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 & Spencer 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.

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 & 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.

When you're shopping at Marks and 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 Home Insurance and Car Insurance, there's a lot more going on at Marks & Spenser 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."

Floral Print Hooded Snowsuit, at Marks and Spencer
Perfect for outdoor adventures, this snug snowsuit features a furry hood. Soft lining will keep her warm and comfy

Collezione Pure Wool Check 3 Button Jacket, at Marks and Spencers
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

Pure Cotton Check Shorts, at Mark & Spensers
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

3 Big & Tall Authentic RealCool Cotton™ Keyhole Trunks, at Marks&Spencer
Specially designed to keep you cool and dry, this high performance fabric ensures perspiration is drawn away from the body for rapid evaporation. Soft seams and added stretch create a snug, comfortable fit

Square Face Oblong Link Watch, at Marks and Spencer
Square face Oblong link belt Clasp fastening Wind up mechanism Analogue

5 Lace Bikini Knickers, at Marks & Spensers
With a low rise design making these the perfect partner for jeans and trousers, an easycare fabric and added stretch provides essential everyday comfort and convenience

Autograph Square Porcelain Soap Dispenser, at Marks and Spencer
H18 x W7 x D7cm Pump action Stripe design at the base, Manufacturer: Marks & Spencer

Trophy Exam Congratulations Card, at M+S
Cover text: You star! ... Exam congratulations! ... Congratulations! ... Congratulations! ... Congratulations! ... Congratulations! ... Congratulations! Inside message: Congratulations! Approx size: Unfolded: 174 x 126mm

Ashbourne Armchair, at Marks and Spencer
H99 x W114 x D104cm Seat H49cm, arm H65, top back rail H75cm 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 seat 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 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

Pure Cotton Short Sleeve Check Top with Necklace, at Marks and Spencers
A check design adds a pretty touch to this pure soft cotton top

Sonoma Dark Extending Dining Table, at Marks & Spenser
H75 x W100 x L180/230cm Extends to L230cm Seats 6 people Comes with extension leaf to seat 8 Extension leaf can be stored beneath the table top 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 Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood Delivered flatpack due to size 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 these chairs as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

Autograph Precision Tweezers with Pouch, at M&S
Contains 1 pair of tweezers Comes in an attractive pouch Presented in a box

Autograph Tuxedo Trousers, at M&S
Modern and stylish, these tuxedo trousers are ideal for proms, balls and special occasions. They're extra durable and added stretch keeps them in great shape and gives enhanced comfort and ease of movement

Per Una 3/4 Sleeve Twist Pleat Cardigan, at M&S
A fashionable 3/4 sleeve cardigan in textured fabric featuring a twist pleat design

Pure Cotton Quick Iron Button Down Oxford Stripe Shirt, at Marks and Spencer
Stylish and innovative, this pure cotton easycare shirt is quick and easy to iron for a smart crisp look

Grow Your Own Sprouting Seeds, at Mark's & Spencer
This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Single Estate Grenache Blanc 2008 - Case of 12, at Marks & Spensers
Style: Dry Grape variety: Grenache Blanc Country of origin: France Closure: Synthetic closure 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

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

Single Glasses - MAXIM WINE SGL, at Marks & Spencers
This eye-catching wine glass combines an elegant, simple stem with a burst of colour on the body

Generic Pencil Case, at Marks and Spencer
Circular design Zip fastening Oblong shape Circle tab feature Floral design

Curvy Glass Jug, at M&S
Curved design Solid handle 1.5 litre capacity H26cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Linen 3/4 Length Shorts, at Mark's & Spencer
Relaxed and casual, these fashionable3/4 length shorts are made from cool soft linen and feature side pockets

The Ponte Bootleg Trousers, at Marks and Spencers
Everyone needs a great pair of bootleg trousers. Flaring gently from the knees to balance curves, they're universally flattering and go with everything. These are made of fashionable ponte fabric and are a true wardrobe must have

Berry Crush Performance Vest, at Marks and Spencer
Ideal for active wear, this Performance top 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

Sleeveless Active Performance Vest, at Marks & Spenser
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.

Autograph Occasions Waterfall Prom Dress, at MarksandSpencer
Beautifully designed and luxurious, this exclusive dress is detailed with a waterfall design. A stunningly glamorous style statement, perfect for elegant occasions

Letters on a String New Baby Boy Card, at Marks & Spenser
Cover text: Baby boy Message: Congratulations! Approx size: 150 x 150mm

5 Cotton Lycra® Plain Shorts, at Marks and Spencer
These cotton shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Pure Cotton 3/4 Sleeve Check Top, at Mark & Spencers
Smart and stylish, this 3/4 sleeve top is made from cool comfortable cotton and features a check design

Autograph Pure Cotton Stripe Roll Sleeve Shirt, at Mark & Spencers
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

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 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.