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 n 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.

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spensers 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 Finance, you get more, and you pay less.

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 Mark's & 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

Blue Harbour Pure Cotton Check Shirt, at Marks and Spencers
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

DeLonghi Perfectra Cappuccino ESAM5500 Coffee Machine, at Marks and Spencer
High performance 15 bar pump pressure De'Longhi pantented 'single touch' milk carafe and frothing system to obtain real cappuccino straight into the cup or glass The milk carafe (1L) can be cleaned at a touch of a button and stored in the fridge when not in use Ultimate bean to cup quality with only one touch to create perfect espresso Easy-tronic digital control panel: stylish ipod-style design with sleek illuminated icon display and rotating control dial Perfecta can be used with either fresh coffee beans or ground coffee Removable water tank (1.7 litres) Full digital display for ease of use Integrated profesional burr grinder with 7 adjustable coarseness settings Adjustable quantities of coffee and water to make and individually tailored cup of coffee Electronic temperature control so you can set your coffee from piping hot to medium temperature Removable brewing unit for easy cleaning Automatic shut-off of machine after a pre-set time has elapsed Electronic steam and coffee thermostat for accurate temperature control Double boiler system, with one boiler exclusively for espresso and the other for steam, means your cappuccino can be made almost instantly with the press of one button Rinse and decalcification auto-programmes variable to reflect local water hardness Adjustable height coffee dispenser to accommodate either full size or espresso size Active cup warmer Removable drip tray with water level indicator Stylish silver/blue finish 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 , Manufacturer: Marks & Spencer

Ruffle Button Front Top, at Marks&Spencer
This short sleeve top is beautifully embellished with a ruffle front for a stylish modern look

3/4 Sleeve Self Stripe Shirt, at Marks & Spenser
Smart and stylish, this 3/4 sleeve shirt features a stunning self stripe design. A sophisticated new look, perfect for this season

Pima Cotton Long Sleeve Tie Front Top, at Marks & Spensers
Chic and modern, this fashionable tie front top is made from supersoft fabric that looks and feels great. Modern styling details give a contemporary edge

Ultimate Pure Wool Flat Front Stripe Trousers, at Marks and Spenser
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Sebo Automatic X4 Extra Upright Vacuum Cleaner, at Marks and Spencer
1300 watt motor S-CLASS filtration system - removes 100% of particles of 1 micron and above Anti-allergy design with British Allergy Foundation approval Stair cleaning hose system Computer control system Includes dusting brush, floor and wall brush, straight tube and flexible extension hose Ideal for carpet, hard floors and pet hair 5 year parts and 2 year labour domestic use guarantee Can be used for carpet cleaning Unit weight 7.4kg, width 31cm 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 , Manufacturer: Marks & Spencer

Classic Duckling Large Gift Bag, at Marks & Spenser
1 gift bag Approx size: H310 x W360 x D150 mm

Luxury Mattress & Divan Set - Medium, at Marks and Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Anti-allergy - provides effective protection against dust mite allergies, so you'll have a trouble free sleep Mattress has 2200 independent pocketed springs in two layers Mattress filling is a combination of lambswool, cotton and loose hair Cotton-felt provides a soft surface, while wool tufts hold the filling in place Hand-stitched sides support the mattress walls and extend the sleeping area Divan has 956 pocket springs Timber frame Feet are high-quality castors This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

M&S 2-Slice Toaster - Black, at Marks and Spencer
2 slice toaster 850W Defrost, reheat and cancel settings Automatic and manual switch off Removable crumb tray for easy cleaning With indication light Cord storage Wide slots (33mm), fit for all kinds of bread Elegant design with stainless steel body Dimensions: H21 x W30 x D18cm 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 , Manufacturer: Marks & Spencer

Autograph Pure Wool Flat Front Trousers, at Marks & Spensers
Fashionable and contemporary, these stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Boneless Leg of Lamb with Rosemary & Garlic Butter, at Marks and Spencer
Serves 6-8 Ready to cook Suitable for freezing 1.6kg As featured on page 36 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Portfolio Cross Over V-Neck Top, at Marks & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Maxim Champagne Flute, at Marks and Spencers
Tinted glass Slim stem H23cm 18cl, Manufacturer: Marks & Spencer

Body Formula 3-in-1 Cooling Leg Gel, at Marks & Spenser
Menthol and eucalyptus give a cooling senasation on your legs as the gel is absorbed Xyleine™, an ingredient derived from lemon, papaya and olive leaf, has been shown to reduce hair regrowth rate and thickness 150ml

Per Una Short Sleeve Ditsy Lace Top with Camisole, at Marks & Spensers
A fashionable floral print top featuring a plain camisole, the crinkle design makes it extra stylish

Footglove™ Leather Whip Stitch Detail Ankle Boots, at Marks & Spencer
Round toe Whipstitch detail Zip fastening Ankle high Block mid heel Heel height: 47mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Burgundy Pair - Case of 6, at Marks & Spencer
3 Bourgogne Chardonnay 2007: A fresh and fruity well-balanced white Burgundy, with delicious flavours of citrus fruit and apricot... 3 Bourgogne Pinot Noir 2007: A temptingly smooth and fruity red wine from Burgundy. It has a lively aroma, fresh flavours of strawberries, raspberries and plums... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Floral Print Knee Length Skirt, at Marks n Spencer
Cute and sassy, this cotton skirt features a floral print. A fabulous fashionable look

Domaine Jacky Marteau Sauvignon Blanc 2008 - Case of 12, at Mark & Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

7 Pairs of FreshFeet Assorted Stripe Socks with Silver Technology, at Marks and Spencers
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Pure Cotton Belted Knee Dart Jeans, at Marks and Spencers
Comes with belt shown in image These straight leg jeans in pure cotton are great value. A practical, easycare style

Autograph Light Control Lace DD-G Body, at M+S
Look slimmer in seconds! This light control body gently shapes your figure all over for a smoother, sleeker silhouette. Beautiful exclusive lingerie

Pure Cotton Piped Double Breasted Mac, at Marks and Spencers
A simple, fitted mac is a versatile piece that will never go out of fashion. This mid length version is given a contemporary twist with a double breasted cut and contrast piping

Pure Cotton Straight Leg Trousers, at Marks and Spenser
A stylish smart-casual look, these straight leg trousers chinos are outstanding value! They're made from pure cotton which is comfortable, practical and easycare

Canon PowerShot A480 Digital Camera, at Marks and Spencers
Pixels: 10.0 megapixels Zoom: 3.3x optical zoom , 13x digital zoom Screen: 2.5'' LCD display ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W92.1 x H62.0 x D31.1 mm Weight: 140g Video: Movie modes include Long Play (LP) for VGA (20fps) clips that use half the normal memory card space. Motion Detection Technology: The optimal ISO level is then automatically set, to minimise blur and maximise image quality PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PC Face Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC III processor provides lightning quick responses and superb image quality. iSAPS technology uses shooting scene data to optimise camera settings even before a shot is taken, so you're free to concentrate on capturing the moment Shooting Modes & Special Scenes: 15 shooting modes including dedicated Kids & Pets and Indoor modes - make it easy to get the right settings for any scene. Simply select the mode you want, and let the camera take care of everything else System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

Watermelon Refresher & Burner Oil, at Marks and Spenser
Watermelon fragrance 15ml, Manufacturer: Marks & Spencer

Non-Iron Cotton Blend Long Sleeve Stripe Shirt, at Mark & Spensers
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Easy One Pot Cook Book, at Marks and Spencers
The one-pot wonder that's always top of the charts! With today's busy life-style we are all looking for ways to reduce time spent in the kitchen, yet still serve up healthy and nutritious home-cooking. Delicious, trouble-free and never dull, one-pot cooking is almost too good to be true. With an amazing range of different dishes available, extending your repertoire of meals has never been easier

3 Pairs of Fine Merino Blend Socks, at Marks & Spencers
Wool blend yarn makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

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.