M&S Finance offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with M&S 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Finance UK and European Breakdown Cover, since it covers you as a passenger too.

M&S Finance 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 Buildings 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 Buildings 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

• M&S Insurance: M&S Car Insurance, M&S Buildings 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 M & S, it's easy to see that these are good financial products, at value-for-money prices.

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

Per Una Short Sleeve Cornflower Cardigan, at Marks & Spensers
A feminine knitted cardigan, the single button fastening gives it the Per Una touch

Ceriso Lace Trim Thong with Silk, at MarksandSpencer
Flirty and fashionable, this modern thong features a lace trim. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Sony Cyber-shot™ DSC-T90S Camera, at M & S
Pixels: 12.1 Megapixels Zoom: 4x optical zoom, 8x digital zoom Screen: Large, wide 3.0-inch (230K dot) Clear Photo LCD plus touchscreen with wide viewing angle ISO: Auto, 100, 200, 400, 800, 1600, 3200 Dimensions: W93.6 x H57.2 x D15mm Pitcure 720p HD movie recording captures crisp, detail-packed HD video clips plus stereo sound at 30 frames per second Enhanced Smile Shutter Enhanced Smile Shutter automatically fires shutter when subject smiles: now easier to use with adjustable smile threshold Enhanced Face Detection Enhanced Face Detection with selectable adult/child priority high-speed subject tracking for clearer portraits. Includes Face Motion Detection Intelligent Scene Recognition Intelligent Scene Recognition simplifies shooting by choosing best settings for difficult conditions such as twilight portraits and backlit scenes Optical SteadyShot High sensitivity ISO 3200 and Clear RAW Noise Reduction for high-quality images with reduced blur during handheld shooting in low light BIONZ processor BIONZ processor for enhanced image quality, reduced image noise and fast shooting response Slideshow HD Slideshow with music offers fun image display with effects and music on LCD or connected HD TV 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

Philips CD1554B Cordless Phone with Answering Machine, at Marks and Spencers
50 name and number phonebook 10 number call log list 5 number redial list 10 minutes recording time Plug and play answering machine Tone and pulse dialing Call waiting Caller ID, conference call, explicit call transfer, microphone mute Registers up to 4 handsets to one base Talktime up to 12 hours, standby time up to 150 hours Range of up to 300 metres outdoors/50 metres indoors Talk time up to 12 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

Large Print Crossword Book, at Marks and Spencer
There are 160 straight forward crosswords in this brand new book. Whether you have only a few moments, or hours to devote to your favourite puzzles, these crosswords will challenge and entertain you

Silicone Nipple Covers, at Marks & Spensers
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

Sebo Airbelt K1 Cylinder Vacuum Cleaner, at Marks and Spencer
1800 watt motor Combination floor head Crevice nozzle, upholstery nozzle, lightweight combination nozzle Anti-allergy design with British Allergy Foundation Approval Excellent for carpet and hard flooring Unit weight 5.5kg Airbelt soft bumper system Quiet operation Lightweight telescopic tube 5 year parts and 2 year labour domestic use guarantee 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

Holiday Puzzle Book, at Marks & Spencer
Whether you are relaxing on the beach, or travelling to your tropical getaway, this brand new collection of puzzles will put your solving skills to the test. Inside you will find crosswords, wordsearches, sudoku, word and number puzzles, plus many other both new and familiar puzzles to challenge and entertain you

Autograph Addison Side Table, at Marks & Spenser
H55 x W40 x D40cm With 1 drawer Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Drawer pulls are solid wood due to their shape 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 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 , Manufacturer: Marks & Spencer

Autograph Copper Base Wok, at Marks and Spencers
Diam 26cm Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles Hand wash only Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Cracked Shell Heart Necklace, at Marks and Spencer
Multi-strand design Cracked shell heart design Adjustable length Clasp fastening Necklace length 43cm, extendable by 7cm

Damask Bathmat, at Marks & Spencer
Damask design L80 x W50cm, Manufacturer: Marks & Spencer

Formula Instant Fix Moisture Replenish Mask, at Marks & Spencers
Instant moisture boosting Restoring suppleness and radiance Hypoallergenic Suitable for all skin types 50ml

Autograph Linen Blend Shirt & Cargo Shorts Outfit, 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

Funky Faux Snakeskin Watch, at Marks & Spencer
Round face Analogue Faux snakeskin print strap Adjustable strap

Mog The Forgetful Cat Book, at Marks and Spencers
Mog always seems to be in trouble for her forgetfulness... but one night, it comes in very handy

Portfolio Overlapped Disc Collar Necklace, at M & S
Adjustable length Clasp fastening Overlapped disc design Necklace length 45cm

M&S Combo Corded & Cordless Phone with Answering Machine, at Marks and Spencer
Up to 9 hours talk time and 150 hours standby Large 3 line display on base 300 name and number phonebook (150 on corded, 150 on handset) 3 direct memory on corded base Up to 14 minutes digital recording time and remote access Handsfree speakerphone Caller display stores information on the last 20 calls 10 ringer melodies Last 10 number redial Adjustable earpiece, ringer and speakerphone volume Interference free 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

Corner Grps - N ABB CNR BRONCO, at Marks and Spencer
Manufacturer: Marks & Spencer

Autograph Manor Damask Pencil Pleat Curtains, at Marks and Spencers
Damask design Pencil pleat Lined Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Collezione Leather Square Toe Monk Shoes, at Marks & Spencers
Square toe Stitch detail Buckle fastening Block heel

Ultimate Non-Iron Pure Cotton Plain Long Sleeve Shirt, at Marks and Spencers
Offering natural comfort and durability, this crisp pure cotton shirt has a specially crafted non-iron design for a no-fuss appearance. A cutaway collar offers a contemporary focus matched with formal french cuffs

Per Una Cotton Rich Pleat Stripe Shirt, at Marks and Spencer
A modern long sleeve shirt in soft cotton rich fabric featuring a pleat collar and neckline detail

Hepworth 7-Drawer Tall Chest, at Marks and Spencers
H111 x W50 x D54cm With 7 drawers Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Side and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs 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 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 , Manufacturer: Marks & Spencer

Per Una Embossed Puff Jacket, at MarksandSpencer
A fashionable single breasted jacket featuring embossed design and gathered stitch detail.

Ceriso Silk Rich Floral Print Bikini Knickers, at Mark's & Spencer
Fashionable and flirty, these modern bikinis feature a feminine floral print. The skirted style is cute and flattering. Designed for women who want the latest look

5 Pairs of Long Ribbed School Socks, at Marks & Spensers
Why spend too much on school socks when you can get this great value pack right here? Durable and comfortable, they're just the ticket for school days

Underwired Lace Strap Minimiser Bra, at M & S
Reduce the visual size of your bust while maximising your support with the underwiring and added stretch of this attractive minimiser bra. A great option for everyday wear

2 Piece Cotton Rich Floral Dress Outfit, at Marks and Spencers
Modern and pretty, this sleeveless dress and cropped plain leggings look fabulously fashionable worn together or separately

Red Damask Throw, at Mark & Spencers
Damask design Tasselled trim Small: W150cm x L200cm Large: W230cm x L240cm, Manufacturer: Marks & Spencer

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's & Spencer are so useful. M&S Finance 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, Buildings Insurance policies. Usually, UK Buildings 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 Finance Buildings 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 Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.