Marks & Spencers 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 & Spencers 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 & Spensers 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

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

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 and Spencers 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 Marks & Spencers, through its Marks & Spencers 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 & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Autograph Pure Cashmere Polo Neck Jumper, at Marks&Spencer
Blissfully cosy, this polo neck jumper is made from pure cashmere for the ultimate in luxurious softness

Perfect Single Breasted Short Jacket, at Marks & Spensers
The neat cut of this jacket gives it contemporary catwalk appeal. You'll love the soft feel and the fantastic price, too

Autograph Loretto Right-Hand Chaise, at M&S
All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad made from 100% polyester H62 x W200 x D97.5cm Seat H30.5cm Suitable for indoor or outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Barbera D'Asti 2006 - Case of 12, at Marks and Spenser
Style: Medium bodied Grape variety: Barbera Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 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 Thermal V-Neck Vest, at Marks & Spenser
Keep cosy in this soft thermal V-neck vest made from breathable cotton for improved comfort. Warm without being bulky, it makes the perfect extra layer for cold weather

Dan's Mouse Floral Mum Birthday Card, at M&S
Cover text: With love to you Mum, On your Birthday! Inside text: Have a great day! Size: 150 x 215mm

Ceriso Lace Trim Animal Print Padded Bra, at Marks and Spenser
Sassy and glamorous, this modern bra is beautifully detailed with an animal print and lace trim. Soft padding and underwiring give great support and a flattering enhanced flattering shape. Designed for women who want the latest look

Bamboo Collection Salad Servers, at Marks and Spenser
2 part set Includes salad fork and spoon, Manufacturer: Marks & Spencer

Bare Cooling Tights, at Marks & Spenser
Never lose your cool again in warmer weather with our Bare Cooling tights. Crafted from a revolutionary Japanese yarn, their incredibly lightweight design releases a cooling sensation to your legs as you wear them

Limited Collection Lace Stripe Shorts, at M & S
Fabulous and modern, these shorts are part of our Limited Collection lingerie. Theyre made from smooth stretchy fabric and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

3 Pairs of Collezione Diamond Socks, at Mark & Spencers
Exclusively designed for M&S, these smart socks are inspired by Italy and feature a luxury cotton weave for the ultimate in style and sophistication

Portfolio Short Sleeve Scoop Neck Top, at Mark & Spensers
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

Fuzzy Teddy Thank You Multipack of 8 Cards, at Marks and Spencers
Cover text: Thank You Inside message: Blank for your own message Approx. size: 120mm x 120mm

Stormwear™ Multi Pocket Hooded Parka, at Marks&Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves and inside pockets keep lunch money safe

Blue Harbour Pure Lambswool Zip Neck Argyle Jumper, at Marks and Spencers
An extremely comfortable zip neck argyle jumper. It's made from extra fine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Lightweight Stripe Tassel Scarf, at MarksandSpencer
This sophisticated border square scarf is the perfect accessory to this season's fashions. The tassel details add a stylish finishing touch

Cotton Rich Hooded Cardigan, at Marks and Spencer
A practical choice for school, this hooded cardigan is made from soft cotton rich fabric with stretch. It's easycare for convenience

5 Pairs of No-Show Trainer Liners with Cool&Fresh, at Marks and Spencer
Comfortable and durable, these socks are outstanding value. They feature a reinforced toe and stretch fabric for an improved fit

Autograph DD-G 2-Tone Embroidered Bra, at Marks & Spencers
Luxurious and elegant this bra features two tone embroidery. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

M&S 1.5m Gold-Plated Scart Cable, at Marks and Spencers
1.5 metre cable Gold-plated connectors reduce resistance and improve quality 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

Photographic Cakes Aunty Birthday Card, at Marks and Spencer
Cover text: Aunty Happy Birthday 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

Royal Jelly & Pure Honey Body Wash, at Marks & Spensers
Body wash 200ml

Sterling Silver Filigree Heart Pendant Necklace, at Marks and Spencers
Clasp fastening Fine chain Filigree heart pendant

Per Una Speziale Long Wear Nail Polish, at M+S
Long wear nail polish Chip resistant Up to 5 days wear 9ml This product is not available for international delivery. Find out more

Pop-Up Alarm Clock, at Mark & Spencers
Compact design Digital display, Manufacturer: Marks & Spencer

5 Pure Cotton Assorted Bodysuits, at Marks & Spencer
Cute and practical, this pack of 5 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep her feeling comfy and happy

Baking Bible, at Marks and Spencer
Rejuvenate the art of baking with this useful book, create delicious home baked food for your family to enjoy

Sherberts Anniversary Chandelier Card, at Marks and Spenser
Cover text reads: Happy Anniversary Inside is blank for your own message Approx size: 125mm x 178mm

Per Una 2 Tone Floral Lace High Leg Knickers, at M & S
Fresh and feminine, these stylish knickers feature floral design and a lace trim. The high leg style gives a flattering long-legged look. Pretty everyday fashion

Per Una Wool Blend Ruched Dress with Belt, at Marks & Spencers
A fashionable knee length dress in a soft wool blend featuring a velvet tie belt

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