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 Spenser 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.

Besides Mark's & Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 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 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.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

Friuli D.O.C Grave Merlot 2006 - Case of 6, at Marks & Spencer
Style: Medium bodied Grape variety: Merlot Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Autograph Art Deco Dressing Table Jewellery Box, at Marks and Spencer
Modern and stylish, this jewellery box will keep your jewellery organised and add a lovely finishing touch to your dressing table

Laser Cut Church Christening Card, at Marks and Spencer
Cover text: Christening Wishes, on your Christening Day Inside message: Blank for you own message Approx. size: 178 x 126mm

Pointed Toe Court Shoes, at Marks and Spencers
Pointed toe Slip on Mid heel Plain Heel height 67mm Comes in sizes 3-8, including half sizes

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

Chalk & Cheese Characters Multipack of Mini Cards, at M+S
Cover text: Design 1: Surprise, Design 2: Thanks, Design 3: For you, Design 4: Thank you Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Charlotte 3-Seater Sofa, at Marks n Spencer
H94 x W205 x D96cm Seat H50cm, arm H63cm, top back rail H77cm (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 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 Feet are castors 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

Sony 40'' KDL-40E5500 Full HD Ready Picture Frame LCD TV, at Mark & Spensers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 40 inch viewable screen and a display resolution of 1920 x 1080 pixels Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Dimensions: With table stand W101.6 x H68.0/66.3 x D30.3cm, Without table stand W101.6 x H64.3 x D9.8cm Weight: Weight including stand 20.5kg, Weight without stand 17.5kg Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA AV Input x 2, Analogue Audio inputs x 2, RF In, Scart Inputs (RGB) x 2, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen AppliCast™: View information from the internet on screen while watching TV with AppliCast™. Pre-installed services include a series of handy widgets such as an Analogue Clock and a Calendar Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Silver Plated Catseye Teardrop Necklace, at Marks n Spencer
Catseye pendant Adjustable length Clasp fastening

Multi-Aperture Photo Frame, at MarksandSpencer
Dark wood frame Holds 7 photos Various size apertures Rectangular frame, Manufacturer: Marks & Spencer

Long Sleeve Spot Print Satin Pyjamas, at Marks&Spencer
Feminine and elegant, these sleek satin finish pyjamas feel comfortable and give a flattering fit. A gorgeous, glamorous look

Short Sleeve Dog Print T-Shirt, at Marks and Spencer
A dog print adds a cute touch to this soft cotton top.

Animal Print Flip Flop, at Mark & Spensers
Animal print Flat sole

Mini Ball Table Lamp, at Marks and Spencer
Ceramic ball design H28 x Diam 13.5cm 240V~ SES 40W candle or 9W CFL, Manufacturer: Marks & Spencer

Pure Cotton Active Woven Trousers, at Marks and Spencer
As worn by GB Olympic pentathletes. Comfy and practical, these quick drying elasticated joggers are great for active workouts

Cashmilon™ Rose Print Scarf, at Marks & Spencer
Keep warm, cosy and stylish in this fashionable rose print scarf made from supersoft cashmilon™

Chateau Richemont Red 2005 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: 70% Merlot and 30% Cabernet franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Older Girls' Recycled Leather Ballet Pump Shoes, at M & S
Round toe Ankle strap with riptape fastening Flower detail Flat sole Scuff resistant

Per Una Linen Blend Frill Detail Cardigan, at Marks&Spencer
A fashionable long sleeve cardigan in cool linen blend fabric. Front frill detail gives it the Per Una touch

Cars DVD, at MarksandSpencer
Rating Universal, suitable for all,

Single Sprung-Edge Divan with 2 Small + 2 Large Drawers & F300 Memory Foam Mattress, at M & S
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 25cm Large Drawer: H14 x W78 x D52cm Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Sprung-Edge divan - 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 Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Older Girls' Sunglasses, at Marks & Spencer
Fashionable and fab, these plain sunglasses give 100% UV protection for safer style in the sun

Profiterole Stack, at Marks and Spencer
Serves 8 Ready to eat Not suitable for nut allergy sufferers 640g As featured on page 49 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Autograph Pure Silk 3 Layer Short Sleeve Top, 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

Per Una Stripe Full Panel Skirt, at Marks & Spencers
Comes with belt shown A casual A-line skirt in a cool linen blend featuring a stripe panel design and finished with a flared hem

Petite A-Line Skirt with Belt, at MarksandSpencer
Smart and modern, this flared a-line skirt features stitch detail. A great work-to-evening style. Specially designed and perfectly proportioned for the petite frame

3 Tea Light Holders, at Marks n Spencer
Set of 3 Crystal cut design Dimensions: H4 x Diam 8cm, Manufacturer: Marks & Spencer

Girls' Limited Pointelle Hat & Gloves, at Marks & Spensers
Snug and cosy, this cute hat and gloves set is a fashionable choice for chilly weather

Pure Cotton Short Sleeve Floral Top, at Marks and Spenser
This fashionable top features a stylish floral design for a fab contemporary look

Silver Plated Crystal Stud Trio Earrings, at Marks & Spencers
3 pairs Crystal stud design Assorted colour For hygiene reasons, refunds will only be given in accordance with your legal rights

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