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 MarksandSpencer 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.

When you're shopping at Marks n Spencer 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 M&S Financial Services. Offering everything from savings accounts and credit cards, to Home 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 M&S Financial Services. 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 M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks & Spensers 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 M & S, 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 Financial Services, you get more, and you pay less.

Wonderful Birthday Butterfly Card, at Marks & Spensers
Cover Text: have a wonderful birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

3 Pure Cotton "Hello Kitty" Vests, at Marks and Spenser
Fun and fabulous, this 3 pack of cotton vests feature Hello Kitty

Blossom Tree Embroidered Curtains, at Marks & Spencer
Manufacturer: Marks & Spencer

Hoppy Birthday Frog Age 3 Birthday Card, at Marks and Spenser
Cover text: Hoppy birthday! Inside message: Have a great day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Pure New Wool Single Breasted 2 Button Twill Jacket, at Marks & Spencer
Beautifully tailored and finished with careful attention to detail, this luxurious jacket is made from pure new wool

Set of 3 Photo Frames 17 x 12cm (4 x 6"), at Mark & Spencers
Set of 3 Rectangle shape Aperture: 4 x 6'' H17 x W12cm, Manufacturer: Marks & Spencer

La Prendina Estate Corvina Red 2007 - Case of 12, at Marks & Spensers
Style: Medium bodied Grape variety: Corvina, Marzemino & Barbera Country of origin: Italy Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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 Hooded Top & T-Shirt Set, at Marks & Spensers
This fashionable layered look is a 2 piece set - a t-shirt and hooded top, both in soft comfortable cotton. Stylish, practical and easycare

4 Large Maxim Wine Glasses, at Marks and Spencers
Pack of 4 Height 23cm 45cl, Manufacturer: Marks & Spencer

Autograph Fliptoe Slip On Shoes, at Marks&Spencer
Square flip toe Stitch detail Slip on Block heel

Ruby Side Plate - Red, at Marks & Spensers
Plain centre Stripe edge Diam 21.5cm, Manufacturer: Marks & Spencer

2 Cotton Rich Strappy Vests, at Marks and Spencer
Stylish and practical, this pack of 2 strappy vests makes a great value way to stock up your underwear drawer. The soft stretchy fabric is the ideal choice for everyday wear and gives a comfortable flattering fit

Cotton Rich 3 Button Check Pyjama Bottoms, at Marks n Spencer
Pretty and feminine, these check pyjama bottoms are made from soft cotton rich fabric for a comfortable night's sleep

Mechanical Fab Birthday Card, at M & S
Cover Text: Get ready for a Fab Birthday! Inside Message: Celebrate in style Approx size: 135 x 135mm

M&S 50 Laminator Pouches, at Marks and Spenser
Pack of 50 A4 size Clear laminator pouch quality ensures true to original colour reproduction Can be used for photo documents 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

Older Boys' Pure Cotton Ice Cube Check Pyjamas, at Marks and Spencer
He'll love the fun 'I'm so cool' slogan on these comfy pure cotton pyjamas

Sports Sandals, at Marks & Spensers
Rip tape fastening Open toe Flat sole Contrast stitching

Italian Collezione Pure Silk Maize Tie, at Marks and Spencer
Combining classic silk quality with a contemporary design, this stunning tie will make a valuable and versatile addition to your formal wardrobe. Made in Italy

Blue Harbour Long Sleeve V-Neck Fleece Top, at Marks & Spencers
Relaxed and cosy, this long sleeve v-neck fleece top is outstanding value!

Wooden Rounders Set, at Marks n Spencer
Contains: Bat, 4 posts, ball and instructions Bat: 440mm Posts: 440mm

Portfolio Sleeveless Cross Over Neck Jersey Dress, at Marks and Spencer
Sophisticated and elegant, this short sleeve dress features a cross over neck. A flattering, stylish look

Collezione Pure Wool Single Breasted Jacket, at Mark's & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Recycled Stain Defence™ & Stormwear™ Fashion Skirt, at Marks & Spensers
Smart and stylish, this fashionable skirt is made from polyester from 100% recycled sources. It is treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

White Pearl Damask Thank You Cards - Pack of Ten, at Marks and Spencer
Inside message: Blank for your own message 10 cards, 1 design Approx size: 155 x 110mm

Pure Cotton Long Sleeve Classic Pleat Shirt, at Marks and Spencers
The perfect accompaniment to that classic tuxedo, this elegant dress shirt is tailored to reveal a smart, stylish appearance

Real Rose Petal Confetti, at M+S
Contains: 1 pack rose petal confetti Bow tie bag 3g

Stormwear™ Pure Cotton Single Breasted Mac, at Marks&Spencer
Fashionable and practical, the mid length single breasted mac is a wardrobe essential this season. This version in a water resistant easycare fabric features a modern large button detail

Footglove™ Wide Fit Leather Bow Pumps, at Marks and Spencer
Round toe Bow feature Slip on Low heel Heel height: 16mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Glass Ball Collection - Table Lamp, at Marks&Spencer
Square base Glass ball stem Suedette shade H60 x Diam 30cm Bulb: 100W BC GLS 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 , Manufacturer: Marks & Spencer

First Readers The Three Billy Goats Gruff, at Marks and Spencer
The Billy Goats Gruff want to eat the green grass on the other side of the bridge. But can they face up to the troll? He is waiting for the three goats!

Besides Marks and Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home 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 Financial Services 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 n Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.