M+S 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 M+S 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 MarksandSpencer 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, Sainsburys, or Tesco's:

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

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

Whether you're looking for savings products or M+S Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M+S Money 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 Money insurance products (Buildings & Contents 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 Mark's & Spencer insurance products in document format too.

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 Marks and Spencer are so useful. M+S Money financial products are, of course, designed to make Marks & 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 M+S Money Buildings & Contents 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 M+S Money Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Tazetta Drop Earrings, at Marks and Spencer
Hook fastening Drop style Mixed bead design Diamant detail

Post Surgery Rio Floral Print Bra with Silk, at Marks & Spencer
Glamorous and luxurious, this floral bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape

Short Sleeve Faux Snake Print Belted Shirt, at Marks and Spenser
Chic and modern, this short sleeve shirt features a stunning faux snake skin design. A vibrant new look, perfect for this season

Limited Edition Midas Touch Bangles, at Marks and Spencer
7 bangles Assorted design Slide on

Footglove™ Leather Widefit Shoes, at Marks and Spencer
Square toe Contrast stitch detail Slip-on Heel height 78mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Autograph 2 Piece Pure Cotton Hooded Outfit, at Marks & Spensers
Fun and practical, this cute 2 piece outfit features contrast trim. It's made from soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Abbey Storage Footstool, at Marks & Spencers
H51 x W76 x D76cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Top cushion lifts to reveal storage space inside the stool. Click here to view the storage space Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Generic Star Charm 50th Birthday Card, at Marks and Spencer
Cover text: 50 today Inside message: Have a fantastic birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125 mm

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

Pure Cotton Check Shorts, at M&S
Soft and comfortable, these cotton shorts can be worn alone or with a number of our pyjama tops and t-shirts to create your own style

Domaine Ventenac Chenin Colombard 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Chenin Blanc & Colombard Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 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

50/50 Bed Linen - Bed Set with Reversible Pillowcase & Duvet Cover, at Mark's & Spencer
Single set: Duvet cover, 1 fitted sheet, 1 pillowcase Double set: Duvet cover, 1 fitted sheet, 2 pillowcases King Size (5ft) set: Duvet cover, 1 fitted sheet, 2 pillowcases Single set: Duvet cover - L198 x W137cm, fitted sheet - L190 x W91cm Double set: Duvet cover - L198 x W198cm, fitted sheet - L190 x W137cm King Size (5ft) set: Duvet cover - L218 x W228cm, fitted sheet - L200 x W152cm Fitted sheet depth: 25cm Pillowcase: L76 x W48cm Plain dye bed linen Easy to iron Plain fabric (no design) Reversible pillowcase and duvet cover Care instructions: Machine washable, Tumble dry Composition: 50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Tummy and Waist Control Vest, at M&S
This tummy control vest gives a flattering shape - great under close fitting tops. The hidden panel shapes the waistline and flattens your tummy while the longer length helps prevent it rolling up

Limited Collection Frill Sleeve Satin Dress, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

The Floral Collection Lavender Anti-Perspirant Deodorant, at Marks and Spencer
150ml Lavender fragrance Anti-perspirant deodorant Provides 24 hour protection Alcohol free This product is not available for international delivery. Find out more

Mirrored Collection 6-Drawer Chest, at Marks and Spencer
H81 x W121 x D51cm 6 drawers Mirrored finish with clear knobs 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pure Cotton High Leg Knickers, at Marks & Spensers
Indulge in serious comfort every day of the week with the breathable - and easy to care for pure cotton of these great value knickers. A high leg cut provides a flattering fit you'll adore

Stainless Steel Meat Prong, at Marks & Spencers
Loop in the handle for hanging Stainless steel This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Petite Single Breasted 1 Button Jacket, at Marks & Spenser
Chic and stylish, this single breasted jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience. Specially designed and perfectly proportioned for the petite frame

3/4 Sleeve Front Tie Mock Layer Top, at Marks and Spencer
It looks like a vest and a top, but this fashionable mock layered design is just one piece. The stripe print adds a stylish touch.

Dualit Vario 4-Slice Toaster - Cream, at Marks n Spencer
4 slice toaster Patented, award-winning ProHeat elements Mechanical timer to control toasting Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Designed for use in commercial kitchens Adjustable inner wire guard to grip toast All parts are repairable or replaceable Concealed crumb tray Extra wide 23mm slots to accommodate larger items and the optional sandwich cage Hand built in England 2200 watt Weight: 4.25 kg Dimensions: H22 x W46 x D21cm 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

Blue Nostalgic Photo Anniversary Card, at Marks and Spencer
Cover text: With you both a happy anniversary Inside message: Blank for your own message Approx. size: 175 mm x 125 mm

Big & Tall Crease Resistant Fine Stripe Trousers, at Marks and Spencers
Stay smarter for longer with these innovative crease resistant trousers. Perfectly proportioned for big and tall men

Small Elephant Soft Toy, at Marks and Spencer
Suitable for ages 0-3yrs This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Short Sleeve Embroidered Jumper & Floral Print Top Set, at Marks & Spencers
Cute and casual, these short sleeve cardigan and floral print top look fabulously fashionable worn together or separately

Fresh Rose Scented Candle, at Marks and Spencers
Fresh rose scent Burns upto 45 hours Tinted glass holder, Manufacturer: Marks & Spencer

Construction Set, at Mark & Spensers
Suitable for ages 3-6 years 5 construction vehicles Includes a die cast dumper truck, excavator, crane, bulldozer and a digger Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Dobby Stripe Nightshirt, at Marks and Spencers
Pretty and feminine, this dobby stripe nightshirt is made from soft breathable cotton for a comfortable night's sleep

Older Girls' Recycled Leather Ballet Pump Shoes, at Marks & Spencer
Round toe Ankle strap with riptape fastening Flower detail Flat sole Scuff resistant

Autograph Leather Shopping Bag, at Marks & Spencer
Fashionable and environmentally conscious, this Autograph shopping bag makes a great alternative to plastic carriers

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