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 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 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 and Spenser 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 M&S, 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 Money, you get more, and you pay less.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers online store. Here are just some of the financial products which can be purchased via the M+S Money 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 and Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

Suede Sprung-Edge Divan with 2 Small & 2 Large Drawers, at Marks & Spensers
Double (4ft 6): W135 x L190cm King size (5ft): L150 x W200cm Super king size (6ft): L180 x W200cm Divan height: H41cm Sprung-edge divan - Can be used with any mattress Solid wooden frame Small drawers: H14 x W40 x D52cm Large drawers: H14 x W78 x D52cm Small drawers at the head end are designed to open without moving your bedside table 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

Light-up Groovy Grandad Birthday Card, at Mark & Spensers
Cover text: Grandad Happy Birthday Inside message: Have a great day! Approx size: 215 x 150mm

Footglove Leather Toe Post Mules, at Marks & Spencers
Open toe Stitch design Buckle feature Notched

Long Sleeve Zip-Up Hooded Jacket, at Marks and Spencer
Cute and cosy, this hooded jacket is made from soft fabric to keep him feeling comfy. Part of our fabulously stylish Limited Collection

Leather Tramline Riptape Shoes, at Marks & Spenser
Tramline design Square toe Stitch detail Riptape fastening Ruched feature Grip sole

Autograph Luxury Leather Accent Laptop Bag, at Marks and Spenser
This padded laptop bag in luxurious leather makes a stylish and practical way to carry and protect your laptop and cables

2 Mosaic Stackable Chairs, at Marks & Spensers
H96 x W56 x D56cm Seat: 44cm Sold as a pair Seat cushion made from shape-retaining foam Metal frame Diamond pattern mosaic design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Kitchen Tall Storage Unit, at Marks and Spencers
H177 x W50 x D60cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Girlie Dress Up Jotter Box, at Marks & Spenser
Contains: 1 jotter box and 1 pad of notepaper H11.3 x W11.2 x D9cm

Perfect Long Sleeve Henley Neck Jumper, at Marks and Spencer
Your autumn wardrobe wouldn't be complete without one of these. The buttoned Henley neck gives a pretty, feminine finish

M&S Food Mixer with Bowl, at Marks and Spencers
5 speeds 300 watt Turbo function Eject button Stainless steel bowl Dough hooks and beater Dimensions: H35cm. Bowl diam: 22.5cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of Older Boys' Assorted Design Socks, at M & S
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton blend fabric

Cuvée Cédric Chardonnay 2008 - Case of 12, at Marks & Spencer
Grape variety: 100% Chardonnay Country of origin: France Closure: Screw cap 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

Padded Stitch Free Bra, at Marks and Spencer
This smooth streamlined bra is stitch free and bonded for a no-show look under clothes. Light padding and underwiring give an enhanced natural shape

Freshfeet Quilt Lined Mule Slippers, at M & S
Round toe Quilt lined Flat sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Long Sleeve Fair Isle Hooded Dress with Wool, at Marks and Spencer
Fashionable and practical, this cute dress features a fair isle design. It's made from soft fabric to keep her comfortable and happy

2" Longer Pure Cotton Sateen Stripe Shirt, at Marks & Spencers
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

Recycled Hollowfibre Outstanding Value 4.5 Tog Duvet, at Marks & Spensers
4.5 tog The coolest of all duvets, designed for summer use Non-allergenic Highest quality hollowfibre filling Pocket construction for even warmth 100% cotton cover and 230 thread count Soft & comfortable Comes in single, double and king sizes Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Sony Bravia 46" KDL-46W5500 HD 1080p LCD TV, at Marks and Spencer
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 46 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 100000:1 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) Dimensions: With table stand: W112.3 x H77.2 x D33cm, without table stand: W112.3 x H72.5 x D9.6cm Weight: weight inc. stand 27.5kg, weight without stand 24kg 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 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 Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, 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 Xross Media Bar: New Sony interface to enhance the operability and ease of use 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 M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Laser Cut Fuchsias Daughter-in-Law Birthday Card, at Mark's & Spencer
Cover text: Happy Birthday to a Very Special Daughter-in-law Inside message: Blank for your own message Approx size: 175 x 126mm

Pure Cotton Camouflage Hooded Top, at Marks and Spencers
Relaxed and casual, this comfortable hoodie is made from pure cotton and features a stylish camouflaged print. A great value easycare style

Autograph Leather Centre Seam Slip-On Shoes, at Mark's & Spencer
Square toe Center seam feature Slip-on Low block heel Comes in sizes 6-12, including half sizes

5 Younger Boys' Football Socks, at Marks&Spencer
Fun and fashionable, these comfy cotton rich socks features a football design

Portfolio Slinky Parisienne Necklace, at Mark's & Spencer
Clasp fastening Adjustable length Mixed bead design Slinky parisienne style Multi strand feature Necklace length 81cm, extendable by 8cm

Dolly Mix Bedset, at Marks and Spenser
Co-ordinate with 50/50 pink plain dye sheets and pillowcases strokes T352101F,T352101S,T352101P,T352101V Doll print, Manufacturer: Marks & Spencer

Mongolian Sheepskin Cushion With Recycled Filling, at Marks and Spencers
Square shape Plain Dimensions: 43cm x 43cm, Manufacturer: Marks & Spencer

Make Your Own Watch Set, at Marks & Spenser
Suitable for ages 5+ Adult supervision recommended Set includes: 5 changeable faces & 7 different straps This product conforms to the EN71 and the Toy Safety Directive M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information, Manufacturer: Marks & Spencer

Côte Rôtie 2006 - Case of 6, at Marks n Spencer
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

White Pearl Damask Place Cards - Pack of Ten, at Marks and Spencer
Contains: 10 cards, 1 design Approx size: Flat: 90 x 90mm Approx size: Folded: 45 x 90mm

Blue Harbour Classic Quilted Heritage Jacket, at Marks and Spencers
A contemporary design makes this jacket a fashionable choice

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.