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, Sainsburys, or Tescos:

• 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 Marks and Spencer are so useful. M&S Financial Services financial products are, of course, designed to make M & S 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 Insurance policies. Usually, UK Buildings 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 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 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 and 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 M & S, 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 M+S Money, you get more, and you pay less.

Adored Pure Cotton Mini Spot Nightdress, at M+S
Stylish and elegant, this flattering mini spot nightdress is part of our feminine Adored collection. It's made from soft pure cotton for the ultimate in comfort

Cake Cooling Rack, at Marks & Spensers
Square rack design, Manufacturer: Marks & Spencer

Baglio Nero D'Avola 2007 - Case of 12, at Marks & Spencer
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

Blue Harbour Straight Leg Stretch Denim Jeans, at Mark & Spensers
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Paua Shell Pear Necklace and Earring Set, at Marks & Spencers
2 piece set Pear shaped polished shell earrings Multi pear shaped polished shell pendants

Klara's Cat Engagement Card, at Marks and Spencer
Cover text: Engaged Inside message: Congratulations Approx size: 175 x 125mm

Malabar 3 Door Sideboard, at Marks and Spenser
H90 x W180 x D50cm 3 drawers 1 adjustable shelf in each cupboard Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy this sideboard as part of a set. Click here to view the Malabar Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Ben 10™ Fluffy Dressing Gown, at Marks and Spencer
A must for fans of Ben 10, this soft fluffy dressing gown features the popular character

Rive Barbera d'Asti 2005 - Case of 6, at Marks and Spencers
Style: Full Bodied Grape variety: Barbera Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml:1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Pure Cotton Short Sleeve Shirts, at Marks and Spencer
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Long Assorted Bead Necklace, at Marks and Spencer
Clasp fastening Adjustable length Assorted bead design Length: 104cm Extender: 8cm

Plain Longline Tie Waistcoat, at Marks and Spencer
Contemporary and casual, this longline cardigan is made with cool comfortable cotton and features a tie waist for a fashionable look

Stainless Steel Meat Scissors, at Marks & Spencer
Stainless steel It is a criminal offence to sell scissors to anyone under 18 years of age, Manufacturer: Marks & Spencer

Pure Cotton 2 Piece Blanket Bale, at Marks & Spenser
2 piece set Stripe design blacket with embroidered trim Knitted plain textured blanket, Manufacturer: Marks & Spencer

2" Longer Pure Cotton Sateen Stripe Shirt, at Marks & Spencer
Smart and stylish, this 2" longer sleeve stripe shirt is made from pure cotton

Animal Print Halterneck Bikini Top, at Marks and Spencer
Stylish and elegant, this fashionable bikini top features a striking animal print. A fabulous fashionable look

Sony DAV-DZ280 Home Theatre System with iPod® Dock, at Marks&Spencer
DVD player CD player iPod/iPhone™ dock 5.1 channel surround sound system with 850W total power output 3 HDMI™ inputs 6 speakers Sony DIGITAL MEDIA PORT - connect to and release digital music stored on your WALKMAN or other mp3 players, mobile phones, Bluetooth and Wi-Fi devices Built-in upscaler generates a 1080p signal via HDMI™ cable for superb picture quality on your High Definition TV Progressive scan USB interface Dolby Digital, Dolby Prologic II and DTS Decoding FM radio tuner with RDS and 30 station presets Portable Audio Enhancer function - improves the sound quality of compressed music such as MP3s DCAC - one-push automatic sound set-up for flexible speaker placement and optimum sound quality New Precision Cinema HD Upscale technology that converts standard-definition signals (480i) to 1080p and outputs a full HD equivalent resolution signal to 1080p TVs via HDMI™ BRAVIA Sync for simple, integrated control with your BRAVIA TV and other compatible products using only one remote Dimensions (main unit): W43 x H6.6 x D3.9cm Weight: 12.3kg 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

Twin Stitch Large Purse, at Marks and Spencer
Practical and stylish, this purse features compartments for your cash and cards and a secure popper fastening, making it an ideal choice for everyday use.

Pure Cotton Flap Pocket Casual Cargo Trousers, at Marks & Spencers
Casual, relaxed cargos in pure soft cotton featuring multiple pockets

Ceriso Spot Print Padded Balcony Bra, at Marks and Spencer
Feminine and fashionable, this modern bra features a spot print and is finished with a frill trim. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Pure Cotton Crew Neck Unisex Sweatshirt, at M+S
Relaxed and comfortable, this pure cotton sweatshirt is great value. An ideal choice for school

Single Sprung-Edge Divan with 2 Small + 2 Large Drawers & F400 Pocket Memory Foam Mattress, at Marks and Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 25cm Small Drawer: H14 x W40 x D52cm Large Drawer: H14 x W78 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Spring count: 1225 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK 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 Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Quinta De Fafide Estate Reserva 2005 - Case of 6, at Marks & Spenser
Style: Full bodied Country of origin: Portugal Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol Alcohol units per bottle: 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

Limited Collection Cotton Rich Stripe Push-Up Bra, at Marks & Spencers
Fun and fabulous, this cotton rich t-shirt bra is part of our Limited Collection lingerie. It's perfectly smooth so you won't get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

M&S Driving Test Software, at Marks and Spencer
Theory, hazard and practical driving tests all in one handy suite Theory - multiple choice Hazard perception - official Q&A sample clips Practical - 2 day driving programme and interactive guide 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

Limited Collection Angel Wings Necklace, at MarksandSpencer
Clasp fastening Adjustable length Angel wings pendant Fine chain Necklace length: 45cm, extendable by 8cm

Blue Harbour Luxury Cotton Rich Straight Leg Fade Resist Jeans, at Marks & Spencer
These luxury jeans have a crease resist and anti-fade finish so even the darker colours stay true for longer. With added comfort stretch and fade and crease resistant fabric you will stay smart and comfortable all day long.

Blue Harbour Long Sleeve Lambswool Cardigan, at M&S
Soft and comfortable, this long sleeve cardigan is made from pure lambswool

Top Gear Sticker Activity Book, at Marks & Spencer
Have fun completing this colourful, action-packed sticker book with more than 40 stickers

T345623S, at Marks & Spencers
Manufacturer: Marks & Spencer

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser 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 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 & Spencers, 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.