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

M+S 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 House 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 House 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 Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

When you're shopping at Marks & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M+S Money. Offering everything from savings accounts and credit cards, to House Insurance and Car Insurance, there's a lot more going on at Marks n Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Flat Front Charcoal Stripe Trousers, at Marks and Spencers
Smart and stylish, this suit is outstanding value! It's made from comfortable hardwearing fabric, ideal for everyday wear

Occ Stools - PORT F/S BAKER CH, at Marks and Spencer
Manufacturer: Marks & Spencer

Signature - GRN FIG REFIL, at Marks & Spencer
Manufacturer: Marks & Spencer

White Ceramic Collection Soap Dish, at Mark's & Spencer
Plain Oval shape L13 x W9cm, Manufacturer: Marks & Spencer

Flowers Luxury Wrap Pack, at Mark & Spencers
Floral design 1 sheet wrapping paper - 980 x 685 mm 1 ribbon - 2m 1 gift tag - 115 mm dia

Sleeveless A Line Panel Dress, at Marks n Spencer
Chic and stylish, this A line panel dress features a fashionable knee length design. A great choice for work or smart occasions and it's machine washable for added convenience

Per Una Linen Blend Lightweight Jacket with Scarf, at Marks & Spencer
A smart single breasted lightweight jacket in a cool linen blend fabric. A woven scarf makes it extra stylish

16-Piece Manjaro Cutlery Set, at Marks & Spencers
16-piece set 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

Coconut Shy, at Marks and Spencer
Contains: 4 poles, 4 coconut targets with small peg fasteners, 4 beanbags, instructions Beanbags: 105 x 80 x 25mm Coconut targets: 160 x 120 x 45mm Poles: 2 x 25 x 700mm & 2 x 25 x 900mm

Humming Bird Happy Birthday Gift Card, at Marks and Spencers
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Blue Harbour Pure Cotton Crew Neck Jumper, at Marks & Spencers
Relaxed and casual, this crew neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Coloured Glass Collection - Ball Candle Holder, at Marks & Spencer
Diam 12 x H13cm Thick base Includes ball-shaped candle Coloured glass design, Manufacturer: Marks & Spencer

Autograph Round Face Analogue Watch, at Marks and Spencer
Round face Chain link bracelet Date indicator Analogue display

Halterneck Floral Tankini, at Marks & Spencer
Fun and fabulous, this comfortable floral tankini is sure to make a splash!

Gold Plated Floral Pendant Necklace, at Marks and Spencer
Adjustable length Clasp fastening Diamont floral pendant Necklace length: 40cm

Petit Chablis 2007 - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians 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

Classic Cakes Cooking Book, at Marks&Spencer
Rejuvenate the art of baking classic cakes with this useful book, create delicious home baked cakes for your family to enjoy

Autograph Pure Cashmere V-Neck Jumper, at Marks and Spencer
This luxurious v-neck jumper is made from pure cashmere for ultimate softness and comfort. Innovative construction helps it to be machine washable. Part of our exclusive Autograph collection

Autograph Bone China Dinner Plate, at MarksandSpencer
Plain Diameter: 27cm, Manufacturer: Marks & Spencer

M&S 19'' HD Ready LCD TV with Built-in DVD Player - Silver, at Marks and Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 19 inch flat screen, 1440 x 900 pixels Contrast Ratio: 500:1, Dynamic Contrast: 4000:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H41 x W46 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player 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 T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

3 Older Boys' Cotton Rich Bart Simpson Trunks, at Marks and Spencer
A must for fans of the Simpsons, these cotton rich trunks feature skateboard Bart motifs

Sony Bravia 40'' KDL-40S5500 HD Ready LCD TV, at Marks and Spencer
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 40 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 33000:1 Integrated Digital & Cable Tuner: Watch digital TV with the integrated standard definition digital terrestrial tuner (MPEG-2, also receives analogue) Dimensions: With table stand: W99.6 x H66.3 x D25.9cm, without table stand: W99.6 x H61.2 x D10.9cm Weight: weight inc. stand 19kg, weight without stand 17kg Sound: Nicam stereo Connectors: HDMI™ Inputs x 3, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, RF In, Scart Inputs (RGB) x 2 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 Picture Mode: Share your favourite photos and music on the big screen with the easy-to-use USB Photo Viewer and Music Player 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

Flat Top Silver-Effect Mantle Clock, at Marks and Spencer
Flat top Rectangular shape Inset dial Analog Glass and brushed metal design Dimensions: 16 x 13 x 5cm Weight: 0.45kg

Per Una Printed Stripe Bikini Briefs, at Marks & Spensers
Pretty and feminine, these bikini briefs are fashionably detailed with a stripe design. A sleek, shapely look

Per Una Dip Dye Cardigan with Scarf, at Marks & Spencers
A feminine long sleeve cardigan featuring a dip dye design and matching scarf

Rose Print Mug, at Marks&Spencer
Rose design Slim handle, Manufacturer: Marks & Spencer

Autograph Pure Cotton Multi Stripe Shirt, at M+S
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

Double Layer Check Shirt & Short Sleeve T-Shirt Set, at Marks n Spencer
This fashionable layered look is a 2 piece set - a short sleeve t-shirt and a full sleeve shirt in soft comfortable fabric. Stylish, practical and easycare

Per Una Water Repellent Faux Fur Hooded Jacket, at Mark's & Spencer
A cosy faux fur hooded jacket featuring a water repellent finish.

Oval Face Roman Numeral Watch, at M&S
Oval face Analogue Roman numeral Leather-effect strap

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 and Spencers, 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 House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.