Marks & Spencer Money 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 Marks & Spencer Money 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 Mark & Spensers 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Marks & Spencer Money 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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. Marks & Spencer Money financial products are, of course, designed to make Marks&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 Marks & Spencer Money 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 Marks & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

National Geographic Kids - Magazine Gift Subscription, at Marks & Spencers
National Geographic Kids is the monthly edu-tainment magazine for boys and girls. Jam-packed with the amazing images you'd expect from the National Geographic brand, National Geographic Kids is everything an inquisitive young mind needs

Limited Collection Knotted Strand Necklace, at Marks & Spencer
Mixed beads Multi strand design Knoted detail

Per Una Plain Cosy Dressing Gown, at M+S
Modern and feminine, this pretty plain dressing gown is made from soft fabric so you can relax in comfort and style. Part of Per Una's sleepwear collection

Blue Harbour Zip Fastening Fleece Jacket, at Marks and Spencer
Relaxed and cosy, this fleece makes a warm and comfortable extra layer

Simple First Words Let's Talk Book, at Marks & Spensers
By pressing the buttons and matching the sounds to the pictures again and again, children will quickly and easily learn simple first words and develop their speech

Autograph Pure Cotton Straight Leg Jeans, at Marks and Spencer
Fashionable and contemporary, these black resin jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Elipse Collection - Floor Lamp, at Marks & Spencer
Oval shade Split stem Square base 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

Footglove™ Widefit Heeled Moccasin, at Mark's & Spencer
Round toe Stitch detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight

5 Cotton Rich Leopard Print Bikini Knickers, at Marks and Spencers
These leopard print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Cashmilon™ Long Sleeve Jumper, at M+S
Fashionable and flattering, this plain jumper is made from supersoft cashmilon™ and features long sleeves

Classic Collection Pure Cotton Crochet Neck Top, at Marks & Spencers
Modern and stylish, this versatile top is made from soft easycare fabric and features a crochet neck. A fashionable style with a comfortable, flattering fit

Antique Brass 3-Arm Ceiling Light, at Marks and Spencer
Antique brass Frosted glass shades 3 curved arms H42 x Diam 40cm Bulb: 3 x 40W SES golf ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Handcrafted Peter Rabbit Easter Card, at Marks & Spenser
Cover text: Happy Easter Inside message: blank for your own message Approx size: 230 x 114mm BEATRIX POTTER™ Frederick Warne & Co. 2009 Frederick Warne & Co. is the owner of all copyrights and trademarks in the Beatrix Potter characters names and illustrations. Licensed by opyrights group

Top Secret Boy Stuff Book, at Marks & Spencers
Packed with things to make, do and fill in and with 60 cool stickers - TOP SECRET BOY STUFF is for your eyes only. Make notes about your friends, your football team and your favourite foods. Learn about survival, spying techniques and weird science. Draw self-portraits, aliens and treasure maps... and much, much more!

Big & Tall Flat Front Trousers with Wool, at Mark & Spencers
Smart and stylish, these trousers are made from a hardwearing wool blend. An ideal choice for work or everyday wear. Perfectly proportioned for big and tall men

Ribbon Stripe Cylinder Shade, at Marks & Spenser
Ribbon stripe D35 x H20cm, Manufacturer: Marks & Spencer

Tasmania Pinot Noir 2007 - Case of 6, at Marks & Spensers
Style: Dry, medium-bodied Grape Variety: Pinot Noir Country of origin: Australia Closure: Screw cap Bottle: 6 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

Multi Stripe Halterneck Bikini Top, at M & S
Pretty and feminine, this multi stripe bikini top is outstanding value. Style and quality at a great price

Dinner Candle Holder, at Mark's & Spencer
Fluted opening Two tone glass design Long stem Wide base Hand decorated H33 x Diam: 8.8cm Weight: 0.45kg, Manufacturer: Marks & Spencer

Crayon Letters Thank You Card, at Marks & Spencer
Cover text: Thank you Thank you Thank you Thank you Thank you Inside message: Have a fantastic day! Approx size: 175 x 127mm

Per Una Ribbon Stripe Scarf with Wool, at Marks and Spencer
This sophisticated ribbon stripe scarf is the perfect accessory to this season's fashions. Tassel trim adds a stylish finishing touch.

Corkscrew, at Marks & Spencer
Ergonomic grip handle This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Hairy Rug, at Marks & Spencer
Hairy design Small: 80 X 140cm Medium: 120 X 170cm Large: 160 X 230cm, Manufacturer: Marks & Spencer

Long Sleeve Button Detail Cardigan, at Marks & Spencer
Modern and stylish, this longline cardigan is wonderfully warm and comfortable

Champagne Tier Wedding Card, at Marks and Spencer
Cover text: Congratulations! Inside message: Have a great day! Approx size: Unfolded: 178 x 126mm

Autograph Pure Wool Single Breasted 2 Button Plain Jacket, at Marks and Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Pure Cotton Printed Cars Polo Shirt, at Marks and Spencer
Fans of Cars will love this cotton polo shirt featuring the popular character. A practical, easycare style

Pure Cotton Long Sleeve Monster Top, at Marks and Spencer
Fun and fashionable this long sleeve top in soft cotton is outstanding value!

Blue Harbour Short Sleeve Block Highlight Rugby Shirt, at Marks & Spensers
Casual and relaxed, this stripe rugby shirt is made from a cotton rich fabric so it's soft, breathable and comfortable to wear

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 Mark & Spensers 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 Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.