at Marks & Spencer
Manufacturer: Marks & Spencer

Autograph Straight Leg Jeans with Belt, at Marks & Spencers
Aim for a must-have retro inspired look with the sandblasted wash and stylish whiskering of these contemporary five pocket jeans. Step out in style by teaming them with a slim cut blazer and pinstripe shirt

Per Una Wool Blend Single Breasted 3 Button Jacket, at Marks & Spensers
A fashionable single breasted jacket in soft wool blend fabric featuring three button fastening

Medium Silver Bursts Gift Bag, at Marks and Spencers
1 gift bag with tag Double handle Circle spot design

Autograph Rose and Freesia Gift Bag, at Marks & Spencer
This fabulous array of lavendercoloured Coolwater roses and scented freesias is wrapped in frosted Autograph™ cellophane and presented in a chic gift bag Available for delivery from 1st April to 30th September 2009

Philips RQ1051 Electric Shaver, at M&S
Flex and pivot action: Three independently flexing heads in a shaving unit that swivels with full range of motion. This unique combination ensures optimum skin contact in curved areas to catch even the most problematic neck hair Tripletrack shaving heads: The three shaving tracks of the Triple-Track shaving heads offer 50% more shaving surface than standard, single track rotary shaving heads Precision cutting system: Ultra thin heads with slots to shave the long hairs and holes to shave even the shortest stubble Super lift and cut technology: The dual blade system lifts hairs to cut comfortably below skin level Precision tube trimmer: Patented tube trimmer technology for great precision and manoeuvrability. Perfect for contouring and trimming moustache and sideburns Can be easily rinsed under the tap Corrosion free heads Travel lock feature Battery status indicator Shaving unit replacement indicator Accessories: charging stand, protection cap, cleaning brush

Classic Collection Knitted Cut Work Cardigan, at Marks & Spensers
Soft and comfortable, this cut work detail cardigan is ideal when you need a light extra layer. The colour complements the rest of this season's Classic collection, making it easy to coordinate outfits

Floral & Polka Dot Thank You Cards - Pack of Ten, at MarksandSpencer
Inside message: Blank for your own message 10 cards, 1 design Approx size: Unfolded: 155 x 110mm

High Impact Padded Crop Top, at Marks & Spencers
Comfortable and secure, this padded sports bra gives firm, gentle support for active wear

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 & Spenser are so useful. M&S Financial Services 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, Property Insurance policies. Usually, UK Property 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 Financial Services Property 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 Financial Services Property Insurance than you will anywhere else, and you may even pay less with M&S.