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

There are lots of ways to save money using M&S Financial Services. Not least of these is Marks n Spencer Standard Motor Insurance. With M&S Financial Services you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from M&S Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from Marks & Spencers Money, you get more, and you pay less.

Extra High Impact Sports Bra, at Marks and Spenser
As worn by GB Olympic pentathletes. Comfortable and secure, this maximum impact sports bra gives firm, gentle support for active wear. Its breathable fabric includes engineered sections to eliminate bounce while the racer back shape allows for maximum movement and padded non-slip straps ensure it's a comfortable fit

Fairtrade Organic Cotton Plain Dye Pillowcase, at M+S
Threadcount: 180 L76 x W48cm Plain Easy care finish for easier ironing Available in duvet cover, fitted sheet, flat sheet and pillowcase Click to view a video about Fairtrade Cotton , Manufacturer: Marks & Spencer

Portfolio Bobble Stretch Bracelet, at Marks and Spencer
Stretch style Bobble design

Large Glass Candle Holder, at Marks & Spensers
Multi layered stem Faceted Wide base Dimensions: H32cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Stripe Rugby Top, at Marks & Spencer
A fashionable smart-casual look, this comfortable pure cotton rugby top features a stripe design and an embroidered motif. Stylish, practical and easycare

Older Girls' Butterfly Foil Swimsuit, at Marks&Spencer
Great for splashing around in, this comfortable swimsuit features a stunning butterfly print

4 Granite Coasters, at M+S
Pack of 4 Square shaped, Manufacturer: Marks & Spencer

5 Pairs of Newborn Cotton Rich Assorted Design Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable assorted design made from soft breathable cotton rich fabric

Portfolio Cotton Rich Pencil Skirt, at M&S
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

3 Older Girls' Cotton Rich Frill Trim Bikini Briefs, at Marks & Spencer
Cute and trendy, this 3 pack of cotton rich bikini briefs feature frill trim and assorted designs

Champagne Oudinot Medium Dry - Case of 6, at Marks and Spencer
Style: Medium dry Grape variety: Mixed Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Baroc Waistcoat, at Marks&Spencer
For a thoroughly smart appearance, the traditional lines of this waistcoat are handsomely complemented when paired with a silk cravat and formal shirt

Signature Large Filled Glass Candle, at Marks and Spenser
Fill your home with the tangy and oriental scent of grapefruit and ginger with this beautifully scented candle

Pure Cotton V-Neck Pyajama Top, at Marks & Spencer
Pretty and feminine, this v-neck pyajama top is made from soft breathable cotton for a comfortable night's sleep

Petite Linear Colour Block Dress, at Marks & Spenser
Chic and contemporary, this linear dress features a colour block design. A fabulous fashionable look. Specially designed and perfectly proportioned for the petite frame

Royal Jelly & Pure Honey Rich Crème Bath, at Marks & Spencer
Natural skin nutrition 500 ml

Limited Collection Bow Detail Faux Pearl Long Necklace, at Marks and Spencers
Clasp fastening Adjustable length Faux pearl design Bow detail Necklace length 107cm, extendable by 8cm

Pure Silk Bow Tie, at Marks & Spensers
Crafted from luxurious silk, this elegant bow tie is a sophisticated choice for entering those black tie events in classic style

Autograph Essentials Single Breasted 2 Button Jacket, at Mark & Spencers
Part of Autograph Essentials - a collection of luxurious and timeless wardrobe must-haves featuring premium design and sophisticated styling

Charlotte Armchair, at M&S
H94 x W93 x D96cm Seat H50cm, arm H63cm, top back rail H77cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Castors on feet to protect your flooring All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Flexilite Paisley Print Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

Sparkly Cake Birthday Card, at M+S
Cover text reads: Have a birthday full of surprises! Inside message: Blank for your own message Approx size: 230 x 114mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Abbot Chair, at Marks & Spensers
H78 x W76 x D78cm Seat H43cm, arm H71cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Solid birch feet with a dark finish Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Craft Effect Grandson Card, at M&S
Cover text: To a very special grandson Inside message: Have a wonderful day Approx size: 150 mm x 150 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Pearl Crystal Graduated Set, at Marks and Spencer
2 part set Faux pearl Crystal feature

Single Hard-Top Divan with 1 Small + 1 Large Drawer & M200 Mattress, at Marks & Spencers
Single (3ft): W90 x L190 Mattress depth: 24cm Divan height: 41cm Divan drawer sizes: Large - H14 x W78 x D52cm, Small - H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table All mattresses and divans are anti-allergy protected Mattress does not require turning Mattress has a soft pillowtop layer A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

1001 Little Ways to Look Younger, at Marks and Spencers
Anti-aging tactics and treatments for lifelong beauty

First Readers The Enormous Turnip Sticker Activity Book, at Marks and Spencer
Help your child learn to read with this Read and Learn sticker activity book. It's specially designed to help develop your child's early learning skills and includes interactive sticker versions of the story, as well as over 20 pages of extension activities to reinforce your child's learning and further develop their skills

3 Cool & Fresh Pure Cotton Assorted Trunks, at Marks and Spencers
Made from soft breathable cotton, these comfy trunks are ideal for everyday wear

Hungarian Pinot Grigio Rosé 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: Pinot Grigio Country of origin: Hungary Closure: Synthetic closure Suitable for vegetarians 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

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the MarksandSpencer 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 Buildings & Contents 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 Mark's & 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.