M&S Finance 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 Finance 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

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

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Mark's & Spencer, 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 Finance, you get more, and you pay less.

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

Les Closiers Châteauneuf-du-Pape 2007 - Case of 6, at Marks and Spencers
Style: Dry, full bodied Grape variety: Grenache, Syrah, Mourvdre, Cinsault, Counoise Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Pure Cotton Long Sleeve Twill Stripe Shirt, at Marks n Spencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail makes it a superior and stylish modern classic

Autograph Integrated Light Tweezers, at Mark & Spencers
Use regularly to help shape and tidy eyebrows Always remove hairs from below or between the eyebrows by pulling in the direction of the hair growth Integrated light Includes case Batteries included

Handcrafted Photographic Roses with Legs Card, at Marks & Spencers
Cover text: none Inside message: Happy Valentine's Day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: Unfolded: 178 x 127mm

Slim Leg Side Zip Trousers, at Marks and Spenser
Slim and stylish, these side zip trousers are cut to fit and flatter for a sleek modern look. Added stretch gives the perfect fit

Extra Large Pillar Candle, at Mark's & Spencer
Plain Pillar shape H22 x Diam 8cm, Manufacturer: Marks & Spencer

V-Neck Short Sleeve Dress with Chain Belt, at Marks and Spencer
Sophisticated and elegant, this dress features a V-neck with button detail and short gathered sleeves. A flattering, stylish look Comes with belt shown in image

M&S Café Torino, at Marks&Spencer
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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

Autograph Pure Cotton Bomber Jacket, at Mark's & Spencer
Beautifully designed and finished, the classic bomber jacket is given a modern update with contemporary styling

3D Felt Leaf Cushion, at Marks n Spencer
Square shape Leaf appliqu design L43 x W43cm, Manufacturer: Marks & Spencer

Taper Dinner Candle Holder, at Mark & Spensers
Tapered design Dimensions: H22cm, Manufacturer: Marks & Spencer

Stainless Steel Melon Baller, at Mark's & Spencer
Hanging loop Stainless steel, Manufacturer: Marks & Spencer

Charlotte Lge 2 Seat Sofabed (occasional) AU09 Newness, at Marks & Spencers
Manufacturer: Marks & Spencer

Sapporo Desk, at Marks & Spenser
H180 x W80 x D50cm Made from solid bamboo and bamboo veneer Finished with a matt lacquer that provides the pieces with extra protection and durability 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 , Manufacturer: Marks & Spencer

Pure Cotton Tonal Neutral Stripe Towel, at Mark & Spencers
Tonal stripe design Hand - 50 x 90cm Bath - 70 x 137cm Sheet - 86 x 178cm, Manufacturer: Marks & Spencer

Ceriso Spot Print Frill Trim Bikini Knickers, at Marks&Spencer
Fab and funky, these modern bikinis featurespot print and a bow detail and lace trim. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Geoff Merrill Three Virgos Cabernet Sauvignon 2004 - Case of 6, at Marks & Spencer
Style: Full bodied Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml:1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

North Coast Pure Cotton Washed Denim Shirt, at Marks & Spencer
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear

Dora The Explorer Follow The Music Piano Sound Book, at Mark & Spensers
Children will love pressing the buttons and singing along to this Dora The Explorer piano sound book which includes 9 beautiful songs

Pure Cotton 3/4 Length Camouflage Belted Shorts, at Marks and Spencer
Relaxed and comfortable, these 3/4 length cotton shorts make a practical, fashionable choice

Younger Girls' Plain Fluffy Dressing Gown, at M+S
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Adored Pure Cotton Stripe & Spot Print Pyjamas, at Marks & Spencers
Stylish and elegant, these flattering 3/4 sleeve pyjamas are part of our feminine Adored collection. They're made from pure cotton for the ultimate in comfort

Butterflies on Spots and Stripes Hand Finished, at Marks&Spencer
Cover Text: Both designs: blank Inside Message: Both designs: blank for your own message Pack Contains: 6 cards, 2 designs Approx. Size: 200 mm x 80 mm

Hermits Hill Botrytis Semillon 2005 - Case of 12, at Marks & Spencer
Style: Sweet Grape variety: Semillon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 37.5cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 4.5 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

Square Rimless Sunglasses, at M+S
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Football Goal & Target Panel, at Marks & Spencers
Suitable for 1 - 22 players (excluding subsititues and referee!) Sectional tubular steel frame, reusable target panel, 12 elasticated toggle ties and durable cord net 6 'U' shaped target panel pegs, 10 'J' shaped grame pegs, 4 bolts with washers and wing nuts Full assembly instructions included - no tools required. Suitable for use with any football up to size 5 For indoor and outdoor use Approx size: H1.6 x W2.9 x D0.9m, Manufacturer: Marks & Spencer

Cotton Rich Button Tab Straight Leg Trousers, at M & S
Simple and stylish, straight leg trousers are a modern classic. This pair sits below the waist and are cut to give a flattering shape that's always in style. Added stretch gives the perfect fit

Ultimate Non Iron Pure Cotton Royal Oxford Shirt, at Marks & Spenser
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Silver Plated Pear Pendant Necklace, at Marks and Spencer
Fine chain Pear design pendant Length: 41cm Extender: 8cm

Pure Cotton Flap Pocket Ripstop Trousers, at Mark & Spencers
Relaxed and comfortable, these loose combat trousers in pure soft cotton feature multiple flap pockets and a straight leg design. Practical easycare style

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 M&S Finance. Offering everything from savings accounts and credit cards, to Buildings 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 Finance. 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 Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance 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."