Marks & Spencer 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 & Spencer 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 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks&Spencer Standard Car Insurance. With Marks & Spencer 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 Marks & Spencer Money, 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 Marks & Spencer Money, you get more, and you pay less.

Girls' Limited Button Lace Leggings, at Marks and Spencers
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Autograph Leather Gunmetal Belt, at Marks & Spencers
Add a smart finishing touch with this leather gunmetal belt

2 Pure Organic Cotton Shirts, at Marks & Spencers
The natural choice for school, this shirt is made from 100% organic cotton, grown using traditional farming methods without chemical fertilisers or pesticides

Per Una Modal Padded Plunge Bra, at Marks & Spencer
Fresh and feminine, this stylish bra features lace detail. It's underwired for extra support and the padded plunge style gives an enhanced shape. Pretty everyday fashion

Autograph Pure Cotton Long Sleeve Stripe Top, at Marks & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Blue Harbour Stormwear™ + Fairtrade Cotton Chinos, at Marks n Spencer
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

3/4 Sleeve Spot Design Mesh Tunic, at Marks & Spenser
Stylish and versatile, this 3/4 sleeve tunic has a fabulous spot design and features a fashionable mesh sleeve. An irresistible style that's just right for this season

Artificial Cherry Blossom in Ceramic Vase, at Mark & Spensers
Artificial cherry blossom Ceramic oval pot Height: 80cm, Manufacturer: Marks & Spencer

Sonoma Dark 2-Door Glazed Top Unit, at Marks and Spencers
H110 x W123 x D33cm Internal lights with on/off switch 2 adjustable glass shelves Glass doors and shelves are made from safety-tested toughened glass This top unit is designed to sit on the Sonoma Dark 2-Drawer Sideboard. Click hereto view the Sideboard Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made with White Oak veneer Top panels made from White Oak veneer with a solid Oak 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 SAVE ON SETS Save at least 25% when you buy this top unit as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

Cross Dye Cushion, at Marks & Spencer
Square shape Stitch detail Cross dye design L45cm x W45cm, Manufacturer: Marks & Spencer

Lemon Soufflé, at Marks & Spencer
Serves 6-8 Ready to eat Comes in a table-presentable ceramic dish Not suitable for nut allergy sufferers 700g total weight As featured on page 51 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Walkmates Tramline Sporty Trainers, at Marks & Spensers
Click here for more information on Walkmates shoes Tramline detail Riptape fastening Flat sole

2 Machine Washable Apollo Ties, at Marks & Spenser
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Short Sleeve Open Front Cardigan, at Marks and Spencers
Elegant and stylish, this short sleeve cardigan is a modern style essential

Heritage Collection - Mini Table Lamp, at Marks and Spencer
Conical shade Bulbous stem with cut glass feature Round base 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

Double Handle Quilted Shopping Bag, at Marks&Spencer
Fashionable and environmentally conscious, this quilted shopping bag makes a great alternative to plastic carriers

3 Pairs of Spot & Stripe Design Socks, at Marks & Spensers
Get a fabulous, fashionable look with these spot and stripe design socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

2010 Slim Diary, at Marks&Spencer
Dimensions: 16.5 x 8cm

Autograph Pure Silk Spot Tie, at Marks & Spensers
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

Classic Crudité Selection, at Marks and Spencer
Serves 8 4 varieties of vegetables and dip Ready to eat Suitable for vegetarians 670g As featured on page of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Gold Plated Regal Cushion Ring, at Marks & Spencer
Small gemstone outer layer Larger gemstone centre

Kitchen 2 Door Base Unit, at M+S
H87.5 x W100 x D52cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Magic Loc Collection Toilet Roll Holder, at Marks and Spencer
Free standing H15 x W11 x D4cm, Manufacturer: Marks & Spencer

Pure Cotton Floral Embroidered Jeans, at Marks and Spencer
Fashionable and practical, these cotton jeans are hardwearing and comfy. The pretty floral embroidery and tie waist gives it a cute look

Leather Formal Square Buckle Belt, at Marks and Spencers
Add a smart finishing touch with this leather square buckle belt

Autograph Horseshoe Buckle Belt, at Marks and Spencers
Combining smart practicality with elegant style results in a pure leather belt that's simply flawless in design

Younger Girls' Pure Cotton Bunny Pyjamas, at Marks & Spenser
Cute and comfy, this pack of 2 pure cotton pyjamas features a bunny motif and floral print

Autograph Leaf Jacquard Runner, at Mark's & Spencer
Textured stripe design Embroidered leaf detail Straight edges, Manufacturer: Marks & Spencer

2 Piece Pure Cotton Long Sleeve Top & Bottoms Outfit, at Marks and Spencer
Cute and practical, this 2 piece outfit is outstanding value. The soft cotton fabric will keep him feeling comfy

Younger Boys' Cars Team McQueen Dressing Gown, at Marks and Spenser
A must for fans of Disney's Cars, this fluffy dressing gown features fun motifs of the popular character Lightning McQueen

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 M & S are so useful. Marks & Spencer 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, 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 Marks & Spencer Money 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 Marks & Spencer Money Home Insurance than you will anywhere else, and you may even pay less with M&S.