Besides Marks&Spencer 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 Marks and Spenser 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.

When you're shopping at Mark's & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

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 MarksandSpencer are so useful. M&S Financial Services 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, 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.

Autograph Wool Blend Double Breasted Coat, 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

First Mummy's Day Card, at Marks and Spencers
Cover text: 1st Mummy's Day Inside message: A Special Day for a Special Mummy Approx size: 150 x 150mm

Dualit Vario 6 Slot Red Toaster, at M&S
Hand built in England - as identified by the individual assembler's mark on the base plate Designed for use in commercial kitchens Patented, award-winning ProHeat elements Mechanical timer to control toasting Capacity 2, 4 or 6 slices Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Adjustable inner wire guard to grip toast Replaceable/ repairable parts Easy cleaning with a stainless steel cover High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Concealed crumb tray Adjustable rear foot Dimensions: W46 x H21 x D22cm Weight: 5.1kg 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2" Longer Autograph Pure Cotton Plain Poplin Shirt, at Marks & Spensers
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

3 Piece Clear Cosmetic Bag Set, at Marks & Spencers
3 piece set Assorted sizes Transparent Contrast trim

Pure Cotton Washed Cargo Trousers, at Marks & Spencer
Relaxed and comfortable, these pure cotton cargos feature multiple pockets. A practical easycare style

Double Buckle Strap Briefcase, at Marks & Spenser
Smart, stylish and practical, this double buckle briefcase makes it easy to organise and carry your documents

Autograph Leather Zipped Washbag, at Marks and Spencer
Stylish and contemporary, this leather wash bag is a fashionable and practical must-have

Handcrafted Black Dots Mother's Day Card, at Marks & Spencers
Cover text: For a wonderful Mum Inside message: With lots of love Approx size: 178 x 126mm

Autograph Pleated Check Skirt with Wool, at Marks & 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

Pure Cotton Ribbon Pintuck Bedset, at Marks and Spenser
Ribbon detail Pintuck design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

M400 Mattress - Soft, at Marks and Spencer
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning Manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Autograph Cotton Rich Long Sleeve Butterfly Top, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

3/4 Sleeve Stripe Pintuck Top, at M+S
This fabulous 3/4 sleeve top features a stunning stripe design. A vibrant new look, perfect for this season

Pure Cotton Cat Print T-Shirt, at M & S
A cat print design makes this soft cotton top extra pretty

Fern Large 2 Seater Sofa, at Marks & Spencer
H98 x W220 x D98cm Seat: H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining Ecoflex™ foam - superior quality foam with a high density for added comfort and support, made with 80% recycled plastic bottles 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 Available with loose cushion covers 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 Feet are glides Includes 2 free matching cushions Available in Fairtrade certified cotton (cream coloured) All of our fabrics are treated with Stain-Defence& trade; - 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

Limited Collection Cotton Rich Button Shorts, at Marks & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from soft stretch cotton designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Per Una Lace Non-Padded Underwired Bra, at Mark & Spensers
Feminine and delicate, this stylish bra features stretch lace fabric and a floral lace trim. It's underwired and structured for great support and an enhanced natural shape. Pretty everyday fashion

Artificial Rose Spring Flowers with Ceramic Vase, at Marks and Spenser
Artificial roses in a ceramic vase Diameter: 36cm, Manufacturer: Marks & Spencer

Autograph Skinny Diagonal Stripe Tie, at Marks and Spenser
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

Lotus Flower Pot Pourri Bag, at MarksandSpencer
Floral scented assortment, Manufacturer: Marks & Spencer

Recycled Hollowfibre Outstanding Value 10.5 Tog Duvet, at Marks and Spenser
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating Non-allergenic Highest quality hollowfibre filling Pocket construction for even warmth 100% cotton cover and 230 thread count Soft & comfortable Comes in single, double and king sizes Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Blue Harbour Ultimate Grandad Collar Shirt, at Marks and Spencer
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

Philips QC5045 Hair Clipper, at M&S
Extra strong motor: Delivers the constant power you need to cut any hair type Heavy weighted Ultra silent Self-sharpening stainless steel blades 14 lock-in length settings (up to 41 mm) Special 1.6 mm stubble comb Safely cleans under the tap Lubrication for life Accessories: cleaning brush, charger

Robbie The Racing Car Book, at Marks and Spencers
Build the jigsaw track, wind Robbie up and watch him go ! This fun storybook has lots of things to spot, plus an amazing press-out jigsaw track and a wind-up car to play with

Maternity Straight Leg Trousers, at Marks and Spencer
Fashionable and modern, these straight leg trousers are designed to flatter you and your bump. The stretch waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Farmyard Chase Book, at M&S
''Mother Hen is sitting on an egg. One morning she pops off to find some grain to eat, and her egg rolls away - the farmyard chase begins! Horse, Pig, Sheep and Cow all try to help, but what will happen to Mother Hen's precious egg?''

7 Pairs of FreshFeet Stripe Socks with Silver Technology, at M+S
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Pure Cotton Short Sleeve Bone Shaker T-Shirt, at M&S
A practical, casual t-shirt in pure cotton featuring a bone shaker slogan and motif. A great value easycare style

Autograph V-Neck Colour Block Jumper, at Marks & Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

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 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 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.