M&S Financial Services offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Motor Insurance is not like that at all, and when you compare M&S Motor 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 Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, 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 Motor 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.

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

Besides M+S Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services House 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 Marks and Spencer purchases are also protected while you take them home.

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

3 Pairs of Sheer Assorted Design Knee Highs, at Marks and Spenser
Treat your legs to a touch of style. These daisy net knee highs have a durable reinforced design to keep them looking good, wear after wear

Wool Blend Single Breasted 3 Button Jacket, at Marks & Spencer
Smart and contemporary, this suit is made from a special wool blend fabric for extra strength, comfort and durability

Watercolour Flowers Anniversary Card, at Marks and Spencer
Cover text: Happy Anniversary Inside message: With love Approx size: 175 mm x 125 mm

Classic Collection Pure Cotton Long Sleeve Nightdress, at Marks n Spencer
Fresh and feminine, this nightdress is made from soft breathable cotton so it feels comfortable to sleep in. The lace trim adds a pretty touch

Golf Keyring, at Marks and Spencers
You'll never lose your keys again with this eye-catching keyring and it's golf design

Pure Stripe Mug, at Marks and Spenser
Stripe design H10cm, Manufacturer: Marks & Spencer

M&S 1200W Steam Iron, at Marks and Spenser
1200 watt Adjustable temperature control Adjustable steam Vertical steam Transparent water reservoir Water spray Stainless steel soleplate Dimensions: H16cm 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

Pure Chronos II DAB Radio Alarm Clock, at Marks & Spencers
10 DAB and FM presets Automatically sets clock Scrolling LCD text display and dimmer FFSTN display for increased contrast Large digital snooze button Adjustable sleep timer 4 independent DAB, FM or tone alarm options 35mm headphone socket Dimensions: H6 x W19 x D17cm 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

125 Years Pure Wool 3 Button Stripe Jacket, at M & S
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Reversible Floral Print Hat, at Marks and Spencers
Keep your cool in this reversible sun hat, a summer and holiday essential

Stripe & Ring Waist Tankini Bottoms, at Marks and Spencers
Gorgeous and glamorous, these stylish tankini bottoms feature stripe waist band with ring detail. Designed to fit and flatter

Pure Cotton Ruffle Pintuck Top, at Marks and Spenser
This short sleeved top will make a useful addition to your wardrobe. It features smart pintuck details for a stylish casual look

Australian Chardonnay 2008 - Case of 12, at Marks & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians 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

Double Breasted Chunky Knitted Cardigan, at Marks & Spencer
Fashionable and flattering, this cardigan features front pockets. A glamorous modern look

Pure Cotton Floral Embroidered Duvet Cover, at Marks and Spenser
Floral embroidered design Frill detail Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Multi-Strand Stretch Bracelet, at Marks n Spencer
Multi-strand design Stretch style

Block Circle Design Mug, at Marks & Spencer
Block circle design Height: 10 cm, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Wooden Bead Cardigan, at Marks & Spencer
A cosy 3/4 sleeve cardigan featuring wooden beads

Dave Handmade 60 Card, at Marks and Spencer
Cover Text: Congratulations! 60 Inside message: happy birthday! Approx size: 125 x 177mm

Autograph Flock Stripe Low Rise Shorts, at Marks & Spensers
Stunningly stylish, these flattering shorts feature a delicate pleated skirt design. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Collezione Silk Blend Single Breasted Jacket, at Marks and Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Teichert Ranch Petite Syrah 2007 - Case of 6, at Marks and Spenser
Style: Full bodied Grape variety: Country of origin: USA Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per 125ml:10.5 Alcohol units per 125ml:1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Scatter Heart Drop Earrings Made with CRYSTALLIZED™ - Swarovski Elements, at Marks & Spenser
Hook fastening Heart pendant Faux jewel Scatter stone design Made with CRYSTALLIZED™ - Swarovski Elements

Freshfeet Pure Cotton Jumbo Cord Slippers, at Marks & Spencers
Round toe Textured finish Tartan style lining pattern 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

Portfolio Olive Leaf Stamp Print Blouse, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

2 Cotton Rich Plain Underwired Bras, at Marks and Spencer
Soft and comfortable, these non-padded bras are made from cool, breathable cotton rich stretch cotton. They're designed to give gentle support and a flattering fit

Hunter Valley Chardonnay 2008 - Case of 6, at M+S
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap 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

Classic Collection Velour Wedge Slippers, at Marks & Spencer
Treat your feet to the warm comfort of these velour wedge slippers. They're a terrific option for lounging around the home in cosy style

Stainless Steel Potato Ricer, at Mark's & Spencer
Stainless steel, Manufacturer: Marks & Spencer

Pure Cotton Square Bib Top, at Marks & Spencer
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

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 Motor 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; Motor Insurance and House 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 House 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.