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 Marks and 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, 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.

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

When you're shopping at Marks & Spencers 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 Buildings & Contents Insurance and Car Insurance, there's a lot more going on at Marks & Spencers 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."

125 Years Luxury Wool Rich Single Breasted 2 Button Jacket with Cashmere, at Marks and Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Multiple Zip & Pocket Cross-Body Bag, at Marks & Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and multiple pockets. A practical and stylish accessory

Mixed Chunky Bead Chain Necklace, at Marks & Spenser
Clasp fastening Link chain Mixed chunky beads Adjustable length Length: 86cm, extendable by 8cm

Portfolio Diamanté Bow Mid Heel Slingback Shoes, at Marks & Spencers
Pointed toe Diamant bow feature Slingback style Mid heel Heel height 69mm Comes in sizes 3-8, including half sizes

Classic Collection Pure Cotton Floral Skirt, at Marks n Spencer
Beautifully designed to fit, flare and flatter, this fully lined pull-on skirt is bias cut for an elegant shape. The ideal match for blouses and fine knits in coordinating colours

Pure Cotton Silver Leaf Cushion, at Marks & Spencers
Square shape L50 x W50cm, Manufacturer: Marks & Spencer

Autograph Exclusive Sea Island Cotton Vest, at Marks & Spencers
Grown from the world's rarest variety of cotton, Sea Island Cotton flourishes exclusively in the perfect climatic conditions of the West Indies. Hand-picked and gently processed, the extraordinarily long fibres - up to 52mm - are woven into a cotton fabric that boasts the remarkable softness of cashmere and the superior durability of wool

Plait Belt Halterneck Swimsuit, at Mark & Spencers
Stylish and shapely this flattering swimsuit is designed in the latest shape. Designed to fit and flatter

Autograph Styled Flock Stripe Thong, at Marks & Spensers
Sophisticated and feminine, this modern thong features a stripe design and skirted sides. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Blue Harbour Pure Cotton Picnic Check Shirt, at Mark's & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

3 Aperture Photo Frame with Mount 10 x 15cm (4 x 6''), at Marks & Spencers
3 identical apertures Long rectangular frame Removeable mount card Aperture: 10 x 15cm (4 x 6in) H26.5 x W47cm, Manufacturer: Marks & Spencer

Leather Rectangle Plaque Buckle Belt, at M+S
Add a smart finishing touch with this pure leather belt and plaque buckle

Moulton Console Table, at Marks & Spensers
H86 x W95 x D32cm 2 shelves Glass top Glass table tops are made from safety-tested toughened glass Made from solid ash and ash veneer All wooden shelving is finished with a starburst veneer effect 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

Easycare Short Sleeve Narrow Stripe Shirt, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Per Una Double Breasted Water Repellent Mac with Belt, at Marks and Spencer
A modern double breasted mac featuring a check design. A matching waist belt gives it the Per Una touch

Pure Cotton Fisherman Bag, at Marks and Spenser
Stylish and practical, this day bag is ideal for keeping all your essentials to hand

2 Cotton Rich Woven Stripe Nursing Bras, at Marks and Spenser
Crafted from pure cotton to provide the essential comfort you need during and after your pregnancy. Wide adjustable straps and added stretch create a flattering shape while offering gentle support

Portfolio Button Detail Wide Leg Trousers, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Corbières 2007 - Case of 12, at Mark's & Spencer
Style: Full bodied Grape variety: Mixed Red Country of origin: France Closure: Natural cork Suitable for vegetarians 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

Pure Cotton Short Sleeve Assorted Face T-Shirt, at Marks and Spencer
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Cotton Rich Embroidered Corduroy Trousers, at M & S
Stylish and versatile, these comfortable cotton rich cords can be worn smart or casual. A practical easycare choice

Portfolio Tie Belt Safari Jacket, at Marks n Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

The Floral Collection Rose Anti-Perspirant Roll-On, at Marks & Spencer
50ml Rose fragrance Roll-on Alcohol free

Autograph Malva Chair, at Marks and Spencers
H75 x W75 x D90cm Seat H42cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Swivel metal base instead of feet Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Autograph Small Rollercase, at Marks & Spensers
Free 5 year guarantee Take the hassle out of travel with the practical, easy to transport and stylish design of this spacious rollercase. Perfect for business travel, this case includes a garment carrier and shoe bag Includes free i-trak luggage ID service see details below

1000 Places to See Before You Die by Patricia Schultz, at Marks and Spencer
This title describes 1000 "must-see" spots, from beaches to museums to cathedrals to bustling markets, grand hotels to backwater inns, rugged safaris to the most pampering spas. It includes addresses, phone and fax numbers, websites, costs and best times to visit with subject-specific indexes

Zamora Sauvignon Blanc 2007 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: USA Closure: Screw cap Suitable for vegetarians 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

Maternity Straight Leg Jersey Trousers, at Marks and Spencers
Fashionable and modern, these straight leg trousers are designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

3D Text Auntie Birthday Card, at Marks & Spenser
Cover text: Auntie Inside message: With lots of love on your birthday Approx size: Unfolded: 150 x 215mm

3 Pairs of Easy Grip Socks, at Marks & Spenser
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

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 MarksandSpencer are so useful. M&S 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 M&S 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 M&S Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.