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 n 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 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

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

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 Financial Services financial products are, of course, designed to make Marks and 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, 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 M&S Financial Services 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 M&S Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

Blue Harbour Pure Cotton Jeans, at Marks&Spencer
Smart casual style at a great value price! These pure cotton jeans make a comfortable and fashionable choice

Lichfield 5-Drawer Tall Chest & 2 Bedside Chests Set, at Marks & Spencer
5-drawer tall chest: H119 x W66 x D50cm Bedside chests: H60 x W50 x D50cm Bedside chests have 3 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with 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 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich Lace Trim Brazilian Knickers, at Marks & Spensers
Brazilian briefs are the newest trend in knicker shapes with their flirty cutaway styling at the front and back. These flattering lace trim knickers are designed to make the most of your figure

Bubble Fan, at Marks & Spensers
Bubble solution and dip tray included Double bubble blower Recommended for age 3 to 6 years This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Linen Blend Short Sleeve Embroidered Shirt, at Marks & Spencer
Stylish and contemporary, this embroidered shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Classic Collection Fleece Gilet with Detachable Faux Fur Collar, at MarksandSpencer
Add a cosy extra layer with this modern gilet. Fashionable as well as practical, it will keep you warm and comfy without compromising on style.

Inspire Eau de Toilette 100ml, at Marks & Spenser
Floral fragrance 100ml This product is not available for international delivery. Find out more

Pure Cotton Hooded Sweat Top, at MarksandSpencer
Casual and comfortable, this hooded top is made from pure cotton. A fashionable easycare style, ideal for PE

M400 Mattress - Firm, at Marks & Spenser
Single (3ft): W90 x L190cm Double (4ft 6in): W135 x L190cm King Size (5ft): W150 x L200cm Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning 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

Square Neck Abstract Print Top, at M&S
This fab short sleeve top features a stunning abstract print. A sophisticated new look, perfect for this season

Knee Length Flared Belted Skirt, at Marks & Spencer
Sleek and stylish, this flared skirt makes a fashionable, flattering choice. A glamorous modern look

Rosso di Puglia 2008 - Case of 12, at Marks & Spencer
Style: Full bodied Grape variety: Primitivo and Negroamaro Country of origin: Italy 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

Fron Male Voice Choir - Voices of the Valley Home CD, at Marks & Spensers
Audio CD, Marks & Spencer

5 Pure Cotton Plain Midi Knickers, at Marks & Spencer
Made from pure natural cotton, these plain briefs are cool, comfortable, breathable and perfect for everyday wear

Girls' Limited Cotton Rich Ruffle Skirt with Leggings, at Marks & Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Autograph Pure Cotton 3 Piece Tank Top 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

Hepworth 7-Drawer Tall Chest, at Marks and Spencers
H111 x W50 x D54cm With 7 drawers Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Side and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Silk Taj Mahal Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Silver Plated Etched Heart Bangles, at Mark's & Spencer
Etched detail on heart 3 bangles linked with charms Gift boxed

My First Puppy Camera, at Marks & Spencer
Interactive camera toy Fun camera sounds 'Say cheese!' voice feature Puppy picture Batteries included H13 x L17cm Suitable for ages 0-3yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Sonoma Extending Dining Table & 6 Alton Antiqued-Leather Chairs Set, at Marks and Spencer
7 piece set Table: H76 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Chair: H99 x W46 x D56cm Made from solid walnut with fabric seat Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Side and back made from White Oak veneer Top panel is veneered with 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 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Long Sleeve Stripe Oblong Cardigan, at Marks n Spencer
Elegant and feminine, this oblong cardigan is made with comfortable breathable cotton. A modern style essential

Rosina Large 2-Seater Occasional Sofa Bed, at Marks and Spencers
H85 x W196 x D97cm (opens 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 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 Mattress: L180 x W130 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 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

Pure Cotton Scoop Button Neck Jersey Top, at Marks n Spencer
Bring some casual elegance to your wardrobe with this 3/4 sleeve jersey top featuring button detailing at the neckline giving it an extra stylish twist

Autograph Merano Chaise (Right-Hand Arm), at M&S
H84 x W176 x D100cm Seat H47cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 have 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 Glide 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 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 This product is not available for international delivery, Manufacturer: Marks & Spencer

Linen Blend Tie Waist Panel Skirt, at Marks & Spencers
Casual and contemporary, this linen blend skirt is a look you'll love. Stylish, practical and fashionable. When you buy the black colour, 30% of the price of this product is donated to Breakthrough Promotions Ltd

M&S 'Perfect A Putt' Putting Aid, at M+S
Improve you ability to putt with this putting aid, aim towards the target as you would with a real hole and if the pace and direction of the putt is correct, the ball will push through the trapping system and will be retained. This is a great way to improve your putting technique when ever you have some time to spare

Seville Antique Brass Soap Dish, at Marks&Spencer
Oval dish Wall mounted H6 x W14 x D13.3cm, Manufacturer: Marks & Spencer

Formula Calming Eye Make-Up Remover Pads (30), at Marks & Spencer
Pack of 30 Calming formula

Jarhead Blu-Ray DVD, at Marks & Spencers
Rating Suitable for 15 years and over,

Besides M&S Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Home 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 M&S purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.