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 Marks & Spencers 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 Direct:

• 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.

Marks and Spencers 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 and 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 & Spenser insurance products in document format too.

Besides Marks and Spenser Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spencers purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Cotton Rich Drawstring Flare Joggers, at Marks and Spenser
Relaxed and comfy, these casual joggers are made from soft cotton rich fabric and feature a drawsting waist. A practical easycare choice

Blue Harbour Long Sleeve Lambswool Cardigan, at Marks & Spencers
Soft and comfortable, this long sleeve cardigan is made from pure lambswool

Easycare Short Sleeve Fine Pinstripe Shirt, at MarksandSpencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Per Una Embroidered Jersey Top with Camisole, at Marks and Spenser
A gorgeous jersey top with camisole featuring an embroidered neckline and diamonte button detail

Underwired Lace Strap Minimiser Bra, at Marks and Spencers
Reduce the visual size of your bust while maximising your support with the underwiring and added stretch of this attractive minimiser bra. A great option for everyday wear

Linen Blend Circle Embroidered Skirt, at Marks&Spencer
Fashionable and contemporary, this linen blend skirt is designed to fit and flatter. A contemporary look that will take you through the season in style

Woven Flap Purse, at M & S
Fashionable and practical, this purse is a useful accessory with bags of style!

Older Boys' Pure Cotton Bart Simpson Check Pyjamas, at Marks&Spencer
A must for fans of The Simpsons, these pyjamas feature the popular character

Pure Cotton Long Sleeve Hooded Ireland Top, at Marks & Spensers
Relaxed and comfortable, this fashionable long sleeve hooded top is made from soft cotton and features an embroidered Ireland motif. A practical easycare style

Pure Cotton Floral Print Pleated Skirt, at Marks & Spencer
Pretty and feminine, this knee length pleated skirt is a look you'll love. Stylish, practical and fashionable

Dinosaur Sticker Book, at Marks & Spencer
Dinosaur sticker book is packed with facts about the first fish, meat-eating monsters, woolly mammoths, early humans and much, much more. With sticker activities throughout and glow-in-the-dark dinosaur shapes to decorate your room, this book is the perfect way to learn about the creatures who lived on earth millions of years ago

Blue Harbour Heritage Pure Cotton Long Sleeve Stripe Shirt, at Marks & Spencers
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

Floral Short Sleeve Frill Blouse, at Mark & Spencers
A fabulous round open neck blouse featuring a ruffle front and floral detail. The tie belt make it extra stylish

Autograph Square Porcelain Tumbler, at Marks and Spencer
H11 xW7 x D7cm Square tumbler Stripe design at the base, Manufacturer: Marks & Spencer

Pure Cotton Waffle Hooded Cardigan, at M&S
Knitted in pure cotton, this hooded waffle cardigan will keep him warm and comfy. It looks cuddly too!

Single Suede Sprung-Edge Divan with 1 Small & 1 Large Drawer, at Marks and Spencer
Single (3ft): W90 x H41 x L190cm Small drawer: H14 x W40 x D52cm Large drawer: H14 x W78 x D52cm Sprung-edge divan - Can be used with any mattress Small drawers at the head end are designed to open without moving your bedside table Available with drawers opening to the left or right of the divan Feet are castors Free eco-friendly home delivery. Our crews will unpack, assemble and position the item All mattresses and divans are manufactured in the UK All mattresses and divans are anti-allergy protected This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Dora The Explorer Little Library Books, at Marks and Spencer
Dora has her very own little pocket library! Discover words, numbers and opposites with Dora and friends in this boxed set which includes 5 small format board books. Perfect for little explorers. Titles are: Dora's Opposites, Count with Dora, Dora Goes for a Ride, Dora's Book of Words and Dora at the Beach

3 Pure Cotton Tonal Stripe Tea Towels, at M&S
Pack of 3 Tonal stripe design Straight edge, Manufacturer: Marks & Spencer

Gothic 5 Arm Chandelier, at Marks & Spencers
Candle effect shades 5 arm Hand finished H50 x D54cm Bulbs: 5 x 60W SES This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Cotton Stripe Satin Shirt, at M+S
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Ingredients Honey & Milk Body Butter 200ml, at M & S
Honey and milk body moisturising cream 200ml

Waxed Leather Cream, at Marks and Spencers
Waxed leather cream nourishes and revives oiled and waxy leather

Large Roasting Tray, at Marks & Spenser
Ideal for roasting meat or vegetables Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles Rectangular shaped L38.5 x W30.5cm, Manufacturer: Marks & Spencer

2 Sea Creature Swim Shorts, at Marks and Spencer
Fun and fashionable, these lined shorts fit comfortably and securely. Sea creature designs add a fab finishing touch

Autograph Pure Cotton Textured Stripe Trousers, at Marks and Spencer
Fashionable and contemporary, these textured stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Gold Plated Barrel Snake Necklace, at Marks & Spencer
3 strand design Barrel feature Adjustable length Clasp fastening Necklace length: 38cm

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

Large Bow Gift Bag, at Marks & Spencers
1 gift bag with tag Large satin ribbon bow feature H270 x W360 x D100mm

Footglove™ Leather Wide Fit Bow Wedge Shoes, at Marks and Spencer
Round toe Slip-on Bow and stitch detail Mid wedge heel Heel height: 56mm Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Per Una Ditsy Floral Print Dress, at Marks and Spencer
A fresh sleeveless dress featuring a floral print, finished with a frill neckline

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.