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

Besides Marks & Spencer Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers 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 Marks & Spencers 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 Marks and Spenser purchases are also protected while you take them home.

Also, on both Marks & Spencers 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.

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 & Spencer are so useful. Marks & Spencers Money financial products are, of course, designed to make Marks and Spencers 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.

Philips CD1551B Cordless Phone with Answering Machine, at Marks and Spencer
50 name and number phonebook 10 call log entries 10 minutes recording time Plug and play answering machine Call waiting, caller ID, conference call, explicit call transfer, microphone mute Tone and pulse dialling Talktime up to 12 hours, standby time up to 150 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

Per Una Floral Sandals, at Marks and Spencer
Floral detail Buckle fastening Thong style Flat sole Comes in sizes 3-8, including half sizes

Textured Mid Calf Length Piped Skirt, at Marks & Spensers
Chic and stylish, this skirt makes a great choice for work or smart occasions. It's machine washable for added convenience

Quick Dry Towel, at M+S
This quick dry towel is made from a highly absorbent material, whilst its compact size allows you to take it with you on all of your travels

Gemma Embroidered Linen Bedcover, at Marks & Spenser
Embroidered design L250 x W265cm, Manufacturer: Marks & Spencer

Blue Harbour Plain Linen Shorts, at Mark & Spencers
Think smart on those warmer days and nights with the design of these great value shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Autograph Silk Blend Jacquard Blouse, at Marks & Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Rose Print Mug, at Marks and Spencer
Rose design Slim handle, Manufacturer: Marks & Spencer

Lavender Refresher & Burner Oil, at M+S
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Luxury Pure Cotton Royal Oxford Check Shirt, at M & S
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

Per Una Plain Scarf, at Marks and Spencer
This sophisticated plain scarf is the perfect accessory to this season's fashions. The tasselled trim adds a stylish finishing touch.

Pure Cotton Tonal Neutral Stripe Towel, at Mark & Spensers
Tonal stripe design Hand - 50 x 90cm Bath - 70 x 137cm Sheet - 86 x 178cm, Manufacturer: Marks & Spencer

Reece Wardrobe, at Marks & Spencers
H205 x W115 x D58cm With 1 hanging rail and 1 shelf Assembled for you in the home This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this wardrobe as part of a set. Click here to view the Reece Collection Set. Click here to view the internal layout of this furniture, Manufacturer: Marks & Spencer

Chunky Animal Slab Rope Necklace, at M & S
Button fastening Chunky animal slab Rope necklace Necklace length 48cm

Mixed Bead Long Rope Necklace, at Marks and Spencer
Long length Mixed beads

Cotton Rich Embroidered Rose Full Briefs, at Marks and Spencers
Pretty and feminine, these embroidered full briefs are extremely comfortable to wear and give good coverage at the front and back

Pure Cotton Short Sleeve T-Shirt & Check Shorts Set, at Mark's & Spencer
Soft and breathable, pure cotton shortie pyjamas are the natural choice for a comfortable night's sleep

Silver Plated Glitter Stick Earrings, at Marks & Spencers
Hook fastening Single strand design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Art Deco Jewellery Box, at Marks and Spencer
Art deco design 4 drawers Mirror finish Internal compartments 35 x 25 x 16cm

Autograph Skinny Gingham Tie, at Marks & Spensers
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

Pure Silk Leaf Embroidered Cushion, at Mark's & Spencer
Square shape Leaf embroidered design Lined L50 x W50cm, Manufacturer: Marks & Spencer

Playmobil Farm Tractor, at M&S
Suitable for ages 4+ Cargo container can be tilted Mowing blade flips down This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Embroidered Bib Top, at Marks and Spenser
This short sleeve top will make a useful addition to your wardrobe. It features pretty embroidered bib detail for a stylish casual look

Autograph Jacquard Double Oven Mitts, at Marks and Spencer
Diamond design Double mitten Ribbed Storage loop, Manufacturer: Marks & Spencer

Patch Kitten Rug, at Mark & Spensers
Kitten design W50 x L84cm, Manufacturer: Marks & Spencer

Per Una Floral Jacquard Scarf, at Marks & Spencer
This sophisticated floral jacquard scarf is the perfect accessory to this season's fashions. The tasselled edge adds a stylish finishing touch.

2 Pure Cotton Joggers, at Marks&Spencer
Comfortable enough for crawling or napping in, these soft cotton joggers are a practical and fashionable choice

Sony 16GB WALKMAN® MP3 Player, at Marks & Spenser
Digital Noise Cancelling delivers amazing audio fidelity while blocking out external ambient noise (total suppression ratio of 17dB / 98%) Select Noise Cancelling manual settings for bus, plane, train or office to match your environment; or Quiet Mode for any usage S-Master Digital Amplifier for crystal clear sound with no distortion or analogue signal errors - putting you centre-stage in the studio or concert hall Clear Audio Technologies reproduce sound that's as true to the original source as it can be, for a mind-blowing listening experience Clear Stereo and Clear Bass deliver a perfectly precise and clear sound, cutting out audio distortion whatever the volume DSEE restores sound quality lost during file compression, recreating high frequencies as close to the original recording as possible 13.5mm EX earbud headphones for balanced rich sound quality, with unique closed and air-tight fit giving you deeper bass Open format support for all major file types includes MP3 / MP4 / WMA / AAC / Linear PCM / AVC / WMV / JPEG 3" full colour OLED touchscreen display for razor-sharp, ultra-bright video playback in incredible detail and clarity (WQVGA 432x240 pixels / 262,144 colours) 16GB storage holds up to 4,000 tracks (128kbps mp3) or over 60 hours video playback (at 384kbps) OLED (Organic Light Emitting Diode) technology for 100% colour reproduction, 10000:1 contrast ratio and wider viewing angles (up to 180 degrees) OLED technology for super-quick response times (0.1ms) - giving you breathtaking results on screen, even with fast-moving action scenes like sports Continuous playback for 33 hours of music and 9 hours of video Hi-speed USB port, and easy charge (3 hours full charge) Music searching by album, artist, genre, release year, playlists and folder Video playback includes scene scroll, to stop and start content using intelligent touchscreen technology Put your own soundtrack to photo playback, and create your own wallpaper using stored images Import, preview and transfer music, photos and videos straight from your computer to your WALKMAN player with Content Transfer software Quick start guide, USB cable, audio input cable and plug adaptor for in-flight use supplied Dual hybrid touchscreen and button operation, for easy control on the move Pre-installed and customisable wallpaper graphics Surf the web with built-in Wi-Fi: On-board connectivity lets you stream YouTube™ clips and podcasts

Taste of M&S, at Marks and Spencers
Belgian chocolates (70g) Organic milk chocolate & toffee biscuits (150g) Organic All Butter Shortbread Bites (200g)" Lemon curd (325g) Seville orange medium cut marmalade (454g) Strawberry conserve (340g) Fairtrade pure origin ceylon teabags - pack of 40 (125g) Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Girls' Limited Knitted Scoop Neck Jumper with Belt, at Marks&Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks and Spenser 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 Mark's & 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 M&S Finance, you get more, and you pay less.