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

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers 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 Home 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 and Spencers, 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.

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 Home 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 Home 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.

Signature Natural Cotton Room Spray, at Marks and Spencers
15ml Deodorising spray Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Sequin Leopard Print Shopping Bag, at MarksandSpencer
Fashionable and practical, this leopard print shopping bag is a useful accessory with bags of style!

Pure Cotton Surf Scene Polo Shirt, at M&S
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features surf scene motif. Practical, comfortable and easycare

Tree Pastry Cutter, at Marks & Spencer
Tree design, Manufacturer: Marks & Spencer

Sonoma Dark Double Wardrobe, at M+S
H200 x W91 x D65cm 1 hanging rail and 1 shelf 2 doors and 1 drawer Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid hardwood Door frames made from solid wood. Door panels made from White Oak veneer Delivered flatpack due to size 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 manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this wardrobe as part of a set. Click here to view the Sonoma Dark Collection Set. , Manufacturer: Marks & Spencer

3D Rosebud Cushion - Cream, at Marks and Spencer
L43 x W43cm 3D rose applique design Pure Cotton, Manufacturer: Marks & Spencer

Antares Luggage Large Rollercase, at Marks and Spencers
Free 5 year guarantee A smart option for travel, the wheeled design and retractable pull handle offer easy mobility no matter where you are in the world. A zip fastening helps keep your belongings secure

150 Maths and English Activities, at Marks&Spencer
150 Maths and English activities designed to support learning at school. Carefully linked to the National Curriculum. With over 200 gold stars and sticker badges to encourage and reward your child

Diamanté Square Photo Frame 13 x 18cm (5 x 7"), at Marks and Spencer
Rectanglular Aperture 5 x 7in H13 x 18cm, Manufacturer: Marks & Spencer

Ashbourne 2-Seater Sofa, at Marks and Spencers
H99 x W202 x D104cm Seat H49cm, arm H65, top back rail H75cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible seat cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

De Bortoli Willowbank Shiraz 2007 - Case of 12, at M+S
Style: Dry, full bodied Grape variety: Shiraz Country of origin: Australia Closure: Screw cap 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

3 Pure Cotton Long Sleeve Cutie Tops, at Marks and Spencer
Stock up on essentials for less! This great value pack of 3 pure cotton long sleeve cutie tops is comfortable, practical, fashionable and easycare

M&S Corded Phone with Large Phonebook & Answering Machine, at Marks & Spencer
Extra large 3 line display 120 name and number phonebook Digital answering machine - Up to 20 minutes digital recording time with remote access Hands-free speakerphone Caller display stores information on the last 99 calls Last number redial Adjustable speakerphone and ringer volume Wall mountable 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

Portfolio Longline Ombre Jacket, at Marks & Spenser
Part of Portfolio's C'est Chic trend, featuring a cosmopolitan palette of black, off white and neutral, this is a feminine and elegant look for the new season

In Bloom Rose & Amber Fragranced Candle, at Mark's & Spencer
Rose and amber fragrance Burns upto 20 hours, Manufacturer: Marks & Spencer

125 Years Retro 3 Pack of Tea Towels, at Marks and Spenser
Pack of 3, Manufacturer: Marks & Spencer

3D Rosebud Cushion - Gold, at Marks&Spencer
Square shape 3D rosebud appliqu design L43 x W43cm, Manufacturer: Marks & Spencer

Cuddle Bear Fleece Blanket, at Marks and Spencer
Embroidered bear design Contrast trim L150 x W120cm Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

2 Piece Autograph Check Pinafore Outfit with Wool, at Marks & Spenser
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

M&S 2-Tier Steamer, at Marks & Spenser
5.6 litre capacity 800 watt 60 minute timer 2 detachable steaming compartments Power indicator Automatic shut-off Dimensions: H39 x D35cm 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

Dawson Bedstead - Super King Size (6ft), at Marks & Spencers
L207 x W183cm Headboard H121cm Endboard H51cm Silver frame made from cast metal Mattress sold separately Self assembly This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Pure Cotton Fitted Cot Sheets, at Marks & Spencer
Pack of 2 Fitted design Plain, Manufacturer: Marks & Spencer

Funnel Neck Fleece Gilet, at Marks and Spencers
Soft and comfy, this fleece gilet makes a stylish way to add a warm extra layer

Machine Washable Fine Stripe Tie, at Marks and Spencer
No more trips to the drycleaners! This striped tie is machine washable

Sicilian Lime & Bergamot Sugar Scrub, at Marks n Spencer
Sicilian lime and bergamot fragrance Body scrub 200ml

Autograph Pendant Necklace Made with CRYSTALLIZED™ - Swarovski Elements, at Marks and Spenser
Clasp fastening Adjustable length Multifaceted triple pendant Fine chain Made with CRYSTALLIZED™ - Swarovski Elements Necklace length 41cm, extendable by 8cm

Desroches Champagne - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Cotton Rich Straight Leg Joggers, at Marks and Spencers
Relaxed and comfortable, these easycare joggers are made from cotton rich stretch fabric for ease of movement and great shape retention

Lemon Soufflé, at Marks and Spencers
Serves 6-8 Ready to eat Comes in a table-presentable ceramic dish Not suitable for nut allergy sufferers 700g total weight As featured on page 51 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Arched Overmantle Mirror, at Mark & Spensers
Free standing Arch shape Ornate frame design H72.5 x W105.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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 Marks and Spencers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.