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 & Spenser 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.

Besides Mark's & Spencer Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Buildings 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 M&S purchases are also protected while you take them home.

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

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spenser once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Mark & Spensers, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Lego City Front End Loader Toy, at Marks & Spenser
Suitable for ages 5+ Move around the construction site with ease! Front end loader pivots and the bucket lifts and lowers! Includes 1 construction worker minifigure! Measures 8 inches (20cm) long! 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 Pure Cotton Animal Border Pillowcase, at Marks and Spencer
Co-ordinate with satin stitch white plain dye sheets and pillowcases strokes T356490F,T356490S,T356940P Embroidered detail, Manufacturer: Marks & Spencer

Autograph Light Control Guipure Mesh Briefs, at Marks & Spencer
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Autograph Blush Body Spray, at Marks & Spencers
To use: Shake well. Spray 15cm from your body 100ml This product is not available for international delivery. Find out more

Photographic Puppy Aunty Birthday Card, at Marks and Spencers
Cover text: Aunty... Hope you have a relaxing birthday Inside message: Blank for your own message Approx size: 150 x 150 mm

Touch Table Lamp, at Marks & Spencers
Fabric shade Touch and glow feature 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Weekend Cotton Rich Straight Leg Jeans, at Marks and Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Honey Tree Sparkling Chardonnay Pinot Noir - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

4 Sennen Mugs - Blue, at Mark & Spencers
4 piece set Contrast design H11 x Diam 9cm, Manufacturer: Marks & Spencer

Pure Cotton 3/4 Sleeve Square Neck Top, at M&S
For casual elegance, you can't beat this stripe square neck top. A great value cotton essential

Lotus Flower Pot Pourri Bag, at Marks & Spensers
Floral scented assortment, Manufacturer: Marks & Spencer

Panasonic NN-GD377S 850W Family Combination Oven, at Marks & Spensers
Oven capacity: 20 litre Output power: 850 W Grill power: Quartz 1100 Inverter: Yes Auto programs: 10 Turn table size: 24.5cm Control panel: Buttons/dial Interior dimensions: W32.5 x D33 x H19.1 Exterior dimensions: W48.2 x D36.4 x H28.4 Weight: 11kg Accessories: Turntable(round glass tray) and round wire rack Features: Auto guide, chaos/turbo defrost and child lock 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 This product is not available for international delivery. Find out more

Cream Floral and Polka Dot RSVP Cards - Pack of Ten, at Marks and Spenser
Inside message: Many thanks for your kind wedding invitation................................................................Would be pleased to accept/cannot accept 10 cards, 1 design Approx size: 133 x 73mm

Fluted Glass Ball Table Lamp, at Marks and Spencers
Glass ball design base Fabric shade H55 x Diam 35cm Bulb: BC GLS Max 60W, Manufacturer: Marks & Spencer

Autograph Multi Bead Stretch Bracelet, at Mark & Spencers
Multi bead design Stretch style

Lady Shaver with Pink Carry Case, at Marks and Spencer
Pink drawstring carry case Miniature razor cleaning comb 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 This product is not available for international delivery. Find out more

Classic Collection Knitted Cut Work Cardigan, at Mark & Spencers
Soft and comfortable, this cut work detail cardigan is ideal when you need a light extra layer. The colour complements the rest of this season's Classic collection, making it easy to coordinate outfits

Autograph Essentials Wool Rich Wide Leg Trousers, at Marks&Spencer
Luxurious and contemporary, these smartly tailored wool rich wide leg trousers are part of our exclusive Autograph range

Personal Safety Alarm, at M+S
130 decibel alarm - nearly equivalent to a jet plane and louder than a jackhammer or chainsaw The 'scream' alarm sound is designed to shock and disorientate your attacker, giving you precious seconds to get away Can be attached to a key ring or bag Alarm is activated by pulling the chain sharply Dimensions: H7.7 x W3.7 x D2.2cm Comes in 3 colours / designs This alarm can be used more than once and has 10 minutes' battery time in total. Please note the battery cannot be replaced and continual short use will shorten its life This product is not available for international delivery. Find out more 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

Little Acorns Baby Keepsake Box, at Marks & Spensers
Contains: 1 keepsafe box H290 x W290 x D95mm

Soft Grip Pasta Server, at Mark & Spensers
Hole in handle for hanging storage Soft grip handle, Manufacturer: Marks & Spencer

Pure Cotton Embroidered Number Joggers, at Marks n Spencer
Relaxed and comfortable, these casual joggers are made from soft cotton and feature an embroidered number feature. A practical easycare choice

Pure Cotton Animal Print Sarong, at Marks and Spenser
Feminine and pretty, this fashionable sarong features a striking animal print. The ultimate in poolside glamour

Blossom Tree Embroidered Curtains, at Marks and Spencers
Manufacturer: Marks & Spencer

Classic Collection Leaf Print Tunic Shirt, at Mark's & Spencer
Feminine and pretty, this leaf print tunic shirt will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Apple Shaped Jotter Box Thank You Teacher Gift, at Marks & Spencer
1 apple shaped box Jotter paper 2 pencils Approx size: H95 x D130mm

Gold Plated Frosted Loop Set, at M&S
2 part set Butterfly fastening loop earrings Clasp fastening frosted loop necklace Diamant detail

Suzie Damask Jacquard Quilt, at Marks&Spencer
L250 x W265cm Quilted Cotton Rich Damask design, Manufacturer: Marks & Spencer

7 Piece Pure Cotton Embroidered Eskimo Set, at Marks and Spencer
Ideal for new arrivals, this cute and practical set contains: all in one, jacket, crawler, 2 bodysuits, t-shirt and bib. A great value pack in soft comfy cotton

3 Easycare Long Sleeve Shirts, at M & S
This 3 pack of easycare long sleeve shirts is outstanding value! A school essential

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