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

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.

Besides Marks & Spencers Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Buildings & Contents 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 Money 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 Mark & Spencers purchases are also protected while you take them home.

Also, on both M+S Money Premier Buildings & Contents Insurance and Standard Buildings & Contents 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.

Cashmilon™ Rose Print Scarf, at Marks and Spencer
Keep warm, cosy and stylish in this fashionable rose print scarf made from supersoft cashmilon™

Orvieto Single Estate 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Mixed White Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians 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

Country Bunch Hand Made Birthday Card, at Marks and Spencers
Cover text: Happy birthday Inside message: ... with lots of love xxx Approx size: 150 x 150mm

Cotton Blend Tummy Control Floral Lace 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

2 Autograph Fine Stripe Slips, at Marks & Spencers
A comfortable, easy to care for fabric teams up with a stripe design here to create a stylish addition to your day to day underwear drawer

Cotton Rich Stripe Hooded Top, at Marks and Spencer
Smart and stylish, this hooded top features a stripe design and heart shape motif

4 Oslo Champagne Flutes, at MarksandSpencer
Set of 4 V-shaped, Manufacturer: Marks & Spencer

Oh-So Lovely, at Marks and Spencer
This luxurious bouquet, featuring soft white roses and lovely cream and purple edged carnations, is sure to make someone feel special Available for delivery between 1st April to 30th September 2009

Bow Charm Necklace, at Marks and Spencer
Clasp fastening Adjustable length Link chain Bow feature Heart and star charms Necklace length 43cm, extendable by 5cm

5 Embroidered High Leg Knickers, at Marks and Spencer
These high leg knickers are perfect for everyday wear and this multipack makes a great way to stock up your underwear drawer

Pima Cotton Long Sleeve Tie Front Top, at Marks and Spencer
Chic and modern, this fashionable tie front top is made from supersoft fabric that looks and feels great. Modern styling details give a contemporary edge

Per Una Leather Cut Out Butterfly Shoes, at Marks and Spenser
Round toe Cut out detail Bow feature Slip on Mid heel Available in sizes 3-8, including half sizes

Pure Cotton V-Neck Floral Print Top, at Marks&Spencer
This short sleeved top will make a useful addition to your wardrobe. It features floral print for a stylish casual look

3/4 Sleeve Square Neck Button Top, at Marks&Spencer
This square neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Vienna Collection - Floor Lamp, at Mark & Spensers
Facetted glass curtain shade Chrome plated base Round base Dimensions: H161 x Diam 40cm Bulb: 100W GLS or 21W CFL, Manufacturer: Marks & Spencer

Ceriso Silk Blend Spot Print Padded Bra, at Marks & Spenser
Flirty and fashionable, this glamorous bra is made from silk mix fabric with a spot print, finished with a lace trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

Maxim Dinner Plate, at Marks & Spenser
Plain white porcelain Suitable for everyday use Versatile fine dining range Diam 27cm, Manufacturer: Marks & Spencer

Hamilton Armchair, at Marks and Spencers
H95 x W103 x D99cm Seat H49cm, arm H66cm, top back rail 73cm Seat cushions made from Quallofil Extralife filling. Click here for more information on Quallofil Extralife Cushions are reversible on fabric upholstery options Solid birch feet 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sprung-Edge Non-Storage Divan & Autograph F500 Mattress, at Marks & Spensers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L90cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): w180 x l200cm Mattress depth: 28.5cm Divan Height: 41cm Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Mattress Spring Count: 1225 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Firm Control Magic Low Leg Lace Panel Full Briefs, at Marks & Spensers
As if by magic, these knickers control and shape you where you need it most, flattening tummies and lifting bottoms. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

V-Neck Guipure Lace Plain Vest, at Mark & Spensers
A pretty addition to any wardrobe. This beautiful vest matches lush guipure lace with the cosy, convenient qualities of a soft and easy to care for design

Holographic Dandelion Niece Birthday Card, at Marks and Spencer
Cover text: To a special Niece Inside message: With love on your birthday Approx size: 215 x 150 mm

Concertina Paper Butterflies Birthday Card, at Marks and Spencers
Cover Text: Birthday surprises Inside Message: Blank for your own message Approx size: 230 x 114mm

Autograph Ascari Bedstead - King Size (5ft), at Mark's & Spencer
H107 x W248 x D162cm Underbed: H12cm (all dimensions are approximate) Scroll bedhead Hand tied button detail Mattress sold separately 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 Delivered flatpack due to size 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 Free swatch service: 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Per Una Printed Stripe Bikini Top, at Marks and Spenser
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

Print Your Own Wedding Stationery: White Pearl Damask Menu/Order of Service, at Marks&Spencer
Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 decorative ties, 1 x instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Please note: As this stationery is not intended for use as invitations, envelopes are not supplied in this pack Approx size: 218 x 154mm

Stripe Seat Pad, at Marks & Spencer
Tie fastening Stripe design Padded, Manufacturer: Marks & Spencer

Portfolio 3/4 Sleeve Button Detail Stripe Jersey Top, at Marks and Spencer
Smart and stylish, this 3/4 sleeve jersey top is made from stretch viscose for a fluid look. The stripe print adds a fashionable finishing touch

Platinum Plated Sparkle Stud Earrings, at Mark's & Spencer
Platinum plated Diamant detail Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Stonier Reserve Chardonnay 2006 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% 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

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 Spencer 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 and Spencer, through its M+S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.