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

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

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the M&S online store. Here are just some of the financial products which can be purchased via the M&S Finance 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 Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

Cashmilon™ Long Sleeve V-Neck Jumper, at Marks & Spencers
Elegant and feminine, this jumper features a flattering V-neck. Stylish, practical and fashionable

Mother of Pearl Photo Frame 13 x 18cm (5 x 7''), at Marks&Spencer
Mother of pearl border Rectangle shape Aperature: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Storage - NL CERAMC BISCUIT, at Marks and Spencer
Manufacturer: Marks & Spencer

Patent Belt, at Mark & Spencers
The glossy finish and metallic flecks add a touch of irresistible glamour. Our Perfect products are the ultimate must-haves

Dualit Blender - Cream, at Marks & Spencer
1.5 litre jug capacity Variable speed control 500 Watt heavy duty motor Removable blades for user safety and ease of cleaning Patented safety interlock system for blades - prevents the blades from rotating unless both glass jug and lid are in place Pulse/turbo feature Ice-crushing/smoothie function Cord storage Removable component in the lid which acts as a measuring cup for small quantities of ingredients Non-slip suction feet Weight: 5 kg Dimensions: W16 x H37 x L21 cm 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

Winchester Collection - Floor Lamp, at Marks and Spencer
Conical shade Ridged top Round base 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 Linen Blend Short Sleeve Embroidered Shirt, at Marks & Spensers
Stylish and contemporary, this embroidered shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Schoolwear Plus Fit Recycled Stormwear™ & Stain Defence™ Blazer, at Marks and Spencer
This larger sized blazer is treated with our unique Stormwear™ finish which repels water and Stain Defence™ to repel stains. It's made from polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations View Plus Schoolwear Size Guide. Find out more

Green Glitter Butterfly Birthday Card, at Marks & Spencer
Cover text: Birthday wishes Message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114 mm

Pure Cotton Fine Rib Runner, at Marks & Spensers
Ribbed design Plain, Manufacturer: Marks & Spencer

M&S 4GB SD Memory Card, at Marks & Spencer
Read (MB /s): 18MB Write (MB /s): 6MB Available capacity: 3890MB 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

Cotton Rich Dart Detail Belted Shift Dress, at Marks and Spencer
Sleek and chic, this cotton rich dress is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

5 Cotton Rich Seamfree Plain Shorts, at Marks and Spenser
These seamfree cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Groove Arm Aviator Sunglasses, at M&S
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

50/50 Cream Pinstripe Bedset, at Marks and Spencer
Pinstripe design Single set includes duvet cover and 1 pillowcase, double and king size includes 2 pillowcases Comes in single (3ft), double (4ft 6') and king size (6ft), Manufacturer: Marks & Spencer

Ultimate Non Iron Pure Cotton Neutral Stripe Shirt, at Marks & Spensers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Detroit Media Unit, at MarksandSpencer
H50 x W95 x D40cm Equipment space: H15 x W83 x D36cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European hardwood. Draw fronts made from oak veneer Solid oak legs Shelves made with oak veneer 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton 2 Piece Blanket Bale, at Marks and Spencer
2 piece set Stripe design blacket with embroidered trim Knitted plain textured blanket, Manufacturer: Marks & Spencer

Limited Collection Cotton Rich Spot Vest & Shorts Set, at Mark & Spensers
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Per Una 3/4 Sleeve Floral Longline Tunic, at Marks n Spencer
A fashionable 3/4 sleeve tunic featuring a floral print and ruched detail

Andante Rim Side Plate, at Marks&Spencer
Ideal for everyday use, durable Plain Round shape Diameter 21cm, Manufacturer: Marks & Spencer

Earth Spa Soothing Flower Milk Bath, at Marks and Spenser
250ml With elements from around the globe to restore, replenish and pamper With jasmine, lotus flowermilk ans essential oils of bergamont Rose & orange flower to moisturise and relax

Autograph Straight Leg Jeans, at Marks & Spencers
Aim for a must-have retro inspired look with the sandblasted wash and stylish whiskering of these contemporary five pocket jeans. Step out in style by teaming them with a slim cut blazer and pinstripe shirt

Per Una Brow and Lash Gel, at Marks and Spencers
Non-flaking Conditioning Hypoallergenic Carmine free and GMO free Animal Free - No ingredients of animal origin

Holographic Flowers Roll Wrap, at Marks and Spencers
1 roll wrap Approx size: 1.5 x 700mm

Animal Print Halterneck Bikini Top, at M&S
Stylish and elegant, this fashionable bikini top features a striking animal print. A fabulous fashionable look

Autograph Pure Cotton Long Sleeve Rib Stripe Shirt, at Marks and Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Firefinch Sauvignon Blanc 2008 - Case of 12, at Marks and Spenser
Style: Dry, crisp and fruity Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites This product is not available for international delivery. Find out more

Pair of Rosemary Trees, at Marks&Spencer
This pair of herb trees will look stunning on a patio or doorstep and provide delicious flavours in cooking Available for delivery until 30th September 2009

2 Piece Pure Cotton Stripe Dungaree Outfit, at Marks and Spenser
Fashionable and practical, this cute 2 piece dungaree outfit features a stripe design with button detail. It's made from soft cotton to keep her comfortable and happy

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 & Spencer 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 MarksandSpencer, through its M&S Finance 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.