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:

• 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.

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 Mark & Spensers are so useful. M&S Money financial products are, of course, designed to make Marks & Spenser 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 Money 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 Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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

Push-Up Lace Padded Balcony Bra, at Marks & Spencer
Soft and comfortable, this padded bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Soft Bikini Knickers, at Mark's & Spencer
Smooth and sleek, these soft stretchy bikini knickers are finished with smooth flat edges, so there are no visible outlines under clothes. The low rise, high leg style and close fit give a sleek, shapely look. Designed for a streamlined silhouette

Double Buckle Strap Briefcase, at Marks and Spencers
Smart, stylish and practical, this double buckle briefcase makes it easy to organise and carry your documents

Coloured Glass Collection - Small Hurricane Lamp, at Marks & Spencer
H18 x Diam 13.5cm Thick base Coloured glass Candle and sand included Hurricane lamp style, Manufacturer: Marks & Spencer

Blue Harbour Stormwear™ Reversible Jacket, at M+S
Stylish and contemporary, this jacket is treated with Stormwear™ technology, a breathable finish that repels water and stains

Cotton Rich Embroidered Hem Tie Jacket with Silk, at M+S
Elegant and feminine, this tailored cotton rich jacket features a pretty embroidered hem and tie fastening. A smart and stylish choice

Harmony Shoulder Bag, at Marks & Spencers
Fashionable and fabulous, this scoop handbag is designed in one of this season's key shapes. It's strong and practical as well as a trend-conscious accessory. Get the latest look!

Blue Harbour Cotton Rich Zip Fastening Hoodie, at Marks & Spencers
A casual essential, this cotton rich hoodie is extremely comfortable and can be worn layered for a contemporary look

Pure Cotton Waffle Dressing Gown, at Marks & Spencers
Pretty and feminine, this dressing gown is made from pure cotton. Relax in style and comfort

Sony Bravia 40'' KDL-40Z4500 HD Ready LCD TV, at Marks and Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch LCD, 10 Bit Panel, 6.2 Mega Pixels, Picture Mode:14:9 Mode, 4:3 Mode, Screen Aspect Ratio: 16:9 Contrast ratios: Dynamic contrast 80000:1 Integrated Digital and Cable Tuners: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) and is cable TV ready (with supported operators only Dimensions: W100.5 x H70.5 x D27.9cm (including table top stand) Weight: 25.5kg (including table top stand) Surround Sound Effect: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force front surround technology Connectors: Digital audio output (optical), 3 x HDMI™ Inputs, PC Input (15pin D-Sub) + Audio In, 1 x Component Inputs, 1 x Composite Video In, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone), PCMCIA Card Slot, RCA Audio Out, 3 x RCA AV Input, RF In, 2 x Scart Inputs (RGB), BRAVIA Sync, DLNA Ethernet (Music/Photo), Digital Media Port BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour the way nature intended it to be seen 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xcross Media Bar: No more confusing menu screens thanks to our easy-to-navigate XrossMediaBar™ to browse all your TV functions Picture Frame Mode: When you are not watching TV, turn it into a digital picture frame with Picture Frame Mode. Fill the black hole in your living room by using your TV to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Control your entire home cinema set-up with just one click on the TV remote and access the menus on compatible peripheral devices such as Handycam camcorders thanks to BRAVIA Sync 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

White Ceramic Collection Soap Dish, at M+S
Plain Oval shape L13 x W9cm, Manufacturer: Marks & Spencer

Soft Touch Dacron® 13.5 Tog Duvet, at Marks & Spenser
Super-soft Dacron filling Non allergenic, Manufacturer: Marks & Spencer

25 Sweet Bergamot Room Scenters, at Marks & Spenser
25 candles Sweet scented fragrance Burns up to 4 hours, Manufacturer: Marks & Spencer

Non-Iron Small Grid Check Shirt, at Marks n Spencer
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Florentyna Body Cream, at Marks and Spencer
Body cream with moisturisers 200ml

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

Per Una Tab Front Knee Length Dress, at Marks and Spencer
A fabulous knee length dress featuring tie cuff details

Enchanted Pearl Embroidered Bedset, at Marks and Spencers
Embroidered bedset Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super King size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

5 Cotton Rich Spot Print Full Briefs, at Mark's & Spencer
These spot print cotton rich full briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Collezione Pure Wool Single Breasted 3 Button Stripe Jacket, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 garment to give you a feeling of luxury like no other

Winita Mannequin Jewellery Holder, at Mark & Spensers
Mannequin design Multiple hooks H18"

Single Breasted 2 Button Stripe Jacket, at Marks & Spenser
Smart, practical and comfortable, our essential suits are made in stylish designs from durable fabrics. Ideal for everyday wear

Large Glass Candle Holder, at Marks and Spenser
Multi layered stem Faceted Wide base Dimensions: H32cm, Manufacturer: Marks & Spencer

Tie Waist Long Sleeve Dressing Gown, at Marks and Spencers
Wrap up and relax in this soft dressing gown featuring a contrast spot trim design for a pretty look

Sony Leather Camera Case, at Marks & Spencers
Use this durable leather case to keep your camera safe when you are out and about

Per Una 3/4 Sleeve Pintuck Top, at Marks and Spencers
A feminine 3/4 sleeve top featuring pintuck and ruffle detail

Take That - The Circus CD, at Marks & Spencer
Audio CD, Marks & Spencer

Die Cut Duckling New Baby Card, at Marks & Spencer
Cover text: New baby Inside message: Congratulations Approx size: Unfolded: 150 x 150mm

Adored Pure Cotton Stripe Minishirt, at Marks and Spencer
Stylish and elegant, this flattering stripe minishirt is part of our feminine Adored collection. It's made from soft pure cotton for the ultimate in comfort

Short Sleeve Crushed Stripe Shirt, at Mark's & Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary stripe print

Marks and Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but Marks and Spencers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money insurance products (Buildings Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencers insurance products in document format too.