Besides Marks&Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household 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 Household Insurance and Standard Household 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 & Spenser are so useful. M&S Financial Services financial products are, of course, designed to make M+S 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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 Household 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 Household 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.

Stainless Steel Ice Cream Scoop, at Marks and Spencer
Chunky handle Hanging loop, Manufacturer: Marks & Spencer

Pure Cotton Basic Jeans, at M&S
Comfortable and practical, these plain jeans are outstanding value!

Boned & Stuffed Pork Shoulder with Prosciutto, at Marks n Spencer
Serves 8-10 Ready to cook 1.96kg As featured on page 37 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Woodland Owl Cot Mirror, at Marks & Spencer
Suitable from birth Interactive cot owl Includes a mirror tummy, squeaker and crinkly wings Double lined for safety, the stuffing in this product is incorporated in an extra layer This product conforms to EN71 and the Toy Safety Directive H27 x W28cm, Manufacturer: Marks & Spencer

Older Boys' Bart Simpson Mule Slippers, at Marks&Spencer
Round toe Slip on Bart Simpson motif 'Bad boy' slogan THE SIMPSONS ™ & 2006 Twentieth Century Fox Film Corporation. All Rights Reserved

Silver Plated Glitter Stick Earrings, at Marks n Spencer
Hook fastening Single strand design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

4 Wood Veneer Placemats, at Marks & Spencer
Pack of 4 Curved edges L29.5 x W20.5cm, Manufacturer: Marks & Spencer

Portfolio Funnel Neck Belted Mac, at Mark's & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

3 Cool & Fresh Pure Cotton Assorted Colour Trunks, at Marks and Spenser
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Back To School Water Bottle, at Marks & Spencer
Plastic dust cap Screw top for easy refill Aluminium bottle

Ashton Bedstead, at Marks & Spencers
Headboard: H111.5cm Endboard: H69cm Underbed: H28cm Single: L201 x W101cm Double (4ft 6''): L201 x W147cm King size (5ft): L201 x W162cm Mattress sold separately Made from solid poplar and rubberwood 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 Delivered flatpack due to size 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

Pure Cotton Floral Print Knee Length Skirt, at Marks & Spencer
Smart and modern, this pure cotton skirt is a look you'll love. Stylish, practical and fashionable

Hannah Montana Range A4 Document Wallet, at Marks & Spencer
1 document wallet Approx size: 213 x 299mm Disney

Hand Finished Traditional Scene Mother's Day Card, at Marks and Spencer
Cover text: To a dear Mum... May this Mothering Sunday be filled with as much happiness as you give to those around you... Inside message: With love Approx size: 178 x 126mm

Autograph Pure Silk Multi Stripe Tie, at Marks & Spensers
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Autograph Merano 1 Seater Unit (No Arms), at Marks & Spencers
H84 x W76 x D102cm Seat H47cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 Glide feet with a dark 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

Honey Tree Cabernet Merlot 2007 - Case of 12, at M & S
Style: Medium bodied Grape variety: Cabernet Sauvignon & Merlot Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Essentials Long Sleeve Jumper with Merino Wool, at Mark & Spencers
A touch of fine merino wool adds softness and warmth to this modern long sleeve jumper. Exclusive, luxurious and beautiful

Hoppy Birthday Frog Age 3 Birthday Card, at Marks and Spencer
Cover text: Hoppy birthday! Inside message: Have a great day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Wrap Platter, at Marks & Spencer
Contains 18 pieces Serves 4-6 5 different sandwich fillings Ready to eat As featured on page 9 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Per Una Long Sleeve Crochet Blouse, at Marks & Spencers
A feminine v-neck self stripe blouse featuring a crochet detail and rear tie fastening

3 Authentic Woven Pure Cotton Stripe Assorted Boxers, at Marks & Spencer
Made from soft breathable cotton, these comfy boxers are ideal for everyday wear

Toshiba Satellite L300-1DI Laptop, at Marks and Spencers
Processor: Intel Core™2 Duo processor T6400, Intel GM45 Express chipset and Intel WiFi Link 5100, 2.00 GHz clock speed, 800 MHz front side bus, 2 MB 2nd level cache Memory: 3,072 (2,048 + 1,024) MB, 8,192 MB maximum expandability, DDR2 RAM (800 MHz) Hard Drive: 250 GB (S.M.A.R.T) Display: 15.4 '' Toshiba TruBrite WXGA TFT High Brightness display Operating System: Genuine Windows Vista Home Premium 32-bit Edition (pre-installed, Toshiba-HDD recovery) Graphics Card: Mobile Intel GMA 4500MHD, up to 1,340 MB total available graphics memory with 4 GB system memory DVD Super Multi Drive (Double Layer) : CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-R, DVD-R(DL), DVD-RW, DVD+R, DVD+R(DL), DVD+RW, DVD-RAM Expansion: 2 x memory slots (1 to configure), 1 x ExpressCard slot Interfaces: 1 x DC-in, 1 x external monitor, 1 x RJ-11, 1 x RJ-45, 1 x external microphone, 1 x headphone (stereo), 1 x integrated VGA Web Camera with built-in microphone USB Ports: 3 (Left 2, Right 1) x USB 2.0 Connectivity: Wi-Fi™, Wireless LAN (802.11a/g/Draft-N), Fast Ethernet LAN 10BASE-T/100BASE-TX international V.90 modem (V.92 ready) 56 Kbps data and 14.4 Kbps fax Bundled software: Toshiba Disc Creator, Toshiba User's Manual, Supervisor Password Utility, Toshiba Assist, Chicony Camera Assistant Software, Toshiba DVD Player, Ulead DVD MovieFactory for TOSHIBA, Toshiba Face Recognition, McAfee Internet Security Suite - Toshiba Edition (includes free Internet updates for 30 days), Toshiba Recovery Disc Creator, Toshiba Value Added Package (Toshiba Power Saver, Toshiba Zooming Utility, Toshiba PC Diagnostic Tool, Toshiba Flash Cards, Toshiba Components Common Driver, Toshiba Accessibility, Toshiba Button Support), Microsoft Works, Microsoft Office Home and Student 2007 (free 60-day trial), Google Software (Google Toolbar for Internet Explorer, Google Desktop, Picasa), Connectivity Doctor, ConfigFree™, Toshiba utilities and drivers Toshiba EasyMedia : Toshiba TEMPRO Performance Tuning Service, Smart Display Support, Toshiba Flash Cards, Wireless LAN (802.11a/b/g/ Draft-N), Built-in camera & microphone, Diversity Antenna, Toshiba ConfigFree™, Internal HD 720p support Security features : McAfee Internet Security Suite - Toshiba Edition (includes free Internet updates for 30 days), Toshiba Value Added Package (Toshiba Power Saver, Toshiba Zooming Utility, Toshiba PC Diagnostic Tool, Toshiba Flash Cards, Toshiba Components Common Driver, Toshiba Accessibility, Toshiba Button Support) Dimensions : W362 x D267 x H33 (front) / 37.7 (rear) mm Weight : starting at 2.49 kg 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

Per Una Fuzzy Spot Print Dress, at Mark & Spensers
A feminine spot print dress featuring ruched bustline and fuzzy spot print

Percy Pig Cushion, at Marks and Spencer
Percy pig design Round shape Matching items available Diam 35cm, Manufacturer: Marks & Spencer

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at Marks & Spencers
Fun and practical, this cute 2-piece outfit features a giraffe print. It's made from soft pure cotton to keep him comfy. Part of our fabulously stylish Limited Collection

Cotton Rich Velour Stripe Hooded Jacket, at Marks & Spencer
Soft and comfy, this hooded jacket is made from velour and features stripe design. An easycare essential with a stylish look.

Funky Faux Snakeskin Watch, at Mark's & Spencer
Round face Analogue Faux snakeskin print strap Adjustable strap

Leon Jackson - Right Now CD, at Marks & Spenser
Audio CD, Marks & Spencer

Handmade Outfit 40th Birthday Card, at Marks & Spensers
Cover text: 40 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 Approx size: 175 x 126 mm

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the M+S online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Household Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.