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 & 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, 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 and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but Marks & Spenser 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 Financial Services 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 Property 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 (Property 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.

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 and Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spencer 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

Cut Flowers Scented Filled Candle, at Marks and Spenser
Cut flowers scented Glass holder Frosted glass design, Manufacturer: Marks & Spencer

Pavilion Cereal Bowl, at Marks & Spensers
Round shape Stripe detail Height 5.5 cm, diameter 16.5cm, Manufacturer: Marks & Spencer

Carrot Salad (Serves 8), at Marks & Spensers
Serves 8 Ready to eat Suitable for vegetarians 800g total weight As featured on page 28 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Autograph Floral Lace Thong, at Marks & Spencers
Delicate and feminine, this gorgeous string is made from the softest lace which looks and feels luxurious. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Spots & Butterflies Daughter Birthday Card, at M&S
Cover Text: To a special Daughter Inside Message: Happy Birthday Approx size: 175 x 125mm

Pure Cotton Cargo Pocket Belted Jeans, at Marks n Spencer
These cargo jeans look cool and casual and are made of comfy cotton

String Shade with Diffuser, at M & S
String shade Large: H22 x Diam 45cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Black & Decker® V6090CN 6V Chrome Dustbuster® Hand Vac, at Marks&Spencer
Rechargeable handheld vacuum cleaner 6v power volts Weight 0.95kg Wall mountable Includes crevice tool and upholstery brush For dry spills only 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

Sony VAIO VGN-P11Z Laptop, at Marks and Spencer
Processor: Intel Atom™ Z520 Processor, Supports Enhanced Intel SpeedStep Technology Processor speed: 1.33 (GHz) RAM: DDR2 SDRAM (1x2048MB on board) Screen: (Diagonal Size) 8" X-black LCD with LED technology with 1600 x 768 resolution Operating System: Genuine Windows Vista Home Premium Hard Drive: 60GB Ultra ATA/100, 4200 rpm Graphics card: Mobile Intel Graphics Media Accelerator 500 Memory stick slot: Memory Stick™ Duo, Memory Stick™ PRO Duo, high speed data transfer Digital camera: Built-in 'Motion Eye' Digital Camera, 0.3 Image Sensor (Mega Pixels) resolution 640x480 (VGA) and built in microphone Keyboard: Pointing Stick Shock Protection: G-Sensor HDD Shock Protection Interfaces: DC in x 1, Memory Stick™ Slot x 1, SD Card Slot x 1, USB Port 2.0 x 2, Audio out x 1, Port Replicator (dongle connector) x 1, Port Replicator Interfaces - GigaEthernet / VGA Port Connectivity: Built-in WWAN - Everywair Wireless WAN 7.2Mbps (HSDPA/HSUPA, UMTS, EDGE, GPRS), Wireless LAN Max. Data Rate (Mbps) 300 (RX)/ 150 (TX), Integrated Bluetooth (Version) 2.1 + EDR Battery: Lithium-Ion battery (VGP-BPS15/B) Battery Life (min) 165. Actual battery life will vary depending on your specific hardware and software configurations. Benchmark: MobileMark 2007 Video & TV software: WinDVD 8.0 for VAIO Audio software: Windows Media Player 11 Photo software: Google Picasa Office application software: Adobe Reader 8.1, Adobe Standard 8, Microsoft Office Ready 2007 (60 days Try & Buy) Security & other software: McAfee Internet Security Suite (with 60 days free virus updates), VAIO Recovery Utility - HDD recovery (hidden partition) Accessories included: AC Adaptor, Battery - VGP-BPS15/B, Power Cord, VGP-DA10 (Display/LAN Adapter) Dimensions: D 120 x H 19.8 x W 245mm Weight: Weight with Supplied Battery and Supplied Drive (kg) 0.638 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

Autograph Leather Soho Bag, at Marks&Spencer
Luxurious and beautiful, this chain handle bag is part of our exclusive Autograph collection. It's made from matt and glossy leather, and is useful and practical as well as being a highly desirable fashion accessory

Per Una Pure Cotton Embellished Bloom Camisole, at Marks & Spensers
A fashionable top in pure soft cotton with adjustable straps featuring a pretty floral print and crinkle finish

Flat Front Bootleg Trousers, at Marks and Spencer
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Hooded Rib Sleeve Padded Jacket, at Marks and Spenser
Ribbed long sleeve makes this little hooded jacket super cute. It's warmly padded and made from soft fabric to keep him comfy and cosy

Wool Rich Single Breasted 3 Button Jacket, at Marks and Spencers
Smart and contemporary, this suit is made from a special wool rich fabric for extra strength, comfort and durability

August Bouquet, at Mark's & Spencer
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses Available for delivery from 1st to 29th August 2009

Per Una Satin Front Frill 3/4 Sleeve Cardigan, at Marks and Spencer
A sophisticated knitted 3/4 sleeve cardigan featuring a satin front frill detail

Collezione Luxury Pure Wool Single Breasted 2 Button Jacket, at Marks & Spencers
Superior fabric, exceptional tailoring and careful attention to detail make this jacket stand out as a stylish modern classic. Its made from luxurious wool spun in one of Biella Italys world-renowned mills and crafted to the highest specification according to traditional Italian manufacturing methods

Autograph Weekend Cotton Blend Hooded Jumper, at Marks & Spencer
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Girls' Limited Pure Cotton Diagonal Zip Top, at Marks and Spenser
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 Stripe Shirt, at Marks & Spencer
Stylish and contemporary, this pure cotton stripe 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"

5 Shrug Style Long Sleeve Plain Bodysuits, at Marks & Spencer
Soft, plain and machine washable, these bodysuits are a perfect buy for your newborn

Underwired Leaf Appliqué Bra, at Marks and Spencers
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Autograph Exclusive Rainbow Stripe Bandeau Bikini Top, at Marks & Spencer
Luxurious and exclusive, this glamorous bikini top is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

M&S 22'' HD Ready LCD TV with Built-in DVD Player - Black, at Marks & Spencer
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device HD Ready: 1080i, 720p Display: 22 inch flat screen, 1680 x 1050 pixels Contrast Ratio: 700:1, Dynamic 3500:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H45.5 x W54 x D20.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in DVD player Use wall mount

Autograph Adjustable Floor Lamp, at Marks & Spenser
Adjustable Blackened chrome plated steel Round Base H132 x Diam 80cm Bulb: GX53 or 9W CFL, Manufacturer: Marks & Spencer

Chunky Weave Throw, at Marks & Spencers
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

Easycare Fine Stripe Short Sleeve Shirt, at Marks and Spenser
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Per Una Cotton Blend Gem Paisley Top, at Marks and Spencer
A stylish short sleeve top in a soft cotton blend featuring a gem paisley print and embroidered detail

Per Una Mock Layer Knitted Top, at Marks and Spencer
A smart 3/4 sleeve mock layer knitted top. The frill trim makes it extra stylish

Kodak Zx1 Pocket Video Camera, at Marks & Spencers
Sensor type: 1 / 4.5type 1.6 MP CMOS Lens: 4.1 mm, f/2.8, fixed focus Zoom: 2X digital Display: 2.0 in. LCD Storage: 128 MB internal memory*, SD/SDHC card expansion slot Focus system: fixed Focus modes: normal Focus range: 27.6 in. (70 cm)infinity White balance: auto Video capture: H.264 (MOV), AAC LC Video quality: HD60: 720p at 60 fps16:9; HD: 720p at 30 fps16:9 (default); VGA: 640 4804:3 Still format: JPEG Picture quality: 3 MP (stills, interpolated) Playback mode: FF & REW: 2X, 4X, 8X, 16X; slow motion FF & REW: 1/2X, 1/4X, 1/8X, 1/16X Microphone: mono Speaker: yes I/O interface: USB 2.0 (high speed); HDMI output; AV output; DC in; SD/SDHC card slot Tripod mount: 1/4 in. standard Power: KODAK Li-Ion Rechargeable Digital Camera Battery KLIC-8000; KODAK Lithium Digital Camera Battery CRV3; (2) Ni-MH Rechargeable Batteries; (2) Alkaline Batteries; DC-in for 5 V AC Adapter Dimensions: 5 11 2cm Weight: 90g (without batteries) Package contents: KODAK Zx1 Pocket Video Camera; (2) AA Pre-Charged Ni-MH Rechargeable Batteries; Battery charger; HDMI, AV, and USB cables; Wrist strap; Camera pouch; Designer cover; User Guide; On-camera software: ARCSOFT MEDIA IMPRESSION Software for Kodak (PC only) 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

When you're shopping at MarksandSpencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."