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 and Spenser 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, Sainsburys, 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 M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Car Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (Buildings Insurance, Car Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencer insurance products in document format too.

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

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

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

Pure Cotton Short Sleeve Car Check Shirt, at Marks & Spencer
Fashionable and versatile, this cotton short sleeve shirt is perfect for smart-casual dressing and looks great layered over a t-shirt

Music Keyring, at Marks & Spensers
You'll never lose your keys again with this eye-catching keyring and it's music design

Blue Harbour Classic Pure Cotton Funnel Jacket, at Marks & Spenser
A contemporary design makes this jacket a fashionable choice

7 Pure Cotton Full Briefs, at Marks & Spensers
Offering practical, everyday convenience thanks to an easy to care for cotton fabric, a low leg cut and high waist helps provide a truly flattering fit to these great value briefs

BT Studio 3100 Trio Cordless Phones, at Mark & Spencers
50 name and number phonebook Assign melodies to specific phonebook entries Caller display with up to 40 number calls list Call waiting 10 last number redial and recall Secrecy facility allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options Keypad lock Preparatory dialling and paging Talk time up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 meters outdoor/50 meters indoors Switchboard compatible Tone and pulse dialling and dialling pause GAP compatible (register up to 4 handsets to one base) - internal calls, call transfer, 3-way calling Includes: 3 phones and matching bases, 6 rechargeable batteries, 3 mains power adaptors, 3 telephone line cords 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

Older Girls' Snowflake Print Wellie Boots, at Mark's & Spencer
Wellie style Round toe Snowflake print Low heel Buckle fastening Lined

Nokia 2630 - Orange Pay as you talk Mobile Phone, at Marks & Spencer
A maximum of 2 phones per customer may be purchased Talk Time: Up to 6 hours Stand-by Time: Up to 320 hours Screen: 128 x 160, TFT with up to 65,536 colors Ringtones: Pre-installed MP3 and 24-voice polyphonic MIDI ringtones Camera: 4x zoom Battery: Nokia battery BL-4B, 700mAH Dimensions: L10.4 x W4.5 x D0.9cm Weight: 66g (with battery) Memory 11 MB user available memory Radio: FM radio with One Touch shortcut access key Video: Video recorder with dedicated button Applications and games: Native email, converter, calculator, world clock, download, Nokia FM radio Email Access your work and private email on the move Messaging: SMS and MMS Included in the box: Nokia Travel Charger AC-3, Nokia stereo headset HS-47 and Nokia 230 handset

Blue Harbour Pure Cotton Straight Leg Jeans, at Mark's & Spencer
Relaxed and comfortable, these pure cotton straight leg jeans give a fashionable casual look

Green Floral Cushion, at Mark & Spensers
L30 x W50cm Floral embroidered design Pure Cotton Rectangular shape, Manufacturer: Marks & Spencer

Dualit Vario 6 Slot Toaster - Cream, at Marks and Spencers
Hand built in England - as identified by the individual assembler's mark on the base plate Designed for use in commercial kitchens Patented, award-winning ProHeat elements Mechanical timer to control toasting Capacity 2, 4 or 6 slices Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Adjustable inner wire guard to grip toast Replaceable/ repairable parts Easy cleaning with a stainless steel cover High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Concealed crumb tray Adjustable rear foot Dimensions: W46 x H21 x D22cm Weight: 5.1kg 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

Autograph Veneto Glass Dining Table, at Marks & Spencer
H73 x D120cm Seats 4 - 6 people Chrome base Top made from toughened clear safety glass Delivered flatpack due to size 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 SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Autograph Veneto Collection Set. , Manufacturer: Marks & Spencer

Play Toaster, at Mark's & Spencer
Suitable for ages 3+ years Includes 2 pieces of 'toast' Movable dial and lever Height: 25cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Leather Contrast Stitch Purse, at Marks & Spencers
This stylish purse is made from real leather with reinforced stitching and a secure popper fastening. A high quality and chic essential

St Hallett Unearthed Shiraz Durif Tempranillo 2006 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Shiraz, Durif, Tempranillo Country of origin: Australia Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 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

Blue Harbour Floral Side Panel Swim Shorts, at Marks and Spenser
Practical and fashionable, these swimming shorts give a comfortable, flattering and secure fit

Limited Collection Cotton Rich Spot Vest & Shorts Set, at Marks and Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Per Una Frill Wedge Court Shoes, at Marks and Spencers
Almond toe Frill design Slip on Wedge heel

7 Pairs of FreshFeet Stripe Socks with Silver Technology, at M+S
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

Linen Blend Traditional Flat Cap, at Marks & Spencers
A traditional British classic, this is a versatile style that looks great worn smart or casual

Older Boys' Pure Cotton Outback Hat, at Marks & Spencers
Sun protection gets stylish with this outback style hat

Sonoma Light 5 Drawer Chest & 2 Bedside Chests Set, at Mark's & Spencer
3 piece set 5 drawer chest: H88 x W90 x D50cm Bedside chests: H60 x W45 x D45cm Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid white oak and veneer Side and back made from soli 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 manufacturer's 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 Wool Single Breasted 2 Button Plain Jacket, at Marks & Spensers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Older Boys' Pure Cotton Bart Simpson Football Shorties, at M+S
A must for fans of The Simpsons, these pyjamas feature Bart playing football

Autograph Weekend Short Sleeve Floral Blouse with Silk, at Marks & Spencers
Sophisticated and modern, this short sleeve blouse is beautifully designed and cut for a flattering shape and features a stunning floral print

Wallace & Gromit Double Sided 500 Piece Jigsaw, at Marks & Spencers
Number of jigsaw pieces: 500 Double sided Approx. size of completed puzzle: 960 x 170mm 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

Bourne Supremacy Blu-ray DVD, at MarksandSpencer
Rating Suitable for 12 years and over,

Autograph Stainless Steel Bar Tray, at Marks&Spencer
Diameter: 39cm Circular shape, Manufacturer: Marks & Spencer

M&S Quick Pitch Floral Pop Up Tent, at Marks & Spensers
Take some of the hassle out of camping with this handy pop-up tent. There's no assembly required, you simply twist and the tent pops open. It fits two people and packs flat into a carry case so it's easy to store and carry. With its unique single skin design camping has never been easier

Crossover Strap Sandals, at Marks & Spencer
Crossover straps Stitch detail

50/50 Bed Linen - Bed Set with Reversible Pillowcase & Duvet Cover, at Mark & Spensers
Single set: Duvet cover, 1 fitted sheet, 1 pillowcase Double set: Duvet cover, 1 fitted sheet, 2 pillowcases King Size (5ft) set: Duvet cover, 1 fitted sheet, 2 pillowcases Single set: Duvet cover - L198 x W137cm, fitted sheet - L190 x W91cm Double set: Duvet cover - L198 x W198cm, fitted sheet - L190 x W137cm King Size (5ft) set: Duvet cover - L218 x W228cm, fitted sheet - L200 x W152cm Fitted sheet depth: 25cm Pillowcase: L76 x W48cm Plain dye bed linen Easy to iron Plain fabric (no design) Reversible pillowcase and duvet cover Care instructions: Machine washable, Tumble dry Composition: 50% cotton, 50% polyester, Manufacturer: Marks & Spencer

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 Spenser 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 M&S Financial Services 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 M&S Financial Services Buildings Insurance than you will anywhere else, and you may even pay less with M&S.