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 M+S 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:

• 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.

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 Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spensers 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, Home Insurance policies. Usually, UK Home 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 Financial Services Home 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Mark & Spensers 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 Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

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

Halterneck Swimsuit, at Marks n Spencer
Feminine and glamorous, this swimsuit is designed to fit and flatter. The halterneck makes it even more stylish

Retractable Blusher Brush, at M&S
Retractable brush Diamant detail

Multicolour Boxes Rug, at M & S
Multi-coloured box pattern Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Per Una Detachable Faux Fur Hooded Jacket, at Marks and Spencer
A fashionable long jacket featuring detachable faux fur hood. The stitch detail makes it extra stylish.

Autograph Cotton Rich Long Sleeve Butterfly Top, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Autograph Leather Cross Body Buckle Bag, at Marks & Spencer
Luxurious and beautiful, this cross body handbag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Gold Plated Barrel Snake Drop Earrings, at Marks and Spencer
3 strand design Barrel feature Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Sony PSP™ LEGO® Batman®: The Videogame, at Marks & Spenser
Fight for justice as Batman and Robin or create chaos as The Joker, Catwoman and other villains, as you save or wreak havoc in Gotham City Rocket through sewers and bound across rooftops as you take the fight to the criminals across classic locations in Gotham City Fight on land, sea and in the air using a number of powerful Batman, Robin and villain-controlled vehicles, including the rocket-powered Batmobile, sleek Batboat and stealthy Batwing Enhance the abilities of the Dynamic Duo by unlocking Batman's Demolition, Sonic and Glide suits and Robin's Gravity, Magnetic and Dive suits to help fight Gotham's villains Play through the game in Story Mode from both the hero and villain sides Replay any level in Freeplay Mode with any characters you've unlocked. Access previously hidden areas to find additional rewards and bonus content Collect LEGO studs and special LEGO bricks throughout the game to unlock tons of extra content including special power-ups and bonus levels You must be 7 years of age or over to purchase this product 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 *Must be returned with the tamper seal intact for full refund, Platforms: Sony PSP, ESRB Rating: Kids to Adults

Long Sleeve Rib Knit Jumper, at Marks and Spencers
Modern and stylish, this rib knit jumper features a front button detail. A versatile, easywear style.

Autograph High Heel Stud Gladiator Sandals, at Mark's & Spencer
Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day Open toe Stud strap detail Buckle fastening High heel Heel height: 9cm Comes in sizes 3-8, including half sizes

Autograph Pure Cotton Shirt & Tie, at MarksandSpencer
Modern and fashionable, this pure cotton checked shirt comes with a matching tie. Ideal for sixth form wear

Limited Collection Cotton Rich Vest & Shorts Set, at Marks and Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Freshfeet Check Design Slippers, at Marks and Spencers
Round toe Check design Tartan style lining pattern Chunky sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Padded Pinstripe Underwired Multiway Bra, at Mark's & Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

UEFA EURO 08 PC Game, at Marks and Spenser
UEFA EURO 2008 features stunning visual representations of the world's best players, playing in a more accessible, faster-paced and responsive version of the market-leading EA SPORTS football engine, and all of the teams and official stadiums that will be part of UEFA EURO 2008. Take on the challenge of leading one of over 50 European national teams to glory as UEFA EURO 2008 recreates all of the drama and excitement of the official tournament in Austria and Switzerland. Play as your favourite country from qualification right through to a virtual reproduction of the championship tournament

Autograph Babylon Collection Table Lamp, at Marks & Spenser
Faux silk shade (included) Chrome base H61.5 x Diam 30cm Bulb: 100W GLS or 21W CFL This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bailey Table, at Marks and Spencer
H75 X W90 X L180 Made from solid wood and features natural characteristics such as knots and variations in grain pattern The timber will age over time and fade to a silver grey colour unless treated regularly with oil This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Boy Washing Line with Teddy New Baby Card, at Marks & Spencers
Cover text: Baby boy Congratulations Inside message: With love Approx size: Unfolded: 178 x 126mm

2 Assorted Underwired T-Shirt Bras, at Marks and Spenser
Smooth and versatile, this pack of 2 t-shirt bras is great value. They're designed to give gentle support and a flattering fit

Modern Squares Bathmats, at Marks and Spencer
Square pattern Bathmat: L80 x W50cm Pedestal: L55 x W50cm Bathmat and pedestal mat must be purchased separately, Manufacturer: Marks & Spencer

5 Pure Cotton Slips, at Marks & Spensers
These essential slips offer all the comfort of soft cotton at a great value price

PlayStation®3 Need for Speed: Undercover, at Marks and Spencer
Go Deep Undercover: Race into an action-packed story of pursuit and betrayal. Take on jobs and compete in races to prove yourself as you infiltrate and take down an international crime syndicate Highway Battle: Fight off the cops and others as you take down your prey in high-speed, high stake multi-car chases. New and vastly improved A.I. mechanics mean more aggressive and intelligent cops focused on taking you out fast and by any means necessary Own the Open World: Tear across the massive highway system and discover the open world of the Gulf Coast Tri-Cities area, with three unique cities connected by an extensive highway system Heroic Driving Engine: An all-new game engine lets you pull off amazing moves for the ultimate driving edge. 2007 Sony Computer Entertainment Europe 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 You must be 12 years of age or over to purchase this product This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Bamboo Duck Board, at Marks & Spenser
Slated design Approx size: H3 x W36.3 x L56.5cm, Manufacturer: Marks & Spencer

Photographic Roses Wife Anniversary Card, at Marks and Spencers
Cover text: To my gorgeous Wife Inside message: All I'll ever want is just to be with you, Happy anniversary Approx size: Unfolded: 176 x 126mm

Stripe Print Tankini Top, at Marks and Spencer
Feminine and fashionable, this stylish tankini top features a striking stripe print. A sleek, shapely look

High School Musical Awesome Activities Book, at Marks and Spencers
Activity book which comes with a sheet of stickers for the reader to brighten up the pages with. There's also a fabulous mobile phone sock cover mounted to the front of the book so the reader's mobile phone can be covered in a groovy East High design

Nail Care Miracle Buffers, at M & S
Pack of 2 Buff and smooth your nails using the coloured side of the buffer Use the white side of the buffer to achieve the high gloss finish Two-toned colours

Limited Collection Contrast Heel Peep Toe Shoes, at Marks and Spenser
Peep toe Slip on Contrast high heel Heel height: 93mm Comes in sizes 3-8, including half sizes

Sheer Suspender Belt, at Marks and Spencer
Stunningly stylish, these glamorous suspenders look and feel luxurious

Maternity Spot Print Full Length Leggings, at Marks & Spencers
Fashionable and modern, these spot print leggings are designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. An essential fashion favourite

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