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 Spencer 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 Tescos:

• 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 Marks & Spencer are so useful. M+S Money 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M+S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your M&S purchases are also protected while you take them home.

Also, on both M+S Money Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Wool Rich Single Breasted 2 Button Jacket, at Marks & Spensers
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

M&S 42'' Full HD 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: 42 inch flat screen, 1920 x 1080 pixels Contrast Ratio: Dynamic Contrast Ratio 10000:1 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: H72.5 x W102.5 x D33cm Sound: Nicam stereo Connectors: 3 HDMI, 2 Scart 24fps: Shows images at 24 frames per second - just like a real cinema screen Use wall mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Ceriso Floral Print Shorts, at Marks and Spenser
Fashionable and flirty, these modern shorts feature a floral design and centre bow. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

High School Musical 2 DVD, at Marks & Spencers
Rating Universal, suitable for all,

24 Vegetarian Filo Selection, at Marks and Spencer
Contains 24 pieces Serves 6 Ready to cook Suitable for freezing Suitable for vegetarians 490g As featured on page 14 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Feather Bow Headband With Satin Trim, at Marks & Spenser
Trimmed with a striking bow and feathers, this glamorous fascinator band is sure to turn heads!

Burn After Reading Blu-ray DVD, at Mark's & Spencer
Rating Suitable for 15 years and over,

Autograph Pure Silk Christening Gown, at Marks & Spencers
Beautifully embellished with a pleated bodice, this special dress is so pretty. The soft silk will keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Limited Collection Portobello Shoulder Bag, at Marks & Spensers
Fashionable and fabulous, this colourful 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!

Cut Flowers Wax Lantern with Plate, at Marks and Spencers
Wax lantern Cut flowers roomscenter Roomscenter burns for up to 4 hours 15ml roomscenter Comes with candle plate, Manufacturer: Marks & Spencer

Portfolio Pure Silk Lightweight Scarf, at Marks & Spencer
Add a luxurious finishing touch to your look with this elegant pure silk rose print scarf. The perfect accessory to this season's styles

Sweet Chilli & Lime and Coriander & Lime Chicken Platter, at Marks&Spencer
Serves 8 Ready to eat Suitable for freezing 360g As featured on page 17 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Younger Girls' Little Miss Sunshine Sunglasses, at Marks and Spencer
Cute and colourful, these Little Miss Sunshine sunglasses give 100% UV protection for safer style in the sun

2 Easycare Assorted Shirts & Tie Set, at Marks and Spenser
Smart style for less! This pack of 2 shirts and tie is outstanding value

Leather Coated Four Way Reversible Belt, at Marks & Spencers
Add a smart finishing touch with this leather coated four way reversible belt

Autograph Leather Ruched Knee High Boots, at M&S
Round toe Stitch detail Ruched feature Knee high Mid heel Heel height: 60mm Comes in sizes 3-8, including half sizes

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

Angel Cotton Rich Strawberry Print First Bra & Knicker Set, at Mark & Spencers
This pretty strawberry print bra and knicker set is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Chocolate Flared Bud Vase, at Marks & Spenser
Tall neck Broad base Made from glass Chocolate finish effect Handmade, Manufacturer: Marks & Spencer

Signature - NAT C PLUG IN, at Marks & Spenser
Manufacturer: Marks & Spencer

Silver Plated Double Link Pendant Necklace, at Marks & Spencers
Clasp fastening Adjustable length Double link pendant Necklace length 41cm, extendable by 8cm

Leather Ostrich Design Laptop Bag, at Marks & Spencer
Stylish and practical, this laptop bag is made from luxurious hardwearing leather and features useful compartments. A useful and fashionable accessory

Spencer Bear, at Marks and Spenser
Cute and cuddly, this huggable Spencer Bear makes for a great gift

Short Sleeve Striped 24 Polo Shirt, at Marks & Spencers
A stylish smart-casual look, this short sleeve polo shirt in soft cotton is outstanding value. Practical, comfortable and easycare

Fun Holographic Characters Wedding Card, at Mark & Spensers
Cover text: On Your Wedding Day Inside message: Congratulations! Approx size: 230 x 114mm

Hand Finished Photographic Trinket Box Mother's Day Card, at Marks and Spencer
Cover text: Just for you Mum xx Inside message: There are things that always cheer me Whenever I feel blue Theyre little pearls of wisdom And I learnt them all from you Approx size: 178 x 126mm

Collezione Wool Rich Single Pleat Trousers, at Marks and Spenser
Add a smart dimension to your formal wardrobe with these single pleat trousers. Allowing for more hip room, they provide a clean, crisp and well turned out look

Pure Cotton Check Shorts, at Mark & Spencers
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Mirrored 4 Drawer Chest, at Marks and Spencer
H80 x W102 x D45.3cm Mirrored finish with clear knobs 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 This product is not available for international delivery. Find out more SAVE ON SETS Save when you buy this chest as part of a set (compared to normal retail prices). Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Bird Print Flexilite Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencer Standard Car Insurance. With M+S Money 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 Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spencers, 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, you get more, and you pay less.