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 Spencers 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while M&S once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks and Spencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at M&S Financial Services 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 Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S Home 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 & Spenser, 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.

Cherry Stoner, at Marks & Spencers
Length 16cm Hand held design This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Humorous Photo Valentine Card, at Marks & Spencer
Cover text: To my Valentine... It was Bob's 'selective' deafness that kept the relationship so strong over all the years! Inside message: Valentine... Please grow old with me, The best is surely yet to be! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Collezione Pure Wool Single Breasted 3 Button Jacket, at Marks and Spencer
Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other.

Laser Cut Champagne Flutes Wedding Card, at Marks and Spencer
Cover text: a toast to love, wedded bliss, together husband & wife, wedding, Love cherish, celebration, forever, true love, romance, happy couple, On you wedding day Inside message: With love on your special day Approx size: 230 x 114mm

Baby Girls' Owl Motif Pram Shoes, at Marks & Spencer
Round toe Owl motif Slip on Elasticated back Flat sole

Autograph Cashmere Blend Pashmina Scarf, at Marks and Spencer
Vamp up any wardrobe basic with this on-trend pashmina

Long Length Seam Skirt with Belt, at MarksandSpencer
Smart and modern, this flared skirt is a stylish, versatile choice. A look that works dressed up or down

Mary Poppins 45th Anniversary Edition DVD, at Marks and Spencers
Rating Universal, suitable for all,

2 Piece Cotton Rich Floral Dress Outfit, at Marks and Spencers
Modern and pretty, this sleeveless dress and cropped plain leggings look fabulously fashionable worn together or separately

Friday Night Whites - Case of 12, at Mark & Spensers
3 Alta Mira Sauvignon Blanc 2008: A fresh, dry Sauvignon Blanc from the Central Valley in Chile, this has a mouthwatering, zesty aroma and clean citrus flavours 3 Hungarian Pinot Grigio 2008: A refreshing aromatic white with vivacious fruity flavours of limes, tangerines and melons 3 Gascogne Cuve Spciale 2008: If you like dry, refreshing white wines, you'll love the mouthwatering flavour of crisp lemons and pears... 3 Quadro Sei Single Estate Gavi 2008: A premium dry white from one of Italy's most renowned wine-producing regions, Piedmont. Look out for the delicious fruity flavour of lime, pear and apricot, a subtle hint of almond and a fresh, ripe, zesty finish You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Petite Cotton Rich Straight Leg Jeans, at Marks & Spenser
A wardrobe essential at a great price, these straight leg denim jeans are outstanding value. Stock up on style!

Norton Internet Security™ 2009 1 Year Protection for up to 3 Home PCs, at Marks and Spencer
Core Security: Protects against viruses, spyware, Trojan horses, worms, bots, and rootkits. Reduces scan time with smart scanning, so you can work and play uninterrupted Advanced Security: Protects against the latest threats with a proactive, multilayered protection system, prevents others from taking control of your PC and using it to attack other PCs Identity Protection: Inspects websites to make sure they're not fakes, guards against online identity theft Networking: Helps secure and monitor your home network. Automatically secures your PC when connecting to public wireless hotspots Support: AutoFix technology will diagnose and fix common problems for you Suitable for 3 pcs for 1 year 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

Blue Harbour Pure Cotton Floral Cargo Shorts, at Mark's & Spencer
Relaxed and casual, these fashionable cargo shorts are made from comfortable cotton and feature characteristic cargo style pockets

Baglio Nero D'Avola 2007 - Case of 12, at Marks & Spencers
Style: Full bodied Grape variety: Nero d'Avola Country of origin: Italy Closure: Synthetic closure Suitable for vegans 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

Collezione Etched Rectangle Cufflinks, at MarksandSpencer
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

Samsung HMX-R10BP High Definition Camcorder, at Marks and Spencers
5x optical (x8 Smart) zoom: With its high quality 5x optical zoom lens you can get close to the action from a safe distance. Now you can see it all in perfect detail 2.7" LCD touch screen: You'll never miss a shot with the 2.7" touch screen LCD display. Catch more of the action and guarantee that the entire image is recorded Full HD: Now you can watch your videos in full high definition. That means crystal-clear details, the sharpest picture quality available and brilliant color. The 1/2.33" CMOS imaging sensor boasts 9 mega-pixels and yields impressive light sensitivity to capture full HD video at 1920 x 1080 lines of resolution 9M pixel still: Now you can use the camcorder as a digital camera. Want a still photo instead of video? Leave your camera at home and snap 2880 x 1620 resolution images and then watch them with family and friends on your TV screen New ergonomic design: An ultra-compact, ergonomic design with a smooth, curvy shape lets you hold the camcorder in total comfort. That means you're always ready to get the best shot and capture more memories. The lens is also angled at 25 degrees, which reduces the strain on your wrist and helps you to relax, record, smile Pixels: 230k Still image resolution: 12M (4000x3000 / Interpolation)9M (4:3, 3456x2592)6M (16:9, 3328x1872)5M (4:3, 2592x1944)3M (4:3, 2048x1536)2M (16:9, 1920x1080)VGA (640x480) Dimensions: W38.1 x H56.6 x D128mm Battery life: Lithium-Ion - approximate maximum recording time 80mins 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

Handcrafted Flowers Easter Card, at Marks & Spencers
Cover text: Happy Easter Inside message: Blank for your own message Approx size: 230 x 114mm

Per Una Embroidered Long Sleeve Kaftan, at Marks & Spensers
A casual v-neck kaftan in pure soft cotton featuring an embroidered spot and floral design

My First Nursery Rhyme Book, at M&S
Suitable for ages 0-3 years Classic nursery rhymes to share This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Tuxedo Jacket, at Marks & Spencer
Modern and stylish, this tuxedo jacket is ideal for proms, balls and special occasions. It's extra durable and added stretch keeps it in great shape and gives enhanced comfort and ease of movement

Gold Spot Bursts Bottle Bag, at Marks&Spencer
1 bottle bag with tag Approx size: H370 x W120 x D80mm

Pure Cotton Animal Print Jersey Top, at Marks & Spensers
This fashionable animal print top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Relaxed Pure Cotton V-Neck Pyjama T-Shirt, at Marks n Spencer
Soft and comfortable, this cotton pyjama t-shirt can be worn with a number of our pyjama bottoms and shorts to create your own style

Classic Collection Pure Cotton Pull-On Jeans, at M & S
Effortlessly stylish, these easycare pull on jeans are finished with a smart decorative fob at the waist. They're designed to give a comfortable, flattering fit and make a perfect match for fashionable tops and t-shirts

Per Una Linen Blend Frill Detail Cardigan, at Marks and Spencer
A fashionable long sleeve cardigan in cool linen blend fabric. Front frill detail gives it the Per Una touch

High Impact Stripe Band Non-Wired Padded Sports Bra, at Marks & Spencer
Comfortable and secure, this high impact sports bra gives firm, gentle support for active wear

Ruched Floral Bedcover, at Marks & Spenser
Floral design Ruched finish Stitched detail, Manufacturer: Marks & Spencer

Autograph Pure Cotton Tank Top & T-Shirt Outfit, at Marks and Spencer
Fashionable and practical, this cute outfit is made from soft cotton to keep him feeling comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Plus Plain Full Slip, at Marks and Spencer
A fashion essential you can't do without! This slip enhances the look of dresses and stops them clinging or becoming see-through under light. All our slips are cling resistant and come in a number of lengths. Sizes 24-28 are exclusively available to our online customers

High Impact Padded Crop Top, at Marks & Spencer
Comfortable and secure, this padded sports bra gives firm, gentle support for active wear

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 Home 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 Home 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.