Marks & Spencers 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 Marks & Spencers 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 Mark's & 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 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

TomTom XL IQ Routes™ Edition Europe Satellite Navigation System, at Marks & Spenser
Maps: Full door to door maps of the Western and Central Europe (42 countries) Display: XL 4.3" widescreen Safety Camera Database: Comes with fixed safety camera alerts pre-installed, to help you to drive more safely and responsibly Easyport™ Mount: EasyPort™ mount folds neatly onto the back of your device, making the whole navigation package fit into your pocket, bag or glove compartment Latest Map Guarantee: The latest map guarantee keeps you right up to date. If a new version of any map on this device is released within 30 days of your purchase, you can download a new one via TomTom HOME for free TomTom Mapshare™ Technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Updates from TomTom HOME: Get new software and download new maps via TomTom Home site, includes free and subscription services Sound: Loud and clear voice instructions Points of Interest: Pre-installed map has Points of Interest from petrol stations to hotels. Can be updated via TomTom HOME Traffic-Ready: Compatible with TMC Traffic Receivers, so your route can be altered to avoid the traffic ahead Plug & Go: Just plug in and tap the touch screen to begin using the intuitive user friendly interface Advanced lane guidance: Gives you extra clarity when navigating difficult junctions IQ Routes™ technology: Get a faster route to your destination, up to 35% of the time QuickGPSfix™: Get a faster route to your destination, up to 35% of the time Speeding alert: Alerts you that youre speeding, even if you''re not in navigation mode Help Me! menu: You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area Accessories: Comes with USB car charger and USB cable TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

7 Pairs of Freshfeet Square Design Socks, at Marks & Spencers
The innovative Aegis Active Freshness system will keep these socks smelling fresh and odour free and its permanently built into the sock to perform wash after wash. They're cotton rich for soft natural comfort and have a reinforced heel and toe for extra durability

Hepworth Bookcase, at MarksandSpencer
H167 x W80 x D44cm 2 fixed toughened-glass shelves Cupboard with 1 adjustable shelf Brass detailing Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Door frames made with solid European Birch. Door panels are veneered Solid European Birch legs Side panels, door panels and back panels are veneered. Top panel is veneered with solid birch edging for strength 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 Pure Cotton Neutral Stripe Hand Towels, at Marks and Spencer
Set of 3 Stripe design 50 x 70cm approx., Manufacturer: Marks & Spencer

Hideaways - H/AWAY, at Mark's & Spencer
Manufacturer: Marks & Spencer

Big & Tall Linen Rich Single Breasted 2 Button Stripe Jacket, at Marks and Spenser
Specially proportioned for big and tall men, this linen rich jacket is designed to give a flattering, comfortable fit

Photo Frame with Mount 13 x 18cm (5 x 7"), at Marks & Spenser
Rectangular shape Removeable mount card Wood stand Frame dimensions: H29 x W24cm Aperture: 5 x 7in, Manufacturer: Marks & Spencer

Bamboo Collection Salad Servers, at Marks and Spencer
2 part set Includes salad fork and spoon, Manufacturer: Marks & Spencer

Perfect Autograph Double Tramline Slip-On Shoes, at Marks & Spencers
Square toe Stitch detail Slip-on Block heel

Short Sleeve Embroidered Jumper & Floral Print Top Set, at Marks and Spencer
Cute and casual, these short sleeve cardigan and floral print top look fabulously fashionable worn together or separately

Cotton Rich Stripe Scarf, at Marks & Spenser
Keep out the cold in style with this warm, soft scarf

Nintendo DS™i Console Black, at Marks & Spensers
Packed with features and thinner than ever: 12% thinner than the Nintendo DS Lite with a bigger, brighter 3.25" screen Two 0.3 megapixel cameras, Nintendo DSi enables you to manipulate the images you capture with 11 photo lenses and face recognition technology Nintendo DSi's enhanced sound system means your music collection sounds great with or without headphones Play with sound:Play music on your DS, experiment, record, create and play with sound using the DSi Sound application, while the ability to record voice samples through the built-in microphone then edit them to your heart's content adds another good reason to keep your Nintendo DSi by your side Take your music on the move with Nintendo DSi. By storing aac formatted music on SD cards Motion-activated gaming on the go: Interact with your games and console on the move like never before, with motion-detecting cameras to help you control future games on the console Access a world of new possibilities with Nintendo DSiWare. Available through the Nintendo DSi Shop, Nintendo DSiWare is downloadable content that includes everything from new themes to customise your Nintendo DSi with to unique games. Basic applications, such as the Nintendo DSi Browser can be downloaded for free, while other content can be purchased from the Nintendo DSi Shop in exchange for Nintendo DSi Points Play, share and enhance your DSi experience WiFi online: Download new games and applications from the DSi Shop from cartoon making to a free internet browser and challenge yourself online with DSi's improved connectivity The system can also play most Nintendo DS games, and will have access to a library of more than 850 titles Each DSi comes complete with: one Nintendo DSi System, two Nintendo DSi styluses, one Nintendo DSi AC power adapter, an easy start guide, manuals (basic and controls) and a support booklet Dimensions: W137 x L74.9 x D18.9mm Weight: Approx. 214g (with stylus) Battery specs: Rechargeable lithium ion battery pack, Minimum brightness setting: 9-14 Hrs, Low brightness setting: 8-12 Hrs, High brightness setting: 4-6 Hrs, Maximum brightness setting: 3-4 Hrs (times may vary depending on software) Charging time: Approx. 2 hours and 30 minutes 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

Autograph Weekend Knitted Cowl Neck Dress with Merino Wool, at MarksandSpencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Firm Control Smooth Magic Waist & Thigh Cincher, at Marks & Spencer
These thigh slimmers work like magic with with targeted control areas to shape you where you need it most. They gently flatten tummies, smooth hips and lift bottoms for a flattering, shapely look. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

3 Pure Cotton Short Sleeve Shirts, at Marks and Spencer
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Three Bean Salad, at Mark & Spencers
Serves 8 Ready to eat Suitable for vegetarians 800g As featured on page 29 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

Perfect Pure Cotton 3/4 Roll Up Sleeve Longline Shirt, at Marks & Spencers
Simple sophistication. This longer line shirt adds crisp, business-like chic to any outfit

Reversible Leather Belt, at Marks and Spencer
Add a smart finishing touch with this leather buckle fastening belt

Fox Hollow Verdelho 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Verdelho and Semillon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Leather Low Cage Sandals, at Marks and Spencer
Open toe Contrast layer strap detail Rip tape fastening Low heel Heel height: 30mm Comes in sizes 3-8, including half sizes

The Floral Collection Iris Anti-Perspirant Roll-On, at Marks and Spencers
50ml Iris fragrance Roll-on Alcohol free

Leather & Suede Protector, at Marks and Spencer
Rain and stain resistant, this leather and suede protector is ideal for use on footwear, clothing and accessories

Autograph Blusher Brush, at Marks & Spencers
Handmade Enables you to achieve a controlled light and even coverage

Prints - BRIGH S/SUCKER BS, at Marks & Spencer
Manufacturer: Marks & Spencer

Sprung-Edge Non-Storage Divan & Autograph F500 Mattress, at Marks and Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L90cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): w180 x l200cm Mattress depth: 28.5cm Divan Height: 41cm Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Mattress Spring Count: 1225 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Rosina 2-Seater Sofa, at Marks and Spenser
H82 x W174 x D97cm Seat H45cm (all dimensions are approximate) 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 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 medium finish All of our fabrics are treated with Stain-Defence& trade; - 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

Autograph Rose and Freesia Gift Bag, at Mark's & Spencer
This fabulous array of lavendercoloured Coolwater roses and scented freesias is wrapped in frosted Autograph™ cellophane and presented in a chic gift bag Available for delivery from 1st April to 30th September 2009

Boycat Merlot 2008 - Case of 6, at Marks & Spencer
Style: Medium bodied Grape variety: Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 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

100 Cocktail Sausages, at Marks and Spencer
Contains 100 pieces Serves 20 Ready to eat Suitable for freezing 2 x 500g As featured on page 16 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

Oudinot Champagnes - Case of 6, at Marks & Spencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

When you're shopping at Marks and 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Car Insurance, there's a lot more going on at Marks & Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers 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."