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

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

Limited Collection Knotted Strand Necklace, at Marks & Spensers
Mixed beads Multi strand design Knoted detail

Collezione Luxury Leather Wallet, at Marks and Spencer
Smart, stylish and practical, this leather wallet makes it easy to organise cards, notes and coins

Indian Summer Collection - Tea Light Holders, at MarksandSpencer
H6.8 x Diam: 6.6cm Pack of 4 Frosted baroque design Glass Assorted colours Tea lights included Burning time: Approx: 4 hours, Manufacturer: Marks & Spencer

2 Classic Underwired Bra, at Marks & Spencers
Soft and comfortable Feminine and prettY Smooth and versatile, this pack of 2 underwired bras are great value. They're designed to give gentle support and a flattering fit

Barletta 2 Seater Sofa AU09 Newness, at Marks and Spencer
Manufacturer: Marks & Spencer

Fenton Storage Footstool, at Marks & Spensers
H48 x W56 x D56cm Seat: H51cm (all dimensions are approximate) Cushion filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cotton Rich Low Rise Plain Shorts, at Marks & Spencer
Low rise shorts are perfect for wearing with hipster styles and these stylish cotton rich shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Detroit Side Table, at Mark's & Spencer
H56 x W50 x D50cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Shelves made with oak veneer All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning: Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Crinkle Coin Purse, at Marks & Spencer
Practical and stylish, this purse features compartments for your cash and cards and a secure zip fastening, making it an ideal choice for everyday use

Autograph Pure Linen Bootleg Trousers, at Marks & Spenser
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Rosina 2-Seater Occasional Sofa Bed, at Marks and Spencer
H85 x W174 x D97cm (extends to L233cm) Seat H47cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Mattress dimensions: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Inclusion Vanilla Candle, at Marks n Spencer
Chunky design Twig detail Vanilla scented Shallow dish holder Burns up to 80 hours H15 x diam 10cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Linen Short Sleeve Shirt, at MarksandSpencer
Relaxed and stylish, this short shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Autograph 3 Piece Pure Cotton Corsage Cardigan Outfit, at Marks & Spensers
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

Older Boys' Pure Cotton Denim Jacket, at Marks & Spenser
Relaxed and modern, this denim jacket makes a comfortable and practical choice. It's machine washable for added convenience

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & M300 Mattress, at Marks & Spencer
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: H41cm Large drawers: H14 x W78 x D52cm, small drawers: H14 x W40 x D52cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Mattress spring count: 896 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Younger Girls' Classic Patent School Shoes, at Marks and Spencer
Round toe Floral detail Scallop trim Single ankle strap with rip tape fastening Flat sole Easy Clean

Autograph Weekend Cocoon Button Cardigan with Angora, at MarksandSpencer
Casual and modern, this cocoon button boyfriend cardigan has been designed for a chic, relaxed look

Bamboo Collection Salad Servers, at Marks & Spencers
2 part set Includes salad fork and spoon, Manufacturer: Marks & Spencer

Multi Strand Molokai Choker Necklace, at Marks & Spencer
Necklace length: 43cm, extendable by 7cm Multi strand Assorted bead design

Lilac Dandelion Birthday Card, at Marks and Spencers
Cover Text: With love Inside Message: On your special day Approx size: 230 x 114mm

Matt Finish Metal Photo Frame 10 x 15cm (4 x 6''), at Marks & Spenser
Wide border Matt finish Rectangle shape Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Travel Iron, at Marks & Spencer
Small and compact with a foldable handle Ideal for removing suitcase creasing This product is not available for international delivery. Find out more

Luxury Pure Cotton Edged Stripe Shirt, at Marks & Spencer
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Dinosaur Cake, at Marks and Spencers
40 portions Chocolate cake: A rich chocolate cake filled with milk chocolate ganache. Total cake size is 26 x 14cm and weight is 2.7Kg. Can be eaten up to 5 days after collection Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 62 of the Food to Order catalogue Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Pure Cotton Denim Cargo Shorts with Wristband, at Marks&Spencer
A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature multiple pockets. A fashionable, easycare style

Pure Wool Lightweight Check Scarf, at Marks & Spencer
Add a fashionable finishing touch to your look with this pure wool check design scarf. The perfect accessory to this season's styles

The Pleated Ottoman Mini Skirt, at Mark's & Spencer
The mini is a classic and a must for showing off great legs! Clever pleating and folding gives this must have skirt a striking catwalk-inspired feel

Facet Detail Sunglasses, at Marks and Spencer
A hot look for summer, these fabulous facet detail sunglasses add instant style and glamour

Mirrored Side Table, at Marks & Spencers
H50 x W48 x L48cm Mirrored effect finish Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , 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 M & S, through its M+S 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 & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.