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 & Spensers 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.

When you're shopping at Marks & Spencers 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings & Contents 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 Marks & Spencers Money. 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers Money 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."

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

Soft Fleece Dressing Gown, at Marks n Spencer
Relax in style and comfort in this cosy dressing gown made from soft fleece

2 Machine Washable Mini Ties, at Marks & Spencers
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Disney Fairies Colour and Activity Pad, at Marks & Spensers
Tink and all of her fairy friends are waiting for you to open up this book and join the pixie fun! They'll keep you busy for hours with lots of fabulous fairy activities to complete and magical pictures for you to bring to life with colour.

Parisian Chic Calendar, at Marks n Spencer
Approx. size: 225 x 390mm

Cotton Rich Long Sleeve Hooded Top, at Mark's & Spencer
Soft and comfy, this fashionable hooded top is outstanding value. A practical easycare style

Chic Stripe Bedset, at Marks & Spensers
Stripe design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet (6ft)cover and 2 pillowcases, Manufacturer: Marks & Spencer

Double Buckle Shoulder Bag, at Marks and Spencer
Stylish and practical, this handbag is made from luxurious soft suede and features double buckle. A useful and fashionable accessory

Long Sleeve Funnel Neck Fleece Jacket, at Marks & Spensers
Fashionable and practical, this comfortable fleece features a funnel neck for a stylish modern look

Autograph Bone China Pasta Bowl, at Marks and Spencer
Wide shallow style Plain Diameter: 30cm, Manufacturer: Marks & Spencer

ISIS Eau De Toilette, at Mark & Spencers
100ml This product is not available for international delivery. Find out more

Short Sleeve Cocoon Dress, at Marks and Spencer
Chic and stylish, this short sleeve cocoon dress makes a great choice for work or smart occasions. It's machine washable for added convenience

Per Una Mixed Bohemian Bead Rope Necklace, at Marks&Spencer
Rope necklace Mixed bead design Length: 84cm

Adored Comfort Pansy Lace Non-Padded Bra, at Marks & Spensers
Soft and pretty, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear. It's underwired and shaped for an uplifted natural look. Feminine everyday lingerie

Formula Skincare For Men Aftershave Balm, at Marks and Spencers
Soothes Moisturises Non-greasy balm

Pure Cotton Short Sleeve Pyjama Top, at Marks and Spencer
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

Blue Harbour Pure Cotton Polo Shirt, at Marks & Spencers
Stylishly smart and casual, this polo shirt is made from pure cotton, so it's soft, breathable and comfortable to wear.

Footglove™ Leather Wide Fit Wishbone Sandals, at Mark's & Spencer
Footglove™ soles are comfortable, highly flexible and lightweight Round toe Buckle fastening Contrast strap design Wide fit Comes in sizes 3-8, including half sizes

2 Bali Slat-Back Dining Chairs, at Marks & Spencer
H103 x W47 x D52cm Seat H47.5cm Seat pads sold separately Sold as a pair This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Airflex™ Flexi Apron Lace-Up Shoes, at Marks and Spencer
Square toe Apron stitch detail Lace-up 3 eyelets Low heel Unique Airflex™ airflow system for unbeatable comfort

Bubble Bullet Glass Vase, at Marks & Spencers
Bullet design Hand made Thick base Bubble base design H31cm, Manufacturer: Marks & Spencer

Ethnic Long Mix Necklace, at Marks and Spencer
Ethnic style Chunky mixed beads Necklace length 82cm, extendable by 8cm

Garden Noughts & Crosses, at M+S
Contains: 5 noughts, 5 crosses, 4 wooden strips to make up grid, instructions Noughts: 120mm diameter Crosses: 120 x 120mm Grid: 520 x 530mm

Gold Plated Faux Pearl Trio Earrings, at Marks n Spencer
3 piece set Stud fastening Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph 2 Piece Pure Cotton Pinafore Dress & Top, at Marks and Spencers
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

3 Pack Pure Cotton V-Neck T-Shirts, at Marks and Spencer
A great value pack of t-shirts in comfortable cotton. Ideal as casualwear and for PE

Per Una Ostrich Print Clutch Bag, at Marks and Spencer
An ostrich print makes this fashionable purse even more special. A practical and stylish accessory with the Per Una twist

Older Girls' Snoopy™ Mule Slippers, at Marks & Spencer
Round toe Mule style Slip-on Snoopy™ motif PEANUTS United Feature Syndicate, Inc. Licensed By PSL

Blue Harbour Pure Cotton Long Sleeve Pinstripe Shirt, at Mark & Spensers
Relaxed and stylish, this pinstripe shirt is made from pure cotton so it feels soft and comfortable to wear

We're Going On A Bear Hunt, at Marks and Spencers
This worthy winner of the Smarties prize in 1989 is a timeless classic that is enjoyed by children of all ages. A journey through grass, a river, mud, and other obstacles leads to finding a bear!

Limited Collection Snake Print Leggings, at Marks & Spencers
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

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spencers Standard Car Insurance. With Marks & Spencers Money you can keep the cost of your Car Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Car Insurance cover from Marks & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks n Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Car Insurance from Marks & Spencer Money, you get more, and you pay less.