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, Sainsburys, 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.

There are lots of ways to save money using M+S Money. Not least of these is M&S 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 M&S, 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.

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

Jacquard Check Cosmetic Clam Bag, at Marks & Spencers
Clam style Jacquard check design Zip fastening Inside compartments

Authentic Beachwear Cropped Trousers, at Marks&Spencer
Fresh and fashionable, these below-the-knee trousers look chic with wedges, sandals or flat pumps

Chunky Sparkle Bead Necklace, at Marks & Spencers
Mixed bead feature Chunky style Sparkle detail Intermittent design Necklace length 45cm, extendable by 8cm

Pure Silk Leaf Embroidered Cushion, at Marks and Spenser
Square shape Leaf embroidered design Lined L50 x W50cm, Manufacturer: Marks & Spencer

Compact Umbrella, at Marks and Spenser
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Animal Print Flip Flop, at Marks & Spencers
Animal print Flat sole

Long Sleeve Faux Fur Lined Fleece Jacket, at M&S
Want style and comfort? This faux fur lined fleece jacket looks great and will keep you feeling warm, cosy and snug

Limited Collection Lace Up Wellie Boots, at Marks & Spencer
Round toe Contrast lace detail Low heel Heel height: 23mm Comes in sizes 3-8

Autograph Pure Cashmere Knitted Cowl Neck Poncho, at Marks and Spencer
Wrap up warm in fashionable style with this pure cashmere poncho. The contemporary design looks great over this season's fashions, or wear with jeans and boots

Feather & Bow Occasion Hat, at Marks n Spencer
Sophisticated and glamorous, this bow and feather trimmed hat is perfect for stylish summer events To receive your FREE hat box, simply click on the hat box below and add it to your basket

10 Party Time Drinks Invitations, at M+S
Cover text: Party time! Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Autograph Milan Double Towel Rail, at Marks & Spensers
Double towel rail H7 x W49.6 x D12.87cm, Manufacturer: Marks & Spencer

Apron Lace Up Shoes, at Marks and Spencer
Square toe Stitch detail Lace up Block heel

Petite Short Sleeve Ruffle Neckline Top, at Marks and Spencers
Pretty and feminine, this scoop neck top is made from softly draping stretch viscose for a fluid look. The ruffle neckline adds a fashionable finishing touch. Specially designed and perfectly proportioned for the petite frame

10 Gold Party Text Invitations, at M&S
Cover text: Party Inside message: Dear..... You are invited to a party on..... time..... place..... Hope you can come..... RSVP..... This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Secret Support™ Lace Trim Vest, at Mark & Spensers
Add a soft, supportive layer to your daily attire with the Secret Support™ incorporated into the design of this cosy vest

Limited Collection Modal Blend Lace Trim Shorts, at Marks and Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from modal blend and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Wool Blend Flat Front Fine Stripe Trousers, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with added stretch. An ideal choice for work or everyday wear

Single Estate Grenache Blanc 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Grenache Blanc Country of origin: France Closure: Synthetic closure Bottle: 12 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

Napoleon Style Movement Arch Mantle Clock, at Marks&Spencer
Napoleon style Visible mechanics Roman numerals Analogue Dimensions: 18 x 25 x 6cm

Collezione Silk Blend Varied Stripe Tie, at Marks and Spenser
Stylish and luxurious, this silk blend tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Magic Loc Collection Towel Rail, at Marks and Spencers
Polished finish Wall mounted Dimensions: H5 x W60 x D9cm, Manufacturer: Marks & Spencer

Limited Collection Short Sleeve Top, at Marks and Spenser
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Silver Plated Faceted Catseye Drop Earrings, at Marks & Spencer
Hook fastening Drop style Facet catseye design For hygiene reasons, refunds will only be given in accordance with your legal rights

Laser Cut Heart Wife Birthday Card, at Marks and Spencer
Cover text: Wife, Have a wonderful birthday Inside message: With lots of love Approx size: 175 mm x 125 mm

Formula Instant Fix Midnight Beauty Cream, at Marks & Spenser
Visibly brighter complexion Skin is supple, refreshed and more radiant Skin is recuperated, energised and invigorated Suitable for all skin types Hypoallergenic In 4 weeks, 87% of women who tested the cream reported their skin felt refreshed, revitalised and invigorated A combination of lavender active, to release endorphins, detoxifying guarana, nourishing rosehip and liquorice, helps to even skin tone 30ml

Tallarook Marsanne 2006, Central Victoria - Case of 6, at Marks and Spencers
Style: Dry, rich and full-bodied Grape Variety: Marsanne Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Classic Glasses Anniversary Card, at Marks & Spencer
Cover text: Anniversary Inside message: Blank for your own message Approx size: 175 mm x 125 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Memory Foam Pillow, at Marks & Spenser
Provides support and maximum comfort Plain, Manufacturer: Marks & Spencer

Younger Boys' Thomas & Friends© Trolley Bag, at MarksandSpencer
A must-have for fans of Thomas & Friends, this extendable grip handle trolley bag features Thomas, the tank engine

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

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

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