M&S Finance 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 Finance 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 & Spencers 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

• M&S Insurance: M&S Car Insurance, M&S Property 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 n Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Casa Leona Cabernet Sauvignon Reserve 2006 - Case of 12, at Marks and Spencers
Style: Full bodied Grape variety: Cabernet Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Floral Gift Card, at Mark & Spensers
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

2 Pairs of Wool Blend Long Argyle Socks, at Marks and Spencer
A wool blend makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Faux Fur Trim Hooded Jacket, at MarksandSpencer
Cute and cosy, this hooded jacket is made from soft fabric to keep her feeling comfy

Cuvée Cédric Mix - Case of 12, at Marks and Spencer
6 Cuve Cdric Chardonnay 2008: A generous and full-flavoured Chardonnay from the sunny south of France. Packed with juicy peach and pineapple fruit... 6 Cuve Cdric Cabernet Sauvignon 2008: Deeply coloured and spicy, this red blend is supple, ripe and lingering. A true reflection of Cabernet Sauvignon from the Languedoc... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Extra Large Rose & Lily Bouquet with 50% Extra Roses Free, at Marks n Spencer
Receive 50% extra roses free on orders until 22nd August 2009 An elegant combination of stunning oriental lilies, white and pink roses with red top cordyline and 100% more blooms than the Rose and Lily bouquetAvailable for delivery between 1st April to 30th September 2009

Autograph Pure Silk Spot Tie, at M&S
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

Cotton Rich Velour Hooded Jacket, at Marks & Spencer
Treat yourself to plush comfort with this super soft velour hooded jacket. Perfect for relaxing or exercising in style

Parisian Chic Calendar, at M&S
Approx. size: 225 x 390mm

Hard-top Non-Storage Divan & F200 Mattress, at Marks & Spencers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm 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 Mattress depth: 24cm Divan Height: 41cm Individually pocketed springs Deep layer of memory foam Mattress Spring Count: 930 Hard-top divan rigid, unsprung frame gives a firmer feel. Recommended for use with selected mattresses 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Pure Lambswool Grid Check Jumper, at Marks & Spencer
An extremely comfortable crew neck grid check design jumper. It's made from extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

5 Cotton Rich Floral Feature Full Briefs, at Marks & Spencer
Stylish and flattering, these full briefs give complete coverage at the front and back and are extremely comfortable to wear

Playmobil Equestrienne Toy, at Marks & Spensers
Suitable for ages 4+ Includes one horse, one minifigure and accessories This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Scooter Boy Age 5 Birthday Card, at Marks and Spenser
Cover Text: 5 today, HOORAY! Inside Message: Happy birthday! Approx size: 174 x 126mm

Seville Antique Brass Wall Mirror, at Marks & Spencer
Oval Shape, Manufacturer: Marks & Spencer

Per Una Styled Floral Embroidered Shorts, at Marks & Spencers
Feminine and delicate, these feminine shorts feature a floral embroidered design. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

2 Piece Pure Cotton Check Pinafore Outfit, at Mark & Spencers
A cute look in pure soft cotton, this coordinated outfit combines a top with check pinafore skirt. The pleat detail adds a pretty finishing touch

Sparkling Rosé - Case of 6, at Marks and Spencer
2 Rosado Cava Prestige Brut: Elegantly dry with a soft yet full flavour of summer fruits, clean and fresh with a good length... 2 Prosecco Raboso: A delightfully fresh and frothy Italian sparkling wine, with an appealing elegant pink colour, and fruity character of pears and cherry drops... 2 Bluff Hill Sparkling Ros: A lively, fruity, premium sparkling wine from New Zealand. Its sunny modern character really shines out... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ella Headboard, at M&S
Single: W90cm Single: Headboard: H105cm Double: W135cm King size 5ft: W150cm Super king size 6ft: W180cm Double, king-size and super king-size: Headboard H132cm Designed to fit most standard divans Mattress and divan sold separately Supplied with all fittings Please note: This bedstead is not suitable for children under the age of 6 years Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Wool Single Breasted 2 Button Stripe Jacket, at Marks & Spencer
Smart and contemporary, this suit is made from a special pure wool fabric for extra strength, comfort and durability

Blue Harbour Pure Cotton Chino Shorts, at Marks & Spencers
Think smart on those warmer days and nights with the design of these great value shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Autograph Styled Embroidered Shorts, at Marks & Spenser
Elegant and feminine these flattering shorts feature a delicate embroidered design. The modern low leg hipster styling gives a shapely fit. Beautiful exclusive lingerie

Fairtrade Maara Shiraz 2008 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Shiraz Country of origin: South Africa 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

Per Una Textured Jacquard Skirt, at Marks & Spensers
A fashionable knee-length skirt in soft textured fabric, the jacquard design make it extra stylish

England Activity Book, at Marks & Spencer
Grab your footy-mad pals and use your awesome cards to play the spectacular games in this book. With crosswords, quizzes, spot the difference and many more top footy activities, this is your chance to join Lampard, Beckham, Crouch and the rest of the England squad, as you challenge your team-mates to be the best

Sprung-Edge Divan with 4 Large Drawers & Autograph F500 Latex Pillowtop Mattress - Medium, at Mark's & Spencer
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm 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 Mattress depth: 29cm Divan height: H41cm Large drawers: H14 x W78 x D52cm Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Mattress spring count: 1225 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Easycare Long Sleeve Simple Stripe Shirt, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Single Breasted 2 Button Corduroy Jacket with Inner Gilet, at Marks & Spencer
A smartly tailored mock layer jacket in pure cotton

Pure Cotton Thomas & Friends© Top & Joggers Outfit, at Marks & Spencer
Fans of Thomas & Friends will love this 3 piece joggers outfit featuring the popular character Thomas the tank engine. Fun, practical and great value

Flock Letters Son Card, at Marks and Spencer
Cover text: Happy birthday son Inside message: Blank for your own message Approx size: 150mm x 150mm

Besides Mark's & Spencer Car Insurance, M&S Finance Credit Cards and other financial products, M&S Finance Property 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 Finance 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 and Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier Property Insurance and Standard Property 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.