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

When you're shopping at M+S 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 Money. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at MarksandSpencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money. 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 Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money 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."

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

5 Pure Cotton Plain Full Briefs, at Marks & Spenser
Made from pure natural cotton, these plain briefs are cool, comfortable, breathable and perfect for everyday wear

Collezione Italian Pure Silk Suitcase Tie, at Marks & Spencer
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

First Readers The Gingerbread Man, at Marks & Spencer
First readers help beginner readers to enjoy their favourite fairy tales. Sharing the main story and the delightful pictures with your child will develop familiarity with the words and phrases. Your child will soon be ready to read the short, simple sentences on each right-hand page. A gingerbread man eludes the hungry grasp of everyone until he meets a clever fox.

TomTom XL IQ Routes™ Edition Europe Satellite Navigation System, at Marks & Spencer
Maps: Full door to door maps of the Western and Central Europe (42 countries) Display: XL 4.3" widescreen Safety Camera Database: Comes with fixed safety camera alerts pre-installed, to help you to drive more safely and responsibly Easyport™ Mount: EasyPort™ mount folds neatly onto the back of your device, making the whole navigation package fit into your pocket, bag or glove compartment Latest Map Guarantee: The latest map guarantee keeps you right up to date. If a new version of any map on this device is released within 30 days of your purchase, you can download a new one via TomTom HOME for free TomTom Mapshare™ Technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Updates from TomTom HOME: Get new software and download new maps via TomTom Home site, includes free and subscription services Sound: Loud and clear voice instructions Points of Interest: Pre-installed map has Points of Interest from petrol stations to hotels. Can be updated via TomTom HOME Traffic-Ready: Compatible with TMC Traffic Receivers, so your route can be altered to avoid the traffic ahead Plug & Go: Just plug in and tap the touch screen to begin using the intuitive user friendly interface Advanced lane guidance: Gives you extra clarity when navigating difficult junctions IQ Routes™ technology: Get a faster route to your destination, up to 35% of the time QuickGPSfix™: Get a faster route to your destination, up to 35% of the time Speeding alert: Alerts you that youre speeding, even if you''re not in navigation mode Help Me! menu: You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area Accessories: Comes with USB car charger and USB cable TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Autograph Occasions Chiffon Floral & Feather Headdress, at Marks and Spencer
Indulge in a touch of luxury with this chiffon floral headdress which features a feminine feather detail

Photo Frame with Mount 13 x 18cm (5 x 7"), at Marks and Spencer
Rectangular shape Removeable mount card H29 x W24cm Aperture: 5 x 7in, Manufacturer: Marks & Spencer

North Coast Pure Cotton Zip Funnel Neck Jumper, at Marks and Spencer
Relaxed and casual, this knitted zip funnel neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Per Una Speziale Moisture Rich Lipstick, at Mark & Spencers
Moisture rich Hypo-allergenic

Stainless Steel Handle Soup Ladle, at Marks and Spencer
Suitable for non-stick saucepans Stainless steel finish Plastic scoop, Manufacturer: Marks & Spencer

Autograph Orange Infusion Sticks, at Marks & Spenser
Glass container Long lasting infusion sticks Orange fragrance Presented in a box, Manufacturer: Marks & Spencer

Disney Princess Activity Pack, at Mark & Spensers
This cool activity case provides hours of fun. Packed full of activities, a posters, pens, she'll have loads of fun with her favourite Disney Princesses

Tie Dye Crinkle Scarf, at Marks & Spencer
This sophisticated tie dye scarf is the perfect accessory to this season's fashions. The crinkle effect adds a stylish finishing touch

Open Season Blu-ray DVD, at Marks&Spencer
Rating Parental Guidance,

Winnie The Pooh Family Organiser Calendar, at Marks and Spencer
Contains: 1 pen and memo pad Approx. size: 330 x 430mm Disney. Based on the "Winnie the Pooh" works by A. A. Milne and E. H. Shepard. www.disney.com

Xenon Collection Mobile Office Case, at M & S
Free 5 year guarantee Take the hassle out of business travel with this practical mobile office. Stylish, practical and hardwearing, this rollercase offers plenty of storage space with compartments for your laptop and other important office documents

Autograph Weekend Cotton Rich Self Stripe Ruffle Shirt, at MarksandSpencer
Sophisticated and modern, this self stripe ruffle top is beautifully designed and cut for the best in contemporary style. It's made from stretch cotton for a comfortable, flattering fit

Almond Toe Elastic Panel Knee High Boots, at MarksandSpencer
Almond toe Stitch detail Zip fastening Gusset feature Knee high Mid heel Heel height: 56mm Comes in sizes 3-8, including half size

Flat Front Crease Resistant Self Stripe Trousers, at Mark & Spencers
Stay smarter for longer with these innovative crease resistant trousers.

Norton Internet Security™ 2009 1 Year Protection for up to 3 Home PCs, at Marks and Spencer
Core Security: Protects against viruses, spyware, Trojan horses, worms, bots, and rootkits. Reduces scan time with smart scanning, so you can work and play uninterrupted Advanced Security: Protects against the latest threats with a proactive, multilayered protection system, prevents others from taking control of your PC and using it to attack other PCs Identity Protection: Inspects websites to make sure they're not fakes, guards against online identity theft Networking: Helps secure and monitor your home network. Automatically secures your PC when connecting to public wireless hotspots Support: AutoFix technology will diagnose and fix common problems for you Suitable for 3 pcs for 1 year 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

6 Jewel Hair Slides, at Marks & Spensers
Add a pretty finishing touch with this fashionable set of 6 hair slides

Charcoal Block Towels, at Marks and Spencers
Block design Comes in 3 sizes, Manufacturer: Marks & Spencer

2 Pairs of Cotton Rich Plain Knee High Socks, at Marks n Spencer
These cotton rich knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Autograph Stainless Steel Bar Set, at M+S
4 piece set Includes a bottle opener, a screwpull, a jigger and a holder Height: 19.5 cm x 10 cm diameter, Manufacturer: Marks & Spencer

High Impact Level 3 Smooth Non-Wired Sports Bra, at M+S
Comfortable and secure, this level 3 sports bra gives firm, gentle support during high impact activity

Handmade Shirts Brother Birthday Card, at Marks & Spencer
Cover text: Happy birthday brother Inside message: Have a fantastic day! Approx size: 178 x 126mm

Malabar Bookcase, at Marks n Spencer
H190 x W110 x D40cm 2 drawers 5 shelves Crafted predominantly from solid mango wood Protective low-sheen lacquer finish for added durability Antique-brass effect handles 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

Artificial Teardrop Orchid in Mirror Glass Vase, at Marks & Spenser
Artificial orchid Oval shaped vase Height: 51cm, Manufacturer: Marks & Spencer

Autograph Pure Cotton Narrow Bengal Stripe Shirt, at Marks and Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Pure Cotton Hooded Beach Trekker T-Shirt, at Mark & Spencers
Relaxed and fun, this hooded t-shirt is made from soft cotton. A practical, easycare style

Panasonic 32'' TX-L32G10 Full HD LCD TV with freesat HD, at Marks&Spencer
Receives freesat HD: freesat is a digital satellite TV service giving you free HD programmes. freesat has no contract, no subscription, just a one-off payment for the TV, satellite dish and installation. freesat is available to almost every household in the UK HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Panasonic: Display: 32 inch LCD screen, 2,073,600 (1,920 x 1,080) pixels Contrast Ratio: Dynamic contrast 50,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W777 x H541 x D217mm (with stand), W777 x H501 x D95mm (without stand) Weight: 13.5kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 4 HDMI, 2 Scart, Composite video input, S-video input, Audio Input, Component video input, Mini-D sub, Digital audio output, Headphone jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours, thanks to the wider x.v.Colour palette V-Real Pro 4: Real picture technology which enhances the full HD performance of the display panel to render smooth, crystal-clear motion without compromising on delicate colours with rich gradation Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Money. Not least of these is Mark & Spensers Standard Car Insurance. With M&S 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 M&S 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 and Spencers, 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 Marks & Spencers Money, you get more, and you pay less.