Marks & Spencers 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 & Spencers 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 Marks&Spencer 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, Sainsbury's, 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 & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

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

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

Shea Nut Body Butter, at Marks & Spencer
Shea nut fragrance Easily absorbed 200ml Ingredients: Aqua, Ethylhexyl Palmitate, PEG-8 Beeswax, Cyclomethicone, Glycerin, Cetearyl Alcohol, Glyceryl Stearate, Theobroma Cacao Butter, Bis PEG-12 Dimethicone Beeswax, Butyrospermum Parkii Butter (Shea Butter), Benzyl Alcohol, PEG-100 Stearate, Phenoxyethanol, Xanthan Gum, Methylparaben, Parfum, Alcohol Denat. Disodium EDTA, Tocopherol, Caramel, Butylparaben, Sodium Hydroxide, Ethylparaben, Propylparaben, Amyl Cinnamal, Butylphenyl Methylpropional, Hexyl Cinnamal, Benzyl Salicylate, Isobutylparaben, Alpha-isomethyl Ionone, CI 15985

125 Years Luxury Wool Rich 3 Button Stripe Jacket, at Mark's & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Autograph Silk Rich Pleated Shorts, at Marks and Spencer
Elegant and feminine, these flattering shorts are made from luxurious stretch silk. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Red, at Marks and Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display:19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors1 x HDMI input, 1 x Scart socket DVD Player: Built-in 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Limited Collection Dogtooth Jacket, at Marks & Spensers
Inspired by classic French couture, this chic piece is one you'll love season after season. For a contemporary update, wear juxtaposed with denim to keep the look fresh and youthful

Brushed Mock Layer Top, at Marks and Spencers
Want style and comfort? Brushed cotton gives this fashionable top an irresistibly soft touch

Compact Argyle Bow & Heart Print Umbrella, at Marks and Spencer
Lightweight and easy to carry, this slimline umbrella is perfect for keeping at hand for effective protection from sudden downpours

Ultimate Non Iron Pure Cotton Classic Bengal Shirt, at Marks and Spenser
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Natural Ceramic Bulbous Vase, at M & S
Bottle shape Broad base H20.5 x 25cm diam 0.6Kg, Manufacturer: Marks & Spencer

Cotton Rich Ethnic Diamond Print Scarf with Silk, at Marks & Spencer
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The ethnic diamond print adds a stylish finishing touch

Adventurer 450 Two-Way Radios, at Mark & Spensers
TRUSOUND - pioneering noise reduction technology delivering enhanced sound quality Easy to hold rubberised grip Ultra compact size Range up to 2 miles (3km) depending on environment and terrain Up to 304 channel combinations Dual desktop charger pod Rechargeable batteries VOX technology - handsfree conversations Backlit screen 5 call tone melodies selection Dimensions: W4.5 x L8 x D3.1cm 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

Pure Cotton Boat Neck Stripe Top, at Marks and Spencer
Smart and stylish, this boat neck top is made from cool comfortable cotton and features a stripe design.

Autograph Leather Leopard Print High Heel Shoes, at Marks & Spencer
Almond toe Leopard print design Strap fastening High heel Heel height: 85mm Comes in sizes 3-8, including half sizes

Limited Collection Pointed Boots, at Marks & Spencer
Knee high Stitch detail Plain design Heel height: 49mms Comes in sizes 3-8, including half sizes

UEFA EURO 08 PC Game, at Marks and Spencer
UEFA EURO 2008 features stunning visual representations of the world's best players, playing in a more accessible, faster-paced and responsive version of the market-leading EA SPORTS football engine, and all of the teams and official stadiums that will be part of UEFA EURO 2008. Take on the challenge of leading one of over 50 European national teams to glory as UEFA EURO 2008 recreates all of the drama and excitement of the official tournament in Austria and Switzerland. Play as your favourite country from qualification right through to a virtual reproduction of the championship tournament

Per Una Lace Front Brazilian Knickers, at Marks and Spencer
Feminine and delicate, these stylish brazilians briefs feature a delicate front panel in soft stretch lace. The modern Brazilian style gives a close fit and a flattering shapely look. Pretty everyday fashion

Easycare Long Sleeve Textured Shirt, at M & S
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Portfolio Mixed Chunky Bead Necklace, at Marks and Spencers
Button fastening Ribbon chain Mixed chunky bead design Necklace length 81cm

First Readers Goldilocks & the Three Bears, at Marks & Spencers
Based on the traditional folk tale 'Goldilocks and the Three Bears', this vibrantly illustrated story is sure to become a favourite in every home. Follow the naughty Goldilocks into the house of the three bears, and see what happens when they come home and find her!

Silk Rich Spot Bow Tie & Cummerbund, at Marks and Spencer
Stylish and sophisticated, this luxurious silk rich set adds an elegant finishing touch

Classic Collection Spot Print Nightdress, at Marks & Spencers
Fresh and feminine, this button fastened long nightdress is comfortable to sleep in and features a pretty floral embroidered design

Short Sleeve Faux Snake Print Belted Shirt, at Mark's & Spencer
Chic and modern, this short sleeve shirt features a stunning faux snake skin design. A vibrant new look, perfect for this season

Flat Front Crease Resistant Trousers, at Marks & Spencer
Adopt a fuss-free approach to formal dressing with the crease resistant fabric of these sharp trousers, allowing you to stay looking smarter for longer

2 Cotton Rich Strappy Vests, at Marks and Spencer
Stylish and practical, this pack of 2 strappy vests makes a great value way to stock up your underwear drawer. The soft stretchy fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Per Una 3/4 Sleeve Tile Print Dress with Wool, at Marks&Spencer
A pretty 3/4 sleeve dress featuring a tile print and back tie feature

Pure Linen Pleated Front Shirt, at Marks & Spencers
Feminine and elegant, this sophisticated linen shirt is beautifully designed and cut for a flattering shape and features a stunning pleated detail

Pure Cotton Hello Kitty Hooded Mac, at Marks & Spencer
Don't let rainy days spoil the fun! Fashionable and comfy, this hooded mac will protect her from showers.

Collezione Toe Cap Lace-Up Shoes, at Mark & Spensers
Square toe Gusset toe cap stitch Stitch detail Lace-up Block heel

Per Una Pure Cotton Lace Embellished Top, at Marks and Spencer
A fashionable 3/4 sleeve top in pure soft cotton featuring lace front embellishment and floral design

Cotton Blend Tummy Control Floral Lace Vest, at Marks and Spencer
This tummy control vest gives a flattering shape - great under close fitting tops. The hidden panel shapes the waistline and flattens your tummy while the longer length helps prevent it rolling up

There are lots of ways to save money using Marks & Spencers Money. Not least of these is M&S Standard Car Insurance. With Marks & Spencers Money you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from M&S Finance, you get more, and you pay less.