M&S Finance 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 Finance 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 Spencer 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, Sainsbury's, or Tescos 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

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

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 Marks & Spenser 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 & Spencers, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

M&S 900W Combi Microwave, Convection Oven & Grill, at Marks and Spencer
25-litre interior capacity 10 variable power levels, including defrost 900W microwave power output, 1200W grill, 2000W fan-assisted convection oven Heating category E (MAFF rating for cooking time) Stainless steel cavity with mirrored front Dimensions: H31 x W51 x D44cm 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 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

Cotton Rich Scoop Neck Vest, at Marks and Spencer
Stylish and practical, this sleeveless vest makes an ideal choice for everyday wear. The cotton fabric gives a comfortable flattering fit

Cecily's Garden 50th Card, at Mark's & Spencer
Cover text: 50 Happy Birthday Inside message: Blank for your own message Approx size: 230 x 114mm

Slim Fit Flat Front Plain Grey Trousers, at Marks and Spencers
Every man needs a well tailored suit and this one is fantastically priced and fantastically smart too. Whether it's a great value basic, a classic investment piece, or the latest piece for spring

Text Uncle Birthday Card, at Marks & Spenser
Cover text: To a fantastic uncle Inside message: Have a very happy birthday Approx size: 215 x 150mm

Football Shirt Cake, at Marks & Spencer
Order by 5pm to collect in 7 days Serves 40 Blue icing Sponge cake: all-butter sponge filled with buttercream and raspberry jam 16.5 x 25cm 1.9kg Available for collection in the majority of our UK mainland stores As featured on page 65 in the food to order brochure Not suitable for nut allergy sufferers Chocolate and sponge cakes can be eaten up to 5 days after collection

Blue Energy Deodorising Body Spray, at Mark & Spensers
150ml spray This product is not available for international delivery. Find out more

Map Measurer & Compass, at Marks & Spencer
You'll always find your way with this map measurer and compass. The measurer is designed for easy use on all maps while the compass is backlit for lowlight situations and has a clip which can be used to keep it securely on you

3 Button Bootleg Trousers, at Marks and Spencers
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. A look that's always in style

Pure Cotton Straight Leg Boxer Jeans with Keyring, at Marks & Spencer
Jeans are a wardrobe essential and this straight leg pair make a fashionable and practical choice

Autograph Manor Damask Pencil Pleat Curtains, at Marks and Spencers
Damask design Pencil pleat Lined Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Valmont White 2008 - Case of 12, at Mark & Spencers
Style: Dry Grape variety: 50% Vermentino, 30% Chenin Blanc and 20% Sauvignon Blanc Country of origin: France Closure: Screw cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Formula Calming Night Cream + Vitamin E, at Mark's & Spencer
Suitable for all skin types Fragrance free Hypoallergenic 50ml

Faux Leather Biker Jacket, at Marks and Spencers
Modern and stylish, this faux leather biker jacket looks like the real thing. It's water resistant and machine washable too. Contemporary fashion at an amazing price so you can look your best for less

Older Boys' Cotton Rich Optimus Prime Vest & Trunks Set, at Marks and Spenser
A must for fans of Transformers, this cotton rich vest and trunks set features optimus prime

Per Una Bronzing Pearls, at Marks & Spencers
Soft smooth texture Hypo-allergenic Carmine free and GMO free Animal Free - No ingredients of animal origin

Côtes du Ventoux St Gabriel 2006 - Case of 12, at Marks & Spenser
Style: Dry, medium bodied Grape variety: Carignan, Grenache, Syrah Country of origin: France Closure: Natural cork Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Autograph Pure Cotton Lace Cardigan, at Marks & Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Griffin iTrip Auto FM Transmitter and Charger for iPod, at Marks & Spenser
Designed specifically for use in the car Large, easy-to-read backlit LCD screen affords quick, precise station selection and easy status at a glance Antenna: Built-in Modulation: FM Stereo Control speaker volume from your car stereo controls SmartScan - the easiest-to-use FM transmitter Power: Provided by 12 Volt cigarette lighter / power outlet (no batteries required) Frequency response: 50Hz to 15KHz Compatible with all 30 Pin Dock iPod's Nano 1G 2G 3G, Mini, Photo, Click Wheel, Video, Classic, Touch 1G but this iTrip does not charge iPod Nano 4G and Touch 2G Product Dimensions: 14 x 3.7 x 20.3cm Weight: 908g

Double Waisted Pinstripe Trousers, at Marks and Spencer
These tailored bootlegs are designed to skim the hips and thighs and gently flare to give a flattering long-legged look. Practical as well as stylish, they're machine washable for added convenience. A smart choice for work or formal occasions

Total Support Non-Wired Satin Band Bra, at Marks and Spenser
Soft and comfortable, this lightweight bra is designed to give gentle all-round support and uplift. It's secure but lightweight and features extra wide straps

Pure Cotton V-Neck Jumper and Polo Shirt, at Marks and Spenser
This fashionable layered look is a 2 piece set, a polo shirt and jumper both in soft comfortable cotton. Stylish, practical and easycare

Tencel® Longline Bib Shirt, at Marks and Spencer
Smart and stylish, this longline shirt is made from soft, comfortable tencel. It features a pleated bib for a fashionable look

Bodysensor™ 40 Denier Opaque Bodyshaper Tights, at Marks & Spensers
These comfortable 40 denier opaque tights are made with added stretch and a reinforced toe for durability. They feature bodysensor™ technology to keep you warm when its cool and cool when its warm

Formula Skincare For Men 24 Hour Moisturiser, at Mark's & Spencer
50ml

Autograph Essentials Mock Layer Vest Top, at Marks and Spencer
This sleeveless vest top will make a useful addition to your wardrobe. It features smart mock layer design for a stylish casual look

Faux Silk Ceiling Light Shade, at Mark's & Spencer
Faux silk fabric Plain H22 x Diam 30cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Seville Antique Brass Tumbler, at Marks and Spencers
Wall mounted, Manufacturer: Marks & Spencer

Jacqueline Wilson's Groovy Gifts Book, at Marks & Spenser
Kids will love this make your own groovy gifts book. Fun and entertaining, it helps develop creativity

Per Una 3/4 Sleeve Jersey Top, at Marks n Spencer
A beautiful jersey top, featuring contrasting chiffon sleeves. Gathered detail gives it the Per Una touch

M&S Finance 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 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.