Marks & Spencers 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 & Spencers 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 & 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, Sainsburys, 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 & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger 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 M & S are so useful. Marks & Spencers 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, Buildings Insurance policies. Usually, UK Buildings 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 & Spencers Money Buildings 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 & Spencers Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

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 Mark's & 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 & Spenser, through its Marks & Spencers 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 Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Small Fishbowl Vase, at Mark's & Spencer
Incredibly versatile, this elegant vase is ideally suited for smaller floral arrangements or simply displayed on its own for an understated effect

The Floral Collection Magnolia Hand & Nail Cream, at M+S
Hand and nail cream Moisturising 100ml Ingredients: Aqua, Glycerin, Paraffinum Liquidum, Cetearyl Alcohol, Petrolatum, Magnolia Liliflora (Magnolia), Polysorbate 60, Glyceryl Stearate, PEG-100 Stearate, Isopropyl Palmitate, Dimethicone, Panthenol, Parfum, Disodium EDTA, Imidazolidinyl Urea, Methylparaben, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Triethanolamine Propylparaben, Xanthan Gum, Benzophenone-2, Propylene Glycol, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Cinnamyl Alcohol, Citronellol, Eugenol, Geraniol, Isoeugenol, Linalool, Phenoxyethanol, Butylparaben, Ethylparaben, Isobutylparaben, CI 19140, CI 14700

M&S Driving Test Software, at Marks & Spencers
Theory, hazard and practical driving tests all in one handy suite Theory - multiple choice Hazard perception - official Q&A sample clips Practical - 2 day driving programme and interactive guide This product is not available for international delivery. Find out more 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

Mummy's Day Love Lane Sheet Wrap Pack, at Marks and Spencer
Contains: 2 sheets, 2 tags Approx size: Each sheet: H695 x W495mm

Machine Washable Pindot Tie, at Marks and Spenser
Classic pindots provide a stylish design on a sturdy fabric base. A most reliable tie that will lend assured elegance to your shirts

Ultimate Non-Iron Pure Cotton Long Sleeve Check Shirt, at M&S
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Sherwood Estate Marlborough Pinot Noir 2007 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir Country of origin: New Zealand Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Pure Cotton Stripe Rugby Shirt, at Marks&Spencer
Cute and fun, the stripe design makes this practical top extra special. It's made from soft cotton and feels comfy to wear.

Cotton Rich Slim Bootleg Jeans with Belt, at Mark's & Spencer
Like the classic bootleg, these jeans are flattering, feminine, shapely and easy to wear. They're cut narrower from the knee, giving a long, lean silhouette. Added stretch gives the perfect fit

Cross Dye Stitch Detail Quilted Bedcover, at Marks & Spencer
Cross dye design Stitch detail, Manufacturer: Marks & Spencer

125 Years Autograph Pure Cotton Floral Frill Top, at Marks & Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Sony Stamina Plus D Alkaline Batteries - Pack of 2, at Mark's & Spencer
Voltage(V): 1.5 Cells per pack: 2 Size: D / LR20 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

Crackle Ceramic Table Lamp, at Marks and Spenser
Cracked effect Fabric shade Diam 23.5 x H33cm Bulb: GLS 822 60W & energy saving equivalent This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Frogs Husband Birthday Card, at Marks and Spencer
Cover Text: Husband Have a hoppy day Inside Message: Have a very happy birthday Approx. Size: 178mm x 126mm

Metal Bud Gem Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencer
Metal bud design Aperture 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Andante Round Mug, at Marks & Spencer
Ideal for everyday use, durable Plain Diam 8.5cm H10cm, Manufacturer: Marks & Spencer

5 Pairs of Ankle Length Sport Socks with Cool&Fresh, at M+S
These sports socks feature a cushioning sole for shock absorption and comfort. Knitted arch support keeps them in place during exercise

Artificial Tea Rose in Glass Vase, at Marks & Spencers
Artificial tea rose Glass vase No watering required therefore easy care Fresh looking throughout the year Height: 33.5cm, Manufacturer: Marks & Spencer

Purdy Sunglasses, at MarksandSpencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Perfect Collezione Single Breasted 2 Button Jacket, at MarksandSpencer
This beautifully soft jacket is both durable and versatile. Wear it to the office with a shirt and tie, or just over a jumper with jeans at the weekend

Burra Brook Chardonnay 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Floral Print Mock Layer Top, at Mark & Spencers
Chic and modern, this mock layer top is made from cool comfortable cotton and features floral print neckline

Pure Cotton Long Sleeve Minnie Mouse Top, at Marks & Spencer
Fans of Disney will love this long sleeve cotton top featuring Minnie Mouse. A practical, easycare style

7 Pure Cotton Short Sleeve Assorted Bodysuits, at Marks and Spenser
Cute and practical, this pack of 7 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep him feeling comfy and happy

Easycare Long Sleeve Simple Stripe Shirt, at Mark's & Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

ABC and 123 Roll Wrap, at MarksandSpencer
Includes 1 roll wrap Approx size: 200 x 70cm

Cotton Rich Total Support Swirl Embroidered Bra, at Marks and Spencers
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

Big And Tall Luxury Wool Double Breasted Jacket with Cashmere, at Marks & Spensers
Specially proportioned for big and tall men, this double breasted jacket is designed to give a flattering, comfortable fit

Auto Movement Mantle Clock, at M+S
Square shape Roman numerals Exposed cog design, Manufacturer: Marks & Spencer

Gardening Female Cake, at Marks & Spencer
Serves 36 Chocolate cake: a rich chocolate cake filled with milk chocolate ganache. Can be eaten up to 5 days after collection Cake size: 20.5cm square 1.95kg total weight Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 64 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

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