Marks & Spencer 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 & Spencer 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 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, Sainsbury's, 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer Standard Car Insurance. With Marks & Spencer 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 & Spencer Money, which also has other features.

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

Marks & Spencer 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 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Tiny Fairies Nan Birthday Card, at M & S
Cover Text: To my lovely Nan, You mean such a lot to me xx Inside Message: Hope that your birthday is as special as you are xx Approx. Size: 178 x 126mm

Wool Rich Coat, at Marks & Spenser
Smart and stylish, this superior quality coat is made from a hardwearing wool rich blend and is fully lined

Humbug Bead Necklace, at Marks & Spencers
Clasp fastening Multiple bead design Necklace length 41cm, extendable by 8cm

Portfolio Brush Stroke Scarf, at Marks & Spencer
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The brush stroke detail adds a stylish finishing touch

Pure Cotton Spot Print Cropped Pyjama Bottoms, at MarksandSpencer
Pretty and feminine, these spot design pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Domaine Bois d'Yver Chablis 2007 - Case of 6, at M & S
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 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

Sony 40'' KDL-40E5500 Full HD Ready Picture Frame LCD TV, at Marks & 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

Autograph Copper Base 16cm Saucepan, at Marks n Spencer
Stainless steel for maximum durability and shine Glass straining lid Riveted handles with silicone inserts for comfort and safety Twin pouring lips for left and right-handed cooks High performance copper base for even heat distribution Diam 16cm Capacity: 1.4 litre Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Long Length Stitch Detail Skirt, at Marks and Spenser
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

Pure Merino Wool Mock Layer Jumper, at Marks & Spenser
Smart and stylish, this mock layer jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

Portfolio Linen Blend Wrap Tie Cardigan, at MarksandSpencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Pure Cotton Matinee Cardigan, at Marks & Spencer
Knitted in pure cotton, this cute hooded cardigan will keep them warm and comfy. It looks cuddly too!

Oxford Toe Cap Brogue Shoes, at Marks and Spencer
Round toe Punch apron detail Toe cap design Lace up Block heel

Linen Blend Origami Design Skirt, at M&S
The pretty stitch detail and flattering fit on this cool skirt with linen adds an extra feminine touch to a summer classic

2 Pure Cotton Assorted Shorts, at Marks & Spencer
Stock up on essentials for less! This great value pack of 2 shorts is comfortable, practical, fashionable and easycare

Pacific Coffee Table, at Marks and Spenser
H42 x W76 x D76cm Handwoven in natural pandan leaves around a solid wooden frame Solid wood feet with glides With toughened glass top This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

2 Limited Collaction Cotton Rich Spot & Plain Shorts, at Marks & Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pure Wool Fine Stripe Rug, at Marks&Spencer
Rectangle shape Stripe design, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Crochet Jumper, at Marks and Spencer
Comes with necklace shown in image A fashionable knitted jumper featuring 3/4 length sleeves, the crochet neckline design gives it the Per Una touch

3/4 Sleeve Scoop Neck Tunic, at Marks & Spencer
Pretty and feminine, this scoop neck tunic features a pintuck shoulder detail

Spot Print Satin Chemise, at Marks and Spencer
Feminine and elegant, this sleek satin nightdress feels comfortable and gives a flattering fit. A gorgeous, glamorous look

2 Alton Scroll Back Antiqued-Leather Chairs, at Marks and Spencers
H103 x W55 x D66cm Upholstered in antiqued-leather Sold as a pair Solid oak Scroll back 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Body Low Rise Sheer Lace Shorts, at Marks & Spencer
Pretty lace merges with a sleek low rise cut on this flattering set of shorts. Added stretch ensures durable and shapely comfort

Autograph Loretto 2 Right-Hand Chaise & Coffee Table/Footstool Set, at Marks & Spenser
3 piece set - 2 chaise longue and 1 combination Coffee Table/Footstool Coffee Table/Footstool has a removeable top cushion. Can be used as a footstool or a coffee table All-weather synthetic rattan Silver-effect rattan Quick drying seat pads in 100% polyester Chaise dimensions: H62 x W200 x D97.5cm, seat H30.5cm Coffee table/Footstool dimensions: H30.5 x W80.5 x L80.5cm Suitable for indoor or outdoor use *Save 30% when you buy this set. Individually 2047. Save 648. Cannot be used in conjunction with any other offer This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

The Patriot Blu-Ray DVD, at Marks & Spenser
Rating Suitable for 15 years and over,

Per Una Diffused Check Panel Skirt, at M&S
A fashionable mid calf length skirt featuring diffused check design and tape detail

Cotton Rich Bootleg Boyfriend Jeans, at MarksandSpencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Maxim 4-Slice Toast Rack, at Marks and Spencers
Suitable for everyday use Can hold up to 4 pieces of toast Versatile fine dining range Pure white porcelain H7 x W8cm, Manufacturer: Marks & Spencer

Serveware - NEW LARGE BOWL, at MarksandSpencer
Manufacturer: Marks & Spencer

Per Una Essentials Seersucker High Leg Knickers, at M&S
Fresh and feminine, these stylish knickers are made from soft stretch lace. The high leg style gives a flattering long-legged look. Pretty everyday fashion

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 Spencer are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks & Spenser 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, Home Insurance policies. Usually, UK Home 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 & Spencer Money Home 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 & Spencer Money Home Insurance than you will anywhere else, and you may even pay less with M&S.