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 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:

• 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

When you're shopping at Marks & 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 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 and 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."

Luxury Glass Orchid, at M&S
Add a touch of luxury to your home with this twin-stemmed phalaenopsis orchid. The glass pot helps to create an elegant, contemporary look Available for delivery from 1st April to 30th September 2009

Per Una 3 Button Cardigan, at Marks and Spenser
A casual 3/4 sleeve cardigan featuring neckline embroidery

Panasonic Lumix DMC-TZ6 Digital Camera, at Marks & Spencer
Pixels: 10.1 Megapixels Zoom: 12x optical zoom, 4x digital zoom Screen: 2.7" TFT LCD Display ISO: Auto / 80 / 100 / 200 / 400 / 800 / 1600 High Sensitivity (ISO 1600-6400) Dimensions: W10.3 x H5.9 x D3.2cm Weight: Approx. 229g with battery and SD memory card, Approx. 206g (without) Face Detection: AF/AE to focus on faces in the frame and remove unwanted red-eye Optical Image Stabilizer: MEGA O.I.S. to compensate hand-shake Intelligent ISO Control: To detect subject movement Intelligent Scene Selector: To select the optimal scene mode automatically AF Tracking: To continually track a moving subject and keep it in focus Intelligent Exposure: to correct the brightness level

Classic Collection Pure Cotton Stripe Insert Top, at Marks and Spencer
Modern and stylish, this versatile top is made from soft easycare fabric and features a stripe design. A fashionable style with a comfortable, flattering fit

Autograph Pure Cashmere Hooded Stripe Cardigan, at Marks and Spencer
Soft and snuggly, this practical cashmere hooded cardigan will keep him feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Pure Cotton Short Sleeve Check Bib Shirt, at Marks and Spencer
This fashionable short sleeve shirt is made from super soft fabric that looks and feels great. Check bib details gives it a cool contemporary edge

Monsters Inc DVD, at Marks & Spencers
Rating Universal, suitable for all,

Gold Plated Catseye Tear Drop Earrings, at Marks and Spencers
Drop style Hook fastening Catseye tear drop design For hygiene reasons, refunds will only be given in accordance with your legal rights

Per Una Define & Separate Mascara, at Mark's & Spencer
This special mascara is designed to accentuate each and every lash Special flexible brush that separates your lashes without clumping Innovative brush evenly coats all your lashes including those that are hard to reach Special formula is enriched with pantenol pro VIT B5 to help condition and protect your lashes Superb lash definition for beautiful lashes framing your eyes making them stand out Suitable for contact lens wearers Smudgeproof Hypoallergenic 6ml

Mini Limited Pure Cotton Pretty Girl Jersey Top, at Marks and Spencers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Faux Pearl Long Necklace, at Marks & Spencers
Faux pearl Long length Necklace length 122cm

The Mini Sudoku Puzzle Book, at Marks and Spencer
You don't need a knowledge of mathematics to solve a Sudoku puzzle, all you require is a logical mind and a pencil no wonder they're so addictive! From Warm-up Sudoku and Challenging levels to Expert and Twin Sudoku, this selection of puzzles will test your solving skills

Stripe Hipster Skirt Tankini Bottoms, at Marks and Spenser
Elegant and feminine, this flattering hipster skirt is designed in the latest shape. The ultimate in poolside glamour

Autograph 4 Piece Suit Outfit, at Marks n Spencer
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

Firm Control Smooth Magic Body, at Marks and Spencer
This clever body works like magic with targeted control areas to shape you where you need it most. It's comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Girlie Dress Up Jotter Box, at M & S
Contains: 1 jotter box and 1 pad of notepaper H11.3 x W11.2 x D9cm

Two Tone Sunglasses, at Marks & Spenser
A hot look for summer, these fabulous sunglasses add instant style and glamour

Perfect Blue Harbour Haritage Pure Cotton Stripe Shirt, at Marks&Spencer
These heritage inspired shirts are a wardrobe staple. The contrasting trims and button-down collar create a stylish, authentic look that's great for any occasion

Marina 300 Waterproof Two-Way Radios, at Marks n Spencer
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

Pure Cotton Long Sleeve Stripe Shirt, at Mark's & Spencer
Smart and stylish, this bold stripe shirt is made from pure cotton

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

Large Double Cover Umbrella, at Marks and Spencers
Stylish and practical, this large traditional umbrella gives good coverage to protect you from the elements

Crook Handle Umbrella, at Marks & Spencer
Lightweight and easy to carry, this slimline umbrella is perfect for keeping at hand for effective protection from sudden downpours

Woven Pure Silk Diagonal Stripe Tie, at Marks & Spencer
Add a luxurious finishing touch with this smart multi stripe tie in pure silk

5 Cotton Rich Bright Spot Print Shorts, at Mark's & Spencer
These spot print cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Tiga Small Glazed Top Unit, at Marks & Spencers
H110 x W116 x D33cm 2 Adjustable internal shelves 2 toughened-glass doors Made from sheesam wood Finished with a protective matt lacquer for added durability 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

Cross Dye Quilted Bedcover, at M+S
Stitch detail Contains padded quilting Available in 2 sizes 150 x 200cm and 260 x 265cm, Manufacturer: Marks & Spencer

Blue Harbour Heritage Pure Cotton Brushed Check Shirt, at Marks and Spencers
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Corale Montepulciano d'Abruzzo 2007 - Case of 12, at Marks and Spenser
Style: Dry, medium to full bodied Grape variety: Montepulciano Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Autograph Merino Wool Blend Tights, at Mark & Spencers
The ultimate in luxury, these merino wool tights are part of our exclusive Autograph collection. Designer style and quality at high street prices

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.