M&S Financial Services 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 Financial Services 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, 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark's & Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, 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 Money Direct, you get more, and you pay less.

Shopping for financial products at M&S Financial Services 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 M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Buildings 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 M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

3 Ben 10™ Trunks, at Marks and Spencer
Fans of Ben 10™ will love this pack of 3 cotton rich trunks featuring the popular character. Fun, practical and great value

Ceramic Emrald Platter Bowls, at Marks & Spenser
Circular shape H45 x L45cm, Manufacturer: Marks & Spencer

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

Suede Sprung-Edge Non-Storage Divan, at Mark's & Spencer
Sprung edge Non-storage Solid pine frame All our mattresses and divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep H41.5cm Single: W90 x L190cm Double: W135 x L190cm King: W150 x L200cm Super King: W180 x L200cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Heritage Collection - Chandelier, at Marks & Spencers
Candle effect shades 5 arms Interlinked ball design 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

Pocket Core Stability, at Marks & Spencer
Train your body for better posture, strength and alignment with this pocket size guide to core stability. This book is jam packed with helpful tips, techniques & training routines that will help boost both your body's core strength and stamina

Low Leg Pinstripe Shorts, at Marks and Spencers
These funky pinstripe shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Per Una 3/4 Sleeve Dandelion Cardigan, at Mark & Spencers
A casual 3/4 sleeve cardigan featuring a floral and bead embellishment on the neckline and large 3 button fastening

Autograph Skinny Diagonal Stripe Tie, at Marks&Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Disney Fairies Pixie Hollow Activity Book, at Marks and Spencer
Join the Disney fairies and explore the magic of Pixie Hollow in this activity book. Enter the world of the Neverland Fairies. Play lots of fairy games and quizzies. Use yours stickers to decorate your things. This beautiful activity book is packed full of puzzles and fairy facts for hours of fairy fun !

Autograph Pure Cotton Stripe Polo Shirt, at Marks & Spensers
Casual and contemporary, this polo shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Younger Boys' Stripe Legionarries Cap, at Marks and Spencers
This legionairre style cap features a large peak and neck covering for extra sun protection

Collezione Supima® Pure Cotton Textured Fine Stripe Shirt, at Mark & Spencers
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

2 Cotton Rich Lace Trim Vests, at Marks and Spencer
Stylish and practical, this pack of 2 vests makes a great value way to stock up your underwear drawer. The stretch cotton fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Collezione Pure Cotton Stripe Shirt, at Marks&Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

Autograph Essentials Long Sleeve Jumper with Merino Wool, at Marks & Spencer
A touch of fine merino wool adds softness and warmth to this modern long sleeve jumper. Exclusive, luxurious and beautiful

Bare Cooling Shine 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

Pure Cotton Contrast Stitch Jeans, at M+S
Fun and fashionable, these easycare pure cotton jeans are outstanding value

Autograph Essentials Cowl Neck Top, at Marks and Spencers
Sophisticated and modern, this cowl neck top is beautifully designed and cut to flatter for the best in contemporary style

Running Book, at Mark's & Spencer
Running is one of the most popular forms of exercise that you can choose. Aimed at those who are new to running, this book advises you on what you need to get started and how to continue in order to improve.

Younger Boys' Pure Cotton Mr Happy Hooded Poncho, at Marks & Spenser
He'll have fun dressing up in this hooded Mr Happy costume poncho

Pure Cotton Scoop Neck Button Stripe Top, at Marks & Spencers
This short sleeved top will make a useful addition to your wardrobe. It features smart stripe details for a stylish casual look

Handbag with Keyring Charm Sister Birthday Card, at M&S
Cover text: Sister Happy Birthday Inside message: Blank for your own message Safety warning: Not suitable for children under 36 months due to small parts which present a choking hazard. Approx size: 150 x 210mm

Portfolio Pure Linen 3/4 Sleeve Blouse, at Marks & Spencers
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

Autograph Bow Clutch Bag, at Marks and Spencer
Fashionable and practical, this clutch bag is a useful accessory with bags of style!

Pure Cotton Long Sleeve Space Dog T-Shirt, at M&S
Fun and fashionable, this pure cotton long sleeve dog t-shirt is outstanding value!

Autograph Diamanté Cluster Platform Shoes, at Marks & Spencers
Platform style Round toe Diamante cluster Slip-on High heel Heel height: 112mm Comes in sizes 3-8, including half sizes

Blue Harbour Pure Lambswool Zip Neck Argyle Jumper, at Marks & Spenser
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

Big & Tall Single Pleat Trousers, at Marks and Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

Stainless Steel Whisk, at Marks and Spencer
Loop handle for hanging storage L31cm, Manufacturer: Marks & Spencer

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