Marks & Spencers 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 & Spencers 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:

• 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 & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

Besides Mark's & Spencer Car Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings 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 Marks & Spencers Money 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 & Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings Insurance and Standard Buildings 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.

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

Portfolio Leather Belt, at Marks and Spencer
Define your waistline with this fashionable leather belt

2 Pure Cotton Assorted Tops, at Marks and Spenser
Cute and practical, this pack of 2 tops is outstanding value. The soft cotton fabric will keep him feeling comfy

Perez Burton Rioja 2005 - Case of 6, at Marks and Spencer
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Bottle: 6 x 75cl. Suitable for vegetarians 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

North Coast Pure Cotton Shadow Check Shirt, at Marks & Spensers
Relaxed and stylish, this shadow check shirt is made from pure cotton so it feels soft and comfortable to wear

Hooded Faux Fur Trim Gilet, at Marks and Spencers
Comfortable and practical, this warmly padded gilet jacket features a hood. Great for keeping out the chills

Perfect Boyfriend Style Cardigan, at Marks & Spencers
Everyone's favourite style is back. We've updated our boyfriend cardi for this season, in a couple of different lengths. Enjoy!

Lavender Refresher & Burner Oil, at Marks & Spensers
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Classic Butterfly Wife Wedding Anniversary Card, at Marks & Spencers
Cover text: For my Wife On our Anniversary Inside message: With all my love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 125 mm

Silver Plated Abalone Tri-Strand Necklace, at Marks & Spenser
Tri-strand design Abalone nugget Assorted multifaceted beads Length: 41cm This product is not available for international delivery. Find out more

Chuggington Story & Sticker Activity Book, at Marks and Spencer
Wilson's too scared to get his damaged wheel fixed. But soon the red chugger can't ignore the problem any longer. Maybe the repair shed won't be so scary after all.. Once you've read the story, complete the activity pages at the end of the book. Within stickers of all your favourite friends

Freedom Ridge California Pinot Grigio 2008 - Case of 12, at Marks & Spencers
Style: Full bodied Grape variety: Pinot Grigio Country of origin: California Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Pure Cotton Turn Up Jeans with Belt, at Marks & Spensers
Turn up feature gives a modern twist to these fashionable jeans

2 Pairs of Cotton Blend Knee High Socks, at Marks & Spencer
These cotton blend knee high socks make a comfy and warm way to add a touch of style to this season's outfits. Added stretch and a reinforced toe gives durability and comfort

Oriental Flower Gift Card, at Marks and Spencers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Pair of Rosemary Trees, at Marks and Spenser
This pair of herb trees will look stunning on a patio or doorstep and provide delicious flavours in cooking Available for delivery until 30th September 2009

5 Pure Cotton Racoon Bibs, at M&S
Cute and practical, this handy pack of 5 cotton bibs is great value

Younger Girls' Heart Print Sunglasses, at M+S
Fun and fashionable, these heart shape sunglasses give 100% UV protection for safer style in the sun

Collezione Wool Rich Flat Front Plain Trousers, at Marks and Spenser
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

Single Breasted 2 Button Plain Jacket, at Marks and Spencer
Boasting a sophisticated cut and quality fabrics at everyday prices, impeccable styling needn't cost the earth, with our impressive Outstanding Value suits range

Pure Cashmere Floral Embroidered Cardigan, at MarksandSpencer
Knitted in pure cashmere, this pretty embroidered cardigan will keep her warm and comfy. It looks cuddly too!

Machine Washable & Tumble Dry Single Breasted 2 Button Black Stripe Jacket, at Marks & Spensers
Put an end to tiresome trips to the dry cleaners. Our range of machine washable and tumble dry suits combine the best in convenience and contemporary style

Platinum Plated Princess Cut Sparkle Stud Earrings, at Marks and Spencer
Princess cut Sparkle effect Butterfly fastening Platinum plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Wide Fit Leather Toe Cap Shoes, at Marks and Spencer
Wide fit Round toe Stitch detail Lace-up 5 eyelets Block heel

Stormwear™ Cotton Rich Multi Pocket Parka, at Mark's & Spencer
Fashionable and practical, this multi pocket parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Perfect 125 Years Leather Classic Brogue Shoes, at Marks & Spenser
Pointed toe Punch feature Stitch detail 5 eyelets Lace-up Block heel

Disney Fairies' Shimmering T-Shirt, at Marks and Spencers
Suitable for ages 5+ Pack of 2 Contains a t-shirt with pretty pre-printed tink design and instructions Develops creativity This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Perfect Autograph Silk Rich Padded Pleat Bra, at Marks & Spencers
Glamorous and sophisticated, this luxurious bra is made from soft stretch silk, finished with a lace trim. Gentle padding and underwiring give a flattering uplifted shape. Beautiful exclusive lingerie

125 Years Cheery Families Game, at Mark & Spencers
Cheery families game Vintage style images Boxed, Manufacturer: Marks & Spencer

Finger Sandwich Selection, at Marks and Spencers
Contains 20 pieces Serves 4-6 5 different fillings Ready to eat As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Cotton Rich Colour Block Sleeveless Dress, at M+S
Chic and stylish, this sleeveless dress makes a great choice for work or smart occasions

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