M&S Financial Services 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 Financial Services 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:

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

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spencers Standard Car Insurance. With M&S Financial Services 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 M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & Spenser, 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 Money, you get more, and you pay less.

M&S Financial Services 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 Home 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 Home 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Autograph White Hungarian Goose Down Duvet - 4.5 Tog, at Marks and Spencer
4.5 tog Highest quality class 1 Hungarian goose down Large down clusters within a multi-pocket construction - provides warmth without weight Each pocket is individually filled ensuring even down distribution 100% cotton outer cover - 300 thread count downproof cover Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Pure Cotton Check Pyjama Bottoms, at Marks and Spencer
Soft and comfortable, these cotton pyjama bottoms can be worn with a number of our pyjama tops and t-shirts to create your own style

Gold Plated Snail Bracelet, at M+S
Clasp fastening Snail shell design Adjustable length Bracelet length 20cm, extendable by 5cm

Baking Day, at Marks & Spensers
Rejuvenate the art of baking with this useful book, create delicious home baked food for your family to enjoy

Up To Y25.00 Cush - CUSH SPARKLE SEQ, at Mark & Spensers
Manufacturer: Marks & Spencer

5 Luxury Multi Stripe Handkerchiefs, at Marks & Spencer
Luxuriously soft handkerchiefs in pure cotton

New Arrival Birds New Baby Card, at Marks and Spenser
Cover text: New arrival Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Oodles of Doodles Activity Book, at Marks & Spenser
Have fun completing this colourful, action-packed sticker book with 60 stickers. Fan-doodle-tastic fun!

Spots and Stripes Large Gift Bag, at Mark & Spencers
Pack Contains: 1 gift bag Approx Size: H: 420 mm, W: 300 mm, D: 100 mm

Pure Cotton Ribbon Trim Hat, at Marks and Spencers
Keep ahead of the trends with this contemporary ribbon trim sunhat, an essential look for style in the sun

Sony 32GB WALKMAN® MP3 Player, at Marks & Spensers
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 Five band equaliser and VPT to customise music settings 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) 32GB storage holds up to 8,000 tracks (128kbps mp3) or over 120 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

JBL On Stage™ 3 - Portable Speaker Dock for iPod®, at Marks and Spenser
Compatible with most docking versions of the iPod, including nano and 5G versions Stereo mini jack allows connection to MP3 and CD players, desktop and laptop computers, and satellite radio Easy-to-Use Touch Controls - Touch Volume Control, a touch on both pads mutes or unmutes the system Remembers your last volume setting even after the system shuts down The OnePoint iPod connectors provide the connection to your computer Provides power to charge your iPod when it's not connected to the computer, even if the system is off Odyssey Transducers - The four aluminum-domed transducers are driven by powerful neodymium magnets. This design provides a full, rich-frequency response from the lowest bass to the highest highs Computer Optimised Equalisation - provides a rich, complete soundstage Optimised Compression Topology - Utilises a proprietary compression technology to ensure clean, accurate sound at high-output levels Includes auxiliary audio input cable and wireless remote control Surface-gripping rubber feet Provides astonishing bass and clear, accurate sound Frequency Response: 80Hz 20kHz Input Impedance: >10k Ohms Signal-to-Noise Ratio: >85dB Dimensions: H50 x D190mm 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

2 Pairs of Younger Boys' Disney Cars Socks, at Marks and Spenser
A must for fans of Disneys Cars these cotton blend socks feature the popular character

Diamond Mesh Tights, at Mark's & Spencer
Treat your legs to a touch of style. These diamond mesh tights have a durable reinforced design to keep them looking good, wear after wear

3 Button Bootleg Trousers, at Marks and Spenser
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. A look that's always in style

Big & Tall Single Pleat Trousers, at Marks n Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

Philips Power2Charge Universal USB Charger, at Marks and Spencer
The plug is designed in such a way that it can be folded when not in use to increase portability when on the go Via the illuminated Philips logo, you are informed about the charging status of your device. When the Philips logo starts flashing you know your device is fully charged, so you can unplug it from the power outlet and prevent unnecessary energy consumption The travel bag supplied with this device is both convenient and useful as it provides extra protection Once they are charged, a protection circuit ensures no more power is provided to the batteries of your portable device With built-in short-circuit protection, there is no risk of damaging your device. The built-in protection quickly shuts off the output Power input voltage: 100-240 V Power output voltage: 5.6 V Heavy metals: Cd free, Hg free, Pb free Dimensions: H7 x W5.6 x D5.2cm Weight: 0.07 kg

Autograph Pure Cotton City Scene T-Shirt, at Marks & 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

Per Una Short Sleeve Top with Spot Scarf, at Marks & Spencers
A modern short sleeve top featuring a trim neckline. Comes with scarf shown in the photograph

Cotton Rich Zip Funnel Neck Jumper, at Marks and Spencer
A practical, casual jumper in a cotton rich fabric featuring a zip fastening. A great value easycare style

Tiny Fairies Mum Birthday Card, at Marks & Spenser
Cover text: A perfect Mum like you Inside message: ...deserves a perfect birthday that's full of fun and laughter xx Approx size: Unfolded: 150 x 215mm

2 Cotton Rich High Leg Lace Knickers, at Marks and Spenser
Look slimmer in seconds! These knickers gently flatten tummies for a sleeker, slimmer silhouette. Soft cotton blend fabric makes them comfortable to wear

Scout Comfort Sleeping Bag, at Marks n Spencer
1 season lightweight and spacious sleeping bag with a square hood and base for extra comfort. Ideal for camping and caravanning. Comfort temperature of +10C

Winchester Armchair, at M & S
H94 x W94 x D100cm Seat H49cm, arm H62cm, top back rail H81cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions made from polyester fibre Fabric options have reversible cushions Fixed covers only Solid birch feet with a dark finish 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 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Electronic Decision Maker Husband Birthday Card, at M+S
Cover text: To my, Gorgeous, Charming, Hunky, Cheeky, Fabulous, Handsome, Husband Inside message: Blank for your own message Approx size: 215 x 150mm

Supima® Pure Cotton Non-Iron Housewife Pillowcase, at MarksandSpencer
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel, Manufacturer: Marks & Spencer

2 Piece Pure Cotton Giraffe Top & Bottoms Outfit, at Marks and Spencer
Fun and practical, this cute 2-piece outfit features a giraffe print. It's made from soft pure cotton to keep him comfy. Part of our fabulously stylish Limited Collection

Sony Bravia 40'' KDL-40E4000 HD Ready Picture Frame LCD TV, at Mark & Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch LCD with 6.2 megapixel resolution Contrast Ratio: Dynamic contrest 33,000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W100.6 x 69.5 x 28.3cm (with stand), 100.6 x 64.5 x 11.4cm (without stand Weight: 22kg (with stand), 19kg (without stand) Surround Sound Effect: BBE ViVA high quality sound and built-in Virtual Dolby creating the effect of full surround sound from only 2 front speakers Connectors: 3 x HDMI, 2 x scart (RGB), 1 x component, PC Input (15pin D-Sub) + Audio In, PCMCIA Card Slot, Digital Audio Output (optical), 3.5mm MiniJack (Head/Earphone), RCA Audio Out, USB 2.0 Input, Composite RCA AV Input, RF In (HDMI and Scart cables sold separately) BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen 24p True Cinema: Shows films at 24 frames per second just like a real cinema Xross Media Bar: A new Sony interface that's easier to operate Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Mixed Chunky Bead Chain Necklace, at Mark & Spencers
Clasp fastening Link chain Mixed chunky beads Adjustable length Length: 86cm, extendable by 8cm

Chandelier Embroidered Quilted Bedcover, at Marks&Spencer
L250 x W265cm Embroidered design, Manufacturer: Marks & Spencer

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 & 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 Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.