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 Marks and 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 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.

When you're shopping at Marks & 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 Finance. Offering everything from savings accounts and credit cards, to House Insurance and Car Insurance, there's a lot more going on at Marks & Spensers than you might imagine.

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

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

Underwired Broderie DD-G Bra, at M&S
The perfect balance of elegance and comfort, a full cup and underwiring offers essential support while an embroidered design ensures a gorgeous appearance

Autograph Essentials Pure Cotton Short Sleeve Shirt, at Marks and Spenser
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Perfect Blue Harbour Heritage Pure Cotton Rugby Shirt, at Marks&Spencer
The authentic styling and great fit of this rugby shirt will make it a wardrobe favourite for many seasons to come

Per Una Rainbow Stripe Bikini Top, at Marks and Spencer
A colourful halterneck bikini top featuring a stripe print design

Dendrobium Nobilis Orchid, at Mark's & Spencer
Internet Exclusive Taken from the latin word nobilis, meaning noble or grand, this impressive orchid really does live up to its name and comes planted in a beautiful, classic white pot. Available for delivery until 30th September 2009

Sonoma 5-Drawer Chest, at Mark & Spensers
H88 x W90 x D50cm 5 drawers Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength 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

Blue Harbour Plain Linen Rich Short Sleeve Shirt, at Marks & Spensers
Relaxed and stylish, this plain short sleeve shirt is outstanding value!

Faux Pearl Long Necklace, at M & S
Faux pearl Long length Necklace length 122cm

Pure Wool Ankara Rug, at Marks & Spencer
Made from New Zealand wool Traditional pattern Fringed design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Classic Selection Platter, at M & S
30 quarters Serves 6-8 Ready to eat 5 different sandwich fillings As featured on page 6 in the food to order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Baby Flashcards, at MarksandSpencer
Start learning early with this fun and stimulating interactive toy. It features board pages with plastic ring

The Waterfall Knee Length Pencil Skirt, at M&S
This chic skirt is a wardrobe essential with a ruffled front making it a striking look for day or night. Pencil skirts flatter your curves and look fabulous with heels and pretty blouses

Albany Cereal Bowl, at Marks & Spencers
Versatile fine dining range Suitable for everyday use Diam 18cm Makes an ideal gift, Manufacturer: Marks & Spencer

Round Electronic Scales, at Marks and Spencer
Circular glass shape Digital Display Capacity: 28st, Manufacturer: Marks & Spencer

Chianti Classico 2006 - Case of 6, at M+S
Style: Full bodied Grape variety: Sangiovese Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

The Tudors: Complete Series 1 & 2 DVD, at Marks and Spencer
Rating Suitable for 15 years and over,

Limited Collection Pointed T-Bar Shoes, at Mark & Spencers
Pointed toe T-bar Buckle fastening Animal print Flat sole Comes in sizes 3-8, including half sizes

Maternity Cotton Rich Hooded Top, at Mark & Spensers
Relaxed and casual, this hooded top is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. An essential fashion favourite

Autograph Addison Coffee Table, at Mark's & Spencer
SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Addison Collection Set. H35 x W120 x D65cm 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 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

Fabric Finish Text Husband Anniversary Card, at MarksandSpencer
Cover text: Husband, You're still the one for me Inside message: Happy anniversary Approx size: Unfolded: 230 x 114mm

Autograph Pure Linen Relaxed Trousers, at MarksandSpencer
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

5 Cotton Lycra® Thongs, at Marks & Spensers
These high leg thongs are comfortable, flattering and perfect for avoiding visible lines under tight-fitting clothing

Pure Cotton V-Neck Vest, at Marks & Spencers
Pretty and feminine, this v-neck vest is made from soft breathable cotton for a comfortable night's sleep

Younger Girls' Abstract Print Footbed Sandals, at MarksandSpencer
Double front buckle fastening Heel buckle Abstract print design Flat sole Contrast comfort lining

3 Lever-Arm Bottle Stops, at Marks&Spencer
Set of 3 lever-arm bottle stoppers Ideal for sealing opened bottles Integral crown top bottle opener, Manufacturer: Marks & Spencer

3-Fold Pink Flowers Mum Card, at Marks & Spencer
Cover text: Mum... Someone as Special as you deserves the...most wonderful Birthday ever... Inside message: ... with love Approx size: 215 x 152mm

Handcrafted Country Bunch Grandma Mother's Day Card, at Marks & Spencer
Cover text: To a Very Special Grandma on Mother's Day Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

7 Pairs of Big & Tall FreshFeet Contrast Heel & Toe Socks with Silver Technology, at Marks and Spencer
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

Petite Stitch Detail A-Line Skirt, at Marks & Spencers
Chic and stylish, this A-line skirt makes a great choice for work or smart occasions. It's machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

Classic Collection Straight Leg Trousers, at M+S
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Besides M+S Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance House Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Finance Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your M&S purchases are also protected while you take them home.

Also, on both M&S Finance Premier House Insurance and Standard House Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.