Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but Marks and 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 Money 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 Household 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 (Household Insurance, Motor 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 and 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 M+S 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

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 and Spencers 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 Spencers, 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 Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Artificial Orchid in Square Layered Vase, at Marks & Spencer
Artificial orchid Square layered glass vase No watering required therefore easy care Fresh looking throughout the year Diameter: 28cm, Manufacturer: Marks & Spencer

Angel Contrast Strap Cutie Motif First Bra, at Marks & Spencers
This pretty contrast strap bra is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Autograph Weekend Boyfriend Cardigan with Wool, at Marks and Spencers
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

Burra Brook Sauvignon Blanc 2008 - Case of 12, at M & S
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Australia Closure: Screw cap Bottle: 12 x 75cl. Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml:1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Styled Floral Embroidered DD-G Bra, at M+S
Fresh and feminine, this bra is beautifully embellished with floral embroidery. It's underwired and structured to give great support and a natural uplifted shape. Pretty everyday fashion

Ashbourne Large 2 Seater Sofa AU09 Newness, at Marks&Spencer
Manufacturer: Marks & Spencer

Hungarian Pinot Grigio 2008 - Case of 12, at Marks & Spencers
Style: Medium dry Grape variety: Pinot Grigio & Sauvignon Blanc 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

Footglove™ Wide Fit Bow Wedge Shoes, at Mark & Spensers
Put your best foot forward with these stylish Footglove™ shoes in soft leather. They're lightweight, flexible and exceptionally comfortable

Autograph Weekend Cotton Rich Crop Denim Jacket, at Marks and 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

Signature Ginger Lily Scented Filled Candle, at Marks and Spencers
Ginger lily fragrance Glass holder, Manufacturer: Marks & Spencer

Organic Cotton Illustrated Eco Bag, at Marks & Spencers
Shop greener by using this organic cotton shopper instead of plastic carriers. The illustration was commissioned from eminent fashion illustrator David Downton, making this bag a must-have style conscious accessory

Adjustable Task Collection - Table Lamp, at Marks & Spencers
Antique-effect brass finish Height adjustable from 54 cm to 76 cm H40 x Diam 19cm Frosted glass shade Bulb: 40W SES golf ball This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Silk Snake Print Lightweight Scarf, at Marks and Spencers
Add a luxurious finishing touch to your look with this elegant pure silk snake print scarf. The perfect accessory to this season's styles

Knee Length Crepe Skater Skirt, at Marks & Spenser
Fashionable and contemporary, this panelled skater skirt is a stylish, versatile choice. A great work-to-evening style

Altena Cortese 2008 - Case of 12, at M+S
Grape variety: 100% Cortese Country of origin: Italy Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

House White Wine 2008- Case of 12, at Marks&Spencer
Style: Dry Grape variety: Ugni Blanc, Terret, Grenache and Sauvignon Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle:8.6 Alcohol units per 125ml:1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

True Red Eau De Toilette Purse Spray 25ml, at Marks and Spencers
25ml eau de toilette This product is not available for international delivery. Find out more

3 Pure Cotton Assorted Sleepsuits, at Marks and Spencer
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value body suits are designed to keep baby looking adorable and feeling comfy and happy

Per Una Eye Pencil, at Mark's & Spencer
Eye definer pencil Hypo-allergenic Double ended Comes in 7 shades

24 Mini Chicken Kievs, at Marks & Spencer
Contains 24 pieces Serves 6 Ready to cook Suitable for freezing 640g total weight As featured on page 12 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, Manufacturer: Marks & Spencer

Full Brief Lace Shorts, at Marks and Spencers
Smart, snug and easy to care for, these cosy shorts combine a flattering fit with a lace design and stretchy fabric to create the perfect knickers for day to day wear

Chablis Malantes Domaine St Louis 2007 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 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 Weekend Cowl Neck Cardigan, at Marks and 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

Autograph Pure Cotton Long Sleeve Grandad Top, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

3 Piece Stainless Steel Saucepan Set, at Marks and Spencer
3 pan set Glass lids 16cm saucepan - 1.3 litre capacity 18cm saucepan - 2 litre capacity 20cm saucepan - 2.7 litre capacity Riveted handles Encapsulated base for even heat distribution Suitable for all cooker and hob types, except induction. Not suitable for induction hobs, Manufacturer: Marks & Spencer

Adjustable Task Floor Lamp, at Marks n Spencer
Antique-effect brass finish Height adjustable between 147cm and 178cm H167 x Diam 37cm Frosted glass shade Bulb: E27 60W GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Baseball Cap, at M&S
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

Canon LEGRIA FS20 Flash Memory Camcorder, at Marks and Spencers
Pixels: Type - 1/6" Interlaced CCD, Total pixels - 1.07 megapixel, Effective Pixels - MOVIE: 710,000 pixels, STILL: 800,000 pixels (4:3 mode) Dual Flash Memory: With 8GB Dual Flash Memory, the LEGRIA FS20 offers you two ways to record. Store over 5 hours of movies to internal memory, or shoot straight to SD or SDHC memory cards for easy sharing 45x Advanced Zoom: Combining the power of the DIGIC DV II processor and the quality of a genuine Canon Video Lens, the LEGRIA FS20 offers the extended reach of a 45x Advanced Zoom Megapixel CCD: Thanks to its Megapixel CCD, the LEGRIA FS20 delivers superior quality video images and digital photographs Pre REC function: In Pre REC mode, the camcorder starts recording three seconds before you even press the Record button. 3 seconds of footage are continuously stored and automatically added to the beginning of your clip from whenever you start videoing - never miss that crucial moment again Quick Charge: After a long day's shooting, it only takes 20 minutes to recharge the camcorder's battery sufficiently for a further hour's recording Microphone and headphone jacks: A microphone input and headphone jack give you the ability to record better audio and closely monitor it during recording Dual Shot: Dual Shot sets all controls to automatic, leaving you free to frame your shots. You can shoot high quality photos during video recording, without the bother of switching between settings on the Control Dial PIXELA software: Supplied PIXELA™ software provides an easy way to edit and share your movies burn a DVD, convert a movie for upload to the web, or transfer it to your personal media player. To burn a DVD at the touch of a button Video Snapshot: Video Snapshot mode makes it incredibly easy to create movies for sharing with friends and family. Every time the Record button is pressed, a short 4 second clip is captured. Simply add your clips to a playlist, select a soundtrack, and you're instantly ready to play your movie on a TV - with no need for editing on a PC. 4 seconds is the average length of one 'cut' in a TV show, helping to give your final movie an expert feel Screen size: 2.7" widescreen colour LCD Compact and light: Take your camcorder anywhere. Weighing just 230g, LEGRIA FS20 wont ever slow you down Dimensions: W55 x H59 x D121mm Battery life: Lithium-Ion - approximate maximum recording time 3hrs 35mins

Hairy Rug, at M&S
Hairy design Small: 80 X 140cm Medium: 120 X 170cm Large: 160 X 230cm, Manufacturer: Marks & Spencer

New Lace Shorts, at M & S
These pretty lace shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

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 & 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.