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 Marks & Spensers 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 Direct:

• 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks & Spencer Standard Car Insurance. With M&S 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 M&S 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 and 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 Finance, you get more, and you pay less.

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 Property 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 Property 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.

Die Cut Duckling New Baby Girl Card, at Marks and Spencer
Cover Text: New baby Inside Message: Congratulations Approx size: 150 x 150mm

2 Easycare Long Sleeve Assorted Shirts & Tie Set, at Marks and Spencers
Smart style for less! This pack of 2 assorted shirts and tie set is outstanding value

Animal Print Cardigan, at Marks and Spencer
Fun and fashionable, this cotton blend cardigan features an animal print design. A cute, practical and easycare style

Autograph Light Control Lace Body, at M & S
Look slimmer in seconds! This light control body gently shapes your figure all over for a smoother, sleeker silhouette. Beautiful exclusive lingerie

Sketchy Bear Mum Birthday Card, at Mark's & Spencer
Cover text: To a wonderful Mum Inside message: Blank for your own message Approx size: Unfolded: 178 x 126mm

4 Pairs of Autograph Bold Stripe Socks, at Marks n Spencer
Modern and fashionable, these stripe socks are part of our exclusive Autograph collection

Fenton 2-Seater Sofa, at Marks and Spencer
H90 x W188 x D103cm Seat H51cm, arm H63cm, top back rail H76cm (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 Solid birch feet with dark finish All sofas include 2 arm bolsters 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 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

Lightweight Paisley Print Scarf, at M+S
Add a fashionable finishing touch to your look with this elegant paisley print scarf. The perfect accessory to this season's styles

Limited Collection Border Studded Leggings, at Marks&Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Pure Cotton Oxford Wide Stripe Shirt, at Mark & Spencers
Stylish and innovative, this wide stripe easycare shirt is quick and easy to iron for a smart crisp look

Mummy's Day Love Lane Sheet Wrap Pack, at Marks & Spencer
Contains: 2 sheets, 2 tags Approx size: Each sheet: H695 x W495mm

Cotton Rich Chunky Knit Cardigan, at Marks and Spenser
Contemporary and casual, this long sleeve cardigan is made with cool comfortable cotton and features a chunky knit for a fashionable look

Autograph Short Sleeve Bow Top, at Mark & Spensers
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.

Dotty Daisy and Pink Dress Mum Birthday Card, at Marks & Spencer
Cover text: Happy Birthday Mum! Inside message: With lots of love Approx size: 230 mm x 114 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

MoDA Café Scene Bamboo Paper Blank Card, at Marks&Spencer
Cover text: Blank Inside message: Blank for your own message Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet! Approx size: 150 x 150mm

Recycled Anti-Allergy Mattress Protector, at Marks & Spenser
Perfect for allergy sufferers, providing effective protection against dustmite allergies Proven protection wash after wash Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

2 Pairs of Older Girls' Cotton Rich Assorted Knee High Socks, at Marks & Spencer
Fun and fashionable, these cotton rich knee high socks feature assorted designs

Single Wick Filled Candle, at Marks & Spenser
Coloured glass holder Single wick, Manufacturer: Marks & Spencer

Charlotte Large 2-Seater Occasional Sofa Bed, at Marks and Spencer
H94 x W184 x D96cm (extends to L242cm) Seat H50cm (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 Mattress: 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 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 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 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Floral Print Ruffle Sleeve Top, at Marks and Spenser
This short sleeved top will make a useful addition to your wardrobe. It features a pretty floral print for a stylish casual look

Detroit Trunk Coffee & Side Table Set, at M&S
Trunk coffee table: H50 x L100 x W55cm Side table: H56 x W50 x D50cm Top of coffee table opens to reveal storage Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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 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, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Mr Grumpy Pyjamas, at M&S
Fun and fashionable, these pure cotton long sleeve mr grumpy pyjamas feature a motif print

Half Frame Reading Glasses, at Marks and Spencer
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Half frame design

2 Per Una Clover Embroidered GG-J Bras, at Marks and Spencer
Fresh and feminine, these bras are beautifully embellished with clover embroidery. They're underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Long Sleeve Graphic Print Shirt, at Marks & Spensers
This fab long sleeve shirt features a stunning graphic print design. A vibrant new look, perfect for this season

Perfect Stormwear™ Single Pleat Trousers, at M+S
The perfect go-anywhere trousers, with a water repellent Stormwear finish and Lycra for added stretch and comfort

7 Pair of Freshfeet Stripe Sole Socks with Silver Technology, at Marks & Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Ceriso Floral Print Shorts, at Marks&Spencer
Fashionable and flirty, these modern shorts feature a floral design and centre bow. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

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

Altos del Condor Malbec 2008 - Case of 12, at Marks&Spencer
Style: Full bodied Grape variety: Malbec Country of origin: Argentina 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

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 & Spencer 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.