Besides Marks and Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 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 & Spensers purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.

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 Spencers 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&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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

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 Mark & Spensers are so useful. M&S Financial Services financial products are, of course, designed to make Marks and 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 Financial Services 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

2 Mini Limited Velour Jogging Bottoms, at Marks&Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Per Una Twill Panelled Skirt, at Marks & Spencer
A fashionable mid-calf length skirt in soft cotton blend featuring twill design and rear frill hem detail

Chunky Knitted Cushion With Recycled Filling, at Marks and Spencer
Chunky knit 3 button detail 50cm X 50cm, Manufacturer: Marks & Spencer

Gardening Male Cake, at Marks & Spensers
36 portions Chocolate cake: A rich chocolate cake filled with milk chocolate ganache 20.5cm square 1.95kg total weight Chocolate cakes can be eaten up to 5 days after collection As featured on page 64 of the Food to Order brochure Not suitable for nut allergy sufferers Suitable for vegetarians Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Sun Formula Self Tan Body Applicator Mitt, at Marks & Spenser
Makes self tanning easy Smooth streak free application Use with self tan cream, lotion, mousse or spray This product is not available for international delivery. Find out more

Pure Cotton Short Sleeve Pyjamas, at Marks & Spensers
Fashionable and practical, these scallop trim pyjamas are made from soft breathable cotton for a comfortable night's sleep

Pure Cotton Unisex Jumper, at Marks and Spencer
Smart and comfortable, this V-neck jumper is outstanding value. It's made from pure soft cotton, a natural choice for everyday wear

Stripe Trim Bikini Top, at Marks & Spencers
Fashionable and comfortable, this stylish stripe trim bikini is underwired for a flattering, supported shape. Look your best on the beach!

Ultimate Brain Puzzle Book, at Marks & Spenser
Flex your brain power with this Ultimate Brain Puzzle Book. It features 700 brain training exercise and includes a pen too

3 Cool & Fresh Plain Trunks, at Marks & Spencers
Spring is all about feeling fresh. This underwear is pure cotton with added moisture management, which helps keep you cool and fresh all day

Handcrafted Watercolour Flower in Vase Mother's Day Card, at Marks & Spencer
Cover text: Mum for you Inside message: Have a lovely time on Mother's Day Approx size: Unfolded: 178 x 126mm

DD-G Ditsy Embroidered Underwired Bra, at Marks and Spencer
Soft and comfortable, this bra is specially designed for fuller busts. It's underwired and structured to give great support and a flattering enhanced shape

Linen Blend Pinstripe Straight Leg Trousers, at Marks & Spencer
Sophisticated and elegant, these tailored trousers are detailed with a prinstripe design. A fashionable choice for work or formal occasions

Water Resistant Digital Sports Watch, at Marks & Spensers
Ideal for sports, this stylish watch looks great with casualwear too

Dualit Dome Kettle - Cream, at Marks and Spencer
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm 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

Twin Bunnies in Stockings New Baby Card, at Mark's & Spencer
Cover text: Congratulations... it's Twins! Inside message: Wishing you lots of happiness with your two bundles of joy! Approx size: Unfolded: 178 x 126mm

Hollowfibre Outstanding Value 13.5 Tog Duvet, at M+S
13.5 tog Suitable for cooler months or colder rooms or those who prefer a warm, snug duvet 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

Younger Girls' Stripe Hat & Scarf Set, at Marks and Spencer
Snug and cosy, this striped hat and scarf set is a fashionable choice for chilly weather

Velvet Soft Pressed Powder, at Marks and Spencers
Pressed powder 2 shades available Hypo-Allergenic Comes in square compact

Domaine Vincent Sauvestre Chablis 2007 - Case of 6, at Marks & Spensers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Per Una Roma Bootleg Patent Belt Jeans, at Marks and Spencer
Comes with belt shown in image A modern pair of bootleg jeans in stretch cotton and finished with a stylish patent belt

Dualit Blender - Chrome, at Mark's & Spencer
500 Watt heavy duty motor 1.5 litre jug capacity Ice-crushing/smoothie function Removable blades for user safety and ease of cleaning Patented safety interlock system for blades - prevents the blades from rotating unless both glass jug and lid are in place Variable speed control Non-slip suction feet Cord storage Removable component in the lid which acts as a measuring cup for small quantities of ingredients Pulse/turbo feature Weight: 5 kg Dimensions: W16 x H37 x L21 cm 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

Vintage Style Congratulations Birthday Card, at Marks and Spenser
Cover text: Congratulations 1 year older, One less to worry about, Let's Celebrate! Inside message: Happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Portfolio Panelled Pencil Skirt, at Mark's & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Limited Collection Pure Silk Large Pocket Dress, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

2 Per Una Essentials Clover Embroidered Thongs, at Mark's & Spencer
Feminine and delicate, this pack of 2 stylish thongs feature a delicate front panel in soft stretch lace. The high leg style gives a close, figure-flattering fit. Pretty everyday fashion

Willowbank Semillon Chardonnay 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape Variety: Semillon, Chardonnay Country of origin: Australia Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

2 Pure Cotton Long Sleeve Stripe Tops, at Marks & Spencers
Cute and comfy, these fashionable tops are made from soft cotton

Autograph Antique Leather Wallet, at Marks and Spencer
Smart, stylish and practical, this antique leather wallet makes it easy to organise cards, notes and coins

Collezione Wool Rich Single Breasted 2 Button Plain Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers 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 Home 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 MarksandSpencer, 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.