M&S Financial Services 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 Financial Services 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 Marks & Spenser 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 Tescos 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

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.

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 and Spencer 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."

Formula Revival Radiance Complexion Balm, at Marks & Spencer
Instant reduction of fine lines and wrinkles Contains UVA/UVB filters Suitable for all skin types Hypoallergenic 50ml

Pastel Zoo Animals Multipack of Mini Thank You Cards, at Marks and Spencer
Cover text: Design 1: thank you, Design 2: thanks, Design 3: thank you, Design 4: thanks! Inside message: Blank for your own message 8 cards, 4 designs Approx size: 95 x 80mm

PlayStationŽ2 SmackDown Vs Raw 2008 Game, at Marks & Spensers
Eight megastar fighting styles Brand new struggle submission system Encompasses a variety of megastars, arenas and weapons Includes significant updates requested by fans Enhanced online community support 2007 Sony Computer Entertainment Europe You must be 16 years of age or over to purchase this product 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, ESRB Rating: Teen

Petite Short Sleeve Snake Print Shirt, at Marks and Spencer
Chic and modern, this short sleeve shirt features a stunning snake print. A vibrant new look, perfect for this season. Specially designed and perfectly proportioned for the petite frame

Barletta Large 2-Seater Sofa, at Mark's & Spencer
H85 x W227 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 Solid birch feet with a dark finish Includes 2 free matching bolsters 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

M&S Aerial Splitter, at Marks and Spenser
Divides 1 signal into 2 0-1000MHz 1 input 2 outputs 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

Double Breasted Mid Length Mac, at Marks&Spencer
Practical and fashionable, this water resistant mac features a double breasted design. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

Autograph Pure Cotton City Scene T-Shirt, at Mark's & 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

Royal Jelly & Pure Honey 3 Jar Trio, at M&S
Pack of 3 Moisturising body cream ingredients:Aqua, Paraffinum Liquidum, Glycerin, Petrolatum, Polysorbate 60 Dimethicone,Cetyl Alcohol, Glyceryl Stearate, PEG-100 Stearate, Sorbitan Stearate, Prunus Amygdalus Dulcis (Sweet Almond) Oil, Lanolin, Parfum, Panthenol, Benzophenone-3, Acrylates/C10-30 Alkyl Acrylate Crosspolymer Triethanolamine, Disodium EDTA, Butyl Methoxydibenzoylmethane, Mel(Honey) Mel (Honey) Extract, PEG-40 Hydrogenated Castor Oil, Propolis Extract, Royal Jelly Extract Tocopheryl Acetate, Sodium Hydroxide, Citric Acid, Amyl Cinnamal Benzyl Salicylate, Cinnamyl Alcohol, Citronellol, Hydroxycitronellal Hydroxyisohexyl 3-Cyclohexene Carboxaldehyde, Linalool, Butylphenyl Methylpropional, Alpha-Isomethyl Ionone, Limonene, Sodium Chloride, Sodium Sulfate, Propylene Glycol, Methylparaben, Propylparaben, Phenoxyethanol Diazolidinyl Urea, Iodopropynyl Butylcarbamate, BHT, CI 47005, CI 14700 Body Scrub Ingredients: Aqua, Ammonium Lauryl Sulfate, Silica, Glycerin Cocamidopropyl Betaine, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Prunus Armeniaca (Apricot) Seed Powder, Sodium Chloride, Parfum, Panthenol Benzophenone-3, Sucrose (Sugar), Disodium EDTA, Butyl Methoxydibenzoylmethane, Mel (Honey), Mel (Honey) Extract, PEG-40 Hydrogenated Castor Oil, Propolis Extract, Royal Jelly Extract, Tocopheryl Acetate, Amyl Cinnamal, Benzyl Salicylate, Hydroxycitronellal, Linalool Butylphenyl Methylpropional, Limonene, Citric Acid, Sodium Hydroxide, Sodium Sulfate, Propylene Glycol, Magnesium Chloride, Magnesium Nitrate Phenoxyethanol, Methylchloroisothiazolinone, Methylisothiazolinone, BHT, CI 19140, CI 14700. Hand and Nail Cream Ingredients: Aqua, Paraffinum Liquidum, Cetearyl Alcohol, Dimethicone Glyceryl Stearate, Sorbitol, Cera Albam, Ceteareth-20, Aluminum Starch Octenylsuccinate, PEG-100 Stearate, Phenoxyethanol, Prunus Amygdalus Dulcis (Sweet Almond) Oil, Parfum, Allantoin, Polysorbate 20, Glycerin, Mel (Honey) Mel (Honey) Extract, PEG-40 Hydrogenated Castor Oil, Propolis Extract, Propylene Glycol Royal Jelly Extract, Benzophenone-3, Disodium EDTA, Ethylhexyl Methoxycinnamate, Butyl Methoxydibenzoylmethane, Tocopheryl, Acetate, Panthenol, Citric Acid, Sodium Hydroxide, Amyl Cinnamal, BenzylSalicylate, Cinnamyl Alcohol, Citronellol, Hydroxycitronellal, Hydroxyisohexyl, 3-Cyclohexene Carboxaldehyde, 3-Cyclohexene Carboxaldehyde, Linalool, Butylphenyl Methylpropional, Alpha-Isomethyl Ionone, Limonene, Sodium Chloride, Sodium Sulfate, Methylparaben, Propylparaben, BHT, CI 47005, CI 14700

Holographic Flowers Birthday Card, at Marks & Spencer
Cover text: Birthday Girl Inside message: blank for your own message Approx size: 150 x 150mm

Blue Harbour Pure Cotton Block Stripe Polo Shirt, at Marks and Spencer
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Stitch Waistband Trousers, at Marks and Spencer
Greater choice of leg lengths now available These on-the-waist trousers are smart and modern with stitch detailing on the waistband adding a finishing touch

Per Una Styled Floral Embroidered Thong, at Marks & Spencers
Modern and elegant, this stylish thong features a delicate front panel in soft stretch lace. The low rise style gives a flattering shapely fit and is ideal for wearing under hipsters. Pretty everyday fashion

Portfolio Wrap Tie Cardigan, at Marks and Spenser
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

Pink Birthday Cocktails Card, at Marks & Spencer
Cover text: Birthday Cocktails Inside message: Hope your birthday is full of fun! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125mm

Per Una Short Sleeve Fine Stripe Top, at Marks & Spencer
A casual short sleeve top in a soft fabric featuring a fine stripe design and ruffle front

Glass Art Deco Photo Frame 13 x 18cm (5 x 7''), at Marks & Spensers
This glass art deco inspired photoframe will compliment any prized photograph

Bold Maxi Sunglasses, at Marks & Spencers
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Candy Stripe Hamper Small Gift Bag, at Marks & Spensers
Contains: 1 gift bag Approx size: H130 x W100 (at base) x D90mm

Per Una TencelŽ Zingy Trousers, at Marks and Spencers
A fashionable straight leg pair of trousers in pure tencel with an on the waist design and side pockets

Ceriso Floral Print Thong with Silk, at Marks and Spencer
Flirty and feminine, this modern thong features a floral design. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

Pure Cotton Double Breasted Mac with Belt, at Marks & Spencer
Practical and fashionable, this water resistant mac features a double breasted design and epaulettes. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

7 Pairs of Fresh Feet Days of the Week Socks, at M & S
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

2 Tiga Mock Suede Dining Chairs, at Marks and Spenser
H87 x W47 x D59cm Seat H43cm Sold as a pair Made from solid sheesham with mock suede seat Treated with a protective low-sheen lacquer that provides added durability Made from solid wood for strength Legs made from solid wood 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

3 Non-Iron Short Sleeve Shirts, at Marks & Spenser
This pack of 3 shirts is great value. They're a convenient and practical choice too - easycare and non-iron to save you time

Autograph Stainless Steel Solid Spoon, at Marks & Spencers
Stainless steel Dimensions: W6.5 x L35cm, Manufacturer: Marks & Spencer

Long Sleeve Cowl Neck Fleece Top, at M&S
Want style and comfort? This cowl neck fleece top looks fashionable and will keep you feeling warm, cosy and snug.

Older Boys' Shark Flip Flops, at Marks and Spencer
Flat sole Shark print Contrast stripe

Generic Pencil Case, at M & S
Circular design Zip fastening Oblong shape Circle tab feature Floral design

Jacquard Guipure Non-Padded Underwired Minimiser Bra, at Marks and Spencer
Soft and comfortable, this minimiser bra de-emphasises your bust with gentle shaping. A flattering, supportive style

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 and Spencer are so useful. M&S Financial Services 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, 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.