Agreed ^, it's a Steatoda and probably a S. nobilis.
They are common, shy and cautious (to the point of scared) spiders, so unless you poke at them, or encounter one unexpectedly, they won't bother you, and we can co-exist quite happily.
I have lots of them living here – they've been here for years, and live quite happily in the conservatory eating other insects that fly in … They have never bothered me once.
They are web spiders, so they'll sit in the corner and wait for stuff to get stuck. I find I have to rescue bees quite a lot from their webs. The bees get stuck, but thrash the web so much the spider keeps out of the way (fearing for it's life no doubt), but they are strong webs, so the bees often can't free themselves either.
I've never heard of their bite being any worse than a wasp sting, and I can only recall perhaps three documented bite cases in the last 20+ years. I think the hospitalised bloke above might have had underlying conditions, (or some kinda allergy), plus wasn't there some doubt as to exactly what he'd been bitten by?.
The majority of other UK spiders are poisonous too, but, as avdave2 says, these are one of the only spider species that can break human skin.
Spiders are very useful to have around tho', so if this one is safely out of the way, I'd leave her be.
You might like to point her to this article for a good, sensible, reassuring view of them:
http://naturenet.net/blogs/index.php/2007/05/02/steatoda
The angle of your shot gives a great look to the marking … (but it does carry on, and over the back of the abdomen in a similar way).