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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spenser 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 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 Marks & Spencers Money, you get more, and you pay less.

Besides M&S Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Household 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 Money 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 Marks and Spencers purchases are also protected while you take them home.

Also, on both M&S Money Premier Household Insurance and Standard Household 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.

16-Piece Cutlery Set, at Marks and Spencer
16-piece set Includes 4 knives, 4 forks, 4 spoons and 4 teaspoons Coloured handles 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Spotty Die Cut Type Sister Birthday Card, at Marks and Spencer
Cover Text: Happy birthday sister Inside Message: Blank for your own message Approx. Size: 150 mm x 215 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Sonoma Kitchen Corner Unit & 70cm 3 Drawer Base Unit with Oak Tops Set, at Mark's & Spencer
Corner Unit: H87.5 x W87 x D87cm Corner Worktop: H10.5 x W93 x D93cm 3-Drawer Base Unit: H87.5 x W70 x D52cm Base Unit Worktop: H10.5 x W70 x D60cm Corner unit includes 1 shelf and can be fitted left or right hand Worktop thickness: 3cm Made from solid oak and oak veneer Finished with a protective low-sheen lacquer for added durability Adjustable feet on base unit Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself 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

Disney Princess Activity Pack, at Marks & 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

Playmobil Police Seaplane Toy, at M&S
Suitable for ages 4+ Floating feature Consists space for two figures Functioning propellers Wingspan: approximately 16 inches This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Sport Eau de Toilette, at M+S
Sporty fragrance 30ml This product is not available for international delivery. Find out more

Gold Plated Multi Strand Treasure Bead Necklace, at M&S
Clasp fastening Adjustable length Multi strand Mixed bead design Necklace length 41cm, extendable by 8cm

Pure Silk Woven Multi Stripe Tie, at Mark's & Spencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

Per Una Floral Applique Layered Blouse, at Marks & Spencer
An elegant layered blouse featuring floral applique detail

2 Piece Pure Cotton Dungaree Outfit, at Marks and Spencer
Cute and casual, these ribbed dungaree and frill trim top looks fabulously fashionable worn together or separately

Blue Harbour Cotton Rich Sweat Pants, at Mark & Spensers
Whether you're active or relaxing, do it in style and comfort in these cotton rich joggers

Gold Plated Multi Strand Bead Necklace, at Marks and Spencer
Multi-strand design Intermittent beads Clasp fastening Adjustable length Necklace length: 43cm This product is not available for international delivery. Find out more

Lichfield 5-Drawer Wide Chest, at M&S
H90.5 x W116.5 x D50cm With three small and two wide drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered 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. SAVE ON SETS Save at least 25% when you buy this chest as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ultra Fit Plain Sport Briefs, at Mark's & Spencer
These innovative Ultra Fit Sport briefs keep you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

Die Cut Handmade Flowers Anniversary Card, at Mark & Spensers
Cover text: Happy Anniversary with love Inside message: Blank for your own message Approx size: 175 mm x 125 mm

Sony Bravia 46'' KDL-46EX1 HD Ready LCD TV, at Marks & Spenser
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 2 with a 46 inch viewable screen and a display resolution of 1920 x 1080 pixels Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical), HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA AV Input x 2, RF In, Scart Inputs (RGB) x 1 BRAVIA Engine 2: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 2 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Barossa Chardonnay 2007 - Case of 6, at Mark & Spensers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% 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

Girls' Limited Double Breasted Stripe Cardigan, at Marks and Spenser
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Pure Cotton Stripe Mock Layer Jersey Top, at Marks and Spencer
Smart and stylish, this mock layer top is made from cool comfortable cotton and features a ruffle front detail and stripe print

Per Una 3 Piece Bolero & Vest Set, at Marks & Spensers
A fashionable 3/4 sleeve bolero featuring a matching vest and added scarf

5 Cotton Rich Card Suit Print Shorts, at Marks & Spensers
These card suit print cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Cotton Rich Belted Bootleg Jeans, at M & S
Comes with belt shown in image Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit. Specially designed for the petite frame

Vin D'Alsace Gewurztraminer 2008 - Case of 12, at MarksandSpencer
Style: Dry Grape variety: Gewurztraminer Country of origin: France 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

Single Sprung-Edge Divan with 1 Small + 1 Large Drawers & F400 Coolmax® Pocket Memory Foam Mattress, at Marks and Spenser
Single mattress (3ft): W90 x L190cm Single divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Pocket sprung mattresses give a flexible feel All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

4 Leather Placemats, at Mark & Spensers
4 pack Ridge detail, Manufacturer: Marks & Spencer

Medium Jungle Monkey, at Marks and Spencer
Suitable for ages 0-3yrs H23cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Sophisticated Dress Mum Birthday Card, at M+S
Cover text: To a special Mum Inside message: With love on your Birthday Approx size: 178 mm x 125 mm

M&S Cable Tidy, at Marks & Spencer
Free 2 year guarantee Tidy up that unsightly pile of cables and wires by gathering them together in this neat cable tidy

Blue Harbour Pure Cotton Floral Print Shirt, at Marks and Spencer
Relaxed and stylish, this floral print shirt is made from pure cotton so it feels soft and comfortable to wear

White Pearl Damask Place Cards - Pack of Ten, at Marks & Spenser
Contains: 10 cards, 1 design Approx size: Flat: 90 x 90mm Approx size: Folded: 45 x 90mm

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 M & S are so useful. M&S Money financial products are, of course, designed to make Mark's & 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.