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 & Spencers 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.

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

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 & Contents 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 & Contents 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.

Per Una Pure Linen A-Line Skirt, at Marks and Spencers
A feminine A-line skirt in pure cool linen, featuring floral embroidery

Girls' Limited Pointelle Hat & Gloves, at Marks n Spencer
Snug and cosy, this cute hat and gloves set is a fashionable choice for chilly weather

Large Tie Hanger, at Marks&Spencer
Keep your ties smartly stored with this large tie hanger. An essential part of any gentleman's wardrobe

Long Sleeve Zebra Print Cardigan, at Marks and Spencer
Modern and stylish, this cardigan features a zebra print. A smart modern look

3 Classic Pure Cotton Plain Briefs, at Marks & Spencer
Easy to care for cotton and a classic cut ensures these comfy briefs are a staple part of any underwear drawer

Per Una Essentials Modal Rich Pintuck Shorts, at M+S
Feminine and delicate, these stylish shorts are made from a soft comfortable modal rich fabric. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Floral Polka Dot Wedding Guest Book, at Mark & Spensers
Wedding guest book Gift box Guest book: H210 x W290mm Gift box: H225 x W305mm

Long Sleeve Hooded Silver Coat, at Marks&Spencer
Fashionable and practical, this fur trim hooded coat is outstanding value. An easycare style at a great price

Autograph Essentials Sleeveless All-In-One, at Marks and Spencer
Beautifully designed and luxurious, this exclusive all-in-one is detailed with a tie fastening belt. A stunningly glamorous style statement, perfect for elegant occasions

Wooden Rolling Pin, at M&S
Plain Cylindrical Smooth design L42cm, Manufacturer: Marks & Spencer

Younger Boys' Plain Fluffy Dressing Gown, at Marks and Spencer
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Pure Cotton Cup Cake Print Mock Layer Top, at M&S
A cup cake motif makes this soft cotton top extra cute

Ceriso Styled Embroidered Padded Balcony Bra, at M&S
Fashionable and flirty this modern bra features intricate floral embroidery. The padded balcony style gives maximum uplift and a fabulous fuller shape. Designed for women who want the latest look

Cashmilon™ Hat, Scarf & Gloves Set, at Marks and Spencer
Snug and cosy, this cute hat, scarf and gloves set is a fashionable choice for chilly weather

Fun Couple in Car Wedding Card, at Marks and Spencer
Cover text: Just Married Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Ultimate Non-Iron Pure Cotton Pindot Stripe Shirt, at M&S
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Twin Pleat Trousers with Wool, at Mark's & Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried

Crossover Bootie Slippers, at M & S
Treat your feet to the warm comfort of these faux fur trim slippers. They're a terrific option for lounging around the home in cosy style

Pure Cotton Short Sleeve Plain Shirt, at Marks&Spencer
Stylish and innovative, this easycare short sleeve shirt is quick and easy to iron for a smart crisp look

M&S Summer Flat Weave Trilby Hat, at Marks and Spencer
Keep a cool head this summer with this straw trilby. It adds a smart touch to formalwear and looks contemporary with casual outfit

Limited Collection Floral Brazilian Knickers, at Mark & Spencers
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from a soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Value Hard Luggage, at Marks & Spencer
Free 3 year guarantee on Value Luggage Built for durable practicality, this rollercase features a robust ABS outer shell and locking trolley system to ensure your belongings are safely secure and easy to transport

Casa Leona Rosé 2008- Case of 12, at Marks & Spencer
Style: Dry Grape variety: Merlot & Cabernet Sauvignon Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

High School Musical 2 - Disney Singalong CD, at Marks & Spencer
Audio CD, Marks & Spencer

Flowers by Post - 15 Sunflowers, at Marks and Spencers
Internet Exclusive Give the simple joy of sunflowers to your loved one and bring a huge smile to their face. These 15 beautiful sunflowers radiate the essence of summer. Flowers by Post is a great value way to spoil someone you know - or yourself

Sun Formula Express Bronzing Spray, at M & S
360 nozzle Non-streaky, non-greasy and quick drying Contains vitamin E to help prevent dryness 150ml This product is not available for international delivery. Find out more

Cecily's Garden Foxgloves Nan Card, at Marks and Spencer
Cover Text: Happy birthday Nan Inside message: With lots of love Approx size: 230 mm x 114 mm

The Floral Collection Iris Moisture Rich Bath Cream, at Marks and Spencer
500ml Iris scented Moisture rich Foaming

Tribeca 2 Seater Sofa AU09 Newness, at Marks & Spensers
Manufacturer: Marks & Spencer

Blue Harbour Stormwear™ Gilet, at Marks & Spencer
Stylish and innovative, this gilet is treated with Stormwear™ technology, a breathable finish that repels water and stains

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. 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents Insurance than you will anywhere else, and you may even pay less with M&S.