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 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

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

Mark's & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Car Insurance, but Marks & Spenser 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 Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Home 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.

Airbrush Metallic Ladies Watch, at M+S
Round face Analogue Airbrush metallic strap Buckle fastening

5 Cotton Rich Bikini Knickers, at Marks & Spenser
This pack contains 5 black, white and vanilla colour knickers. To see all 5 pairs, go to "click for zoom and other views" under the photo

Mamma Mia - The Movie Soundtrack CD, at Marks and Spencers
Audio CD, Marks & Spencer

Pile of Presents Sister Card, at M&S
Cover Text: Gorgeous gifts for a glamorous sister Inside: Blank for your own message Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Le Clos du Pioch - Montpeyroux 2006 - Case of 6, at Marks and Spencer
Style: Dry, medium bodied Grape variety: Syrah, Grenache, Carignan Country of origin: France Closure: Natural cork 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

Younger Girls' Bow Detail Boots, at M&S
Round toe Pull on Bow detail Flat sole Lined Comes in sizes 4-13

Side Zip Slim Leg Trousers, at Marks and Spencer
Greater choice of leg lengths now available Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. Added stretch gives the perfect fit and a side zip fastening provides a fashionable update

Adored Floral Embroidered Non Padded Bra, at Marks and Spencers
Elegant and stylish, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. It's underwired and shaped for an uplifted natural look. Feminine everyday lingerie

Dora the Explorer Watch, at Mark & Spensers
Buckle fastening Round face Butterfly design on straps Analogue Dora the explorer design 2007 Viacom International Inc

Limited Collection Floral Brazilian Knickers, at Marks & Spencer
Fabulous and fun, these comfortable Brazilians are part of our Limited Collection lingerie. They're made from a soft stretchy fabric, and the scooped front and back give a shapely modern fit. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Happy Birthday Dog Card, at Marks & Spensers
Cover text: Happy Birthday to you Inside message: Have a fun day Approx size: 174 x 126mm

Neutrals Giraffe Book of 1st, at M&S
An exciting introduction to the world of playtime, this activity toy will have them entertained for hours of fun

Small Chrome Case Clock, at Marks n Spencer
Simple design Quartz accuracy High shine chrome finish Metal case, glass lens Contemporary dial A quartz clock keeps time by the vibrations of a quartz crystal. It is judged to be the most accurate timepiece now on the market, losing or gaining only a minute a year, compared with one or two minutes a week for most other watches Case H20 x W20 x D4cm, Manufacturer: Marks & Spencer

Autograph Pure Silk Embroidered Tie, at Mark's & Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Marina 300 Waterproof Two-Way Radios, at Mark & Spencers
Waterproof up to 1 meter Dust proof and shock resistant Range up to 2 miles (3km) depending on environment and terrain Up to 8 channel combinations Backlit LCD Adjustable volume control Rechargeable Low battery warning Belt clip This product is not available for international delivery. Find out more

5 No VPL High Leg Briefs, at Marks & Spencers
For the ultimate no-show look, these stretchy modern briefs are perfectly smooth. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

Pure Cotton Short Sleeve Hooded Cardigan, at Marks & Spencers
Pretty and feminine, this short sleeve cardigan is made from pure natural cotton and features front pockets for a fashionable look

Roberts RD-21 FM RDS/DAB Portable Digital Radio in Black, at Mark's & Spencer
FM/DAB wavebands FM RDS station name display and easy read 16 x 2 character LCD display Menu display/selection of all major functions Search/manual tuning Rotary tuning, volume, bass and treble controls Line output, headphones and AC mains socket Uses 6 x LR20 (D size) batteries (Not included) with up to 150 hours battery life W300 x H180 x D95mm Weight 2kg 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

100 Tea Lights, at Mark's & Spencer
Contains: 50 t-lights Up to 5 hours burning time for each, Manufacturer: Marks & Spencer

Sony Bravia 37'' KDL-37W5500 HD Ready LCD TV, at Marks n 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: LCD Sony Bravia Engine 3 with a 37 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 50000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W91.7 x H64.9 x D30.3cm, Without Table Stand: W91.7 x H60.2 x D9.1cm Weight: Weight inc. stand: 18.5kg, weight without stand: 15.5kg Dolby Virtual Surround and BBE Digital: 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) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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

Facet Handle Umbrella, at Marks & Spenser
Smart and easy to carry, the practical design of this handy umbrella is the perfect solution for dealing with sudden downpours

Pure Duck Down Pillow, at Marks and Spencer
Pure duck down 230 thread count and 100% cotton downproof cover Light and natural filling W48cm x L76cm, Manufacturer: Marks & Spencer

Classic Collection Floral Spot Print Skirt, at Marks and Spencer
Elegant and feminine, this printed pull-on skirt is cut to drape beautifully and flatter your figure. The lovely colours in the print coordinate perfectly with the plain tops in the Classic range, making it easy to put stylish outfits together

Wool Blend Double Breasted Coat, at Marks and Spencer
Fashionable and practical, this double breasted coat is fully lined and features front flap pockets. A comfortable, easycare style

5 °Climate Control Cotton Rich Briefs, at Marks and Spencers
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Adored Short Sleeve Floral Pyjamas, at Marks and Spencers
Stylish and elegant, these flattering pyjamas are part of our feminine Adored collection. They're made from a soft cotton blend for the ultimate in comfort

Cashmilon™ Plain Knitted Gloves, at Marks & Spencers
Always handy, these warm cosy gloves are made from supersoft cashmilon™. Perfect with the matching scarf and hat

Ontario Medium Camoflage Holdall, at Marks & Spensers
There'll be no things that go bump in the night with this easy to transport holdall. Supported by sturdy wheels and a stand-alone feature, it is the ideal option for short trips or flying abroad

Blue Harbour Stormwear™ + Fairtrade Cotton Straight Leg Chinos, at Marks & Spencers
Look below to see a video clip about Fairtrade Fairtrade certified cotton is a new initiative that we're the first major high street retailer to support. Like all Fairtrade products, it helps local farmers to invest in developing their own communities

Signature Green Fig Room Spray, at Mark's & Spencer
15ml Green fig fragrance Clear glass with attractive labelled design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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