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 Tesco:

• 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 Marks and Spenser 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencers Motor Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spenser purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Casino Royale Blu-ray DVD, at Marks&Spencer
Rating Suitable for 12 years and over,

Perfect Machine Washable Single Pleat Trousers with Wool, at Marks & Spencer
The perfect go-anywhere trousers, with a water repellent Stormwear finish and Lycra for added stretch and comfort

125 Years Pure Cotton Long Sleeve Grid Check Shirt, at Marks & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

British Heritage Leather Burnish Cut-Out Shoes, at Marks and Spenser
Enjoy the best of Britain with our British Heritage range. Handcrafted in England, these timeless shoes are made from the finest leather and traditional Goodyear Welted Construction. They include a leather insole and cork filler which moulds to your feet for superb comfort and fit

Alton Damask Dining Chair, at Marks & Spencers
H99 x W46 x D56cm Seat: H48cm Single chair Upholstered in damask fabric Made from solid ash with a fabric seat 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sony Bravia 37'' KDL-37W5500 HD Ready LCD TV, at Mark & Spensers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 37 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 50000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W91.7 x H64.9 x D30.3cm, Without Table Stand: W91.7 x H60.2 x D9.1cm Weight: Weight inc. stand: 18.5kg, weight without stand: 15.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 1, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 2, RF In, Scart Inputs (RGB) x 2, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pleated Ribbon Cushion, at Mark's & Spencer
Rectangular shape Pleat detail Stripe design L50 x W30cm, Manufacturer: Marks & Spencer

°Climate Control All Seasons Mattress Protector, at M+S
Absorbs body heat, releasing when your body needs it Fleece reverse Made using Outlast technology, originally designed for NASA Moisture management technology, Manufacturer: Marks & Spencer

Traditional Bamboo Handle Umbrella, at Marks & Spencers
A traditional men's umbrella with a traditional bamboo handle for those who want some luxury in their life, it has gilt metal trim on the ferrule and bottom of the handle, suitable for everyday use

European Travel Adaptor, at Marks & Spensers
UK socket to 2 round pin plug adaptor

Corner Grps - N ABB CNR BRONCO, at Marks & Spenser
Manufacturer: Marks & Spencer

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

Philips Power2Charge Universal USB Charger, at Marks and Spenser
The plug is designed in such a way that it can be folded when not in use to increase portability when on the go Via the illuminated Philips logo, you are informed about the charging status of your device. When the Philips logo starts flashing you know your device is fully charged, so you can unplug it from the power outlet and prevent unnecessary energy consumption The travel bag supplied with this device is both convenient and useful as it provides extra protection Once they are charged, a protection circuit ensures no more power is provided to the batteries of your portable device With built-in short-circuit protection, there is no risk of damaging your device. The built-in protection quickly shuts off the output Power input voltage: 100-240 V Power output voltage: 5.6 V Heavy metals: Cd free, Hg free, Pb free Dimensions: H7 x W5.6 x D5.2cm Weight: 0.07 kg

Domaine Joseph Garnier Chablis 2007 - Case of 6, at Mark & Spensers
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

6 Assorted Mini Heart Hair Bands, at Marks & Spencer
Tie back those tresses in style with these cute mini heart hair bands with a selection of 6 different colours

Provence Floral Table Lamp, at Marks and Spenser
Ceramic floral stand Conical fabric shade 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

5 Younger Girls' Pure Cotton Lace Trim Briefs, at Mark's & Spencer
Fun and fabulous, this pack of 5 cotton briefs makes a great way to stock up on essential style

Autograph Pure Silk Weave Tie, at Marks and Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Autograph Flat Front Black Stripe Trousers, at Marks&Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Autograph Plain Tie, at Mark & Spencers
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

Mirror Blocks Photo Frame 13 x 18cm (5 x 7"), at Marks and Spencer
Rectangular frame Mirror blocks design Aperture: 13 x 18cm (5 x 7"), Manufacturer: Marks & Spencer

Dyson Animal DC14 Upright Vacuum Cleaner, at Marks & Spencer
Suction power: 280 airwatts (constant) Root Cyclone™ technology: Dyson vacuum cleaners separate dirt from the air by centrifugal force. It spins the air incredibly fast and the dust and dirt is flung out into the clear bin™. Suction is maintained as there is no bag to become clogged Mini turbine head: Cleans pet hair and dirt from confined spaces such as upholstery, stairs and the car Hygienic and quick to empty: Dyson design minimises risk of contact with dirt Motorised brush bar: Powerful bristles remove dirt and pet hair from carpets Expels only clean air: Air expelled from a Dyson has 150 times less mould and bacteria than the air you breathe. Dyson technology captures particles as small as pollen, bacteria and mould spores Clear bin™: Tough polycarbonate bin lets you see when it needs emptying Bin capacity: 2.7 litres Fingertip brush control: Brush bar turns off to protect delicate rugs and hard floors Reversible wand: The wand reverses to reach awkward areas more easily and with a better grip Washable HEPA filter with Bactisafe™ screener: Ideal for allergy sufferers. Filters must be washed every 6 months All floors: This Dyson model is suitable for all floors Combination accessory tool: Nozzle converts to a mini turbine head for easy removal of pet hairs Cord length: 9.3 metres Maximum reach: 14.5 metres Dimensions: H110 x W33.5 x D34cm Weight: 8.4 kg Included in the box: Mini turbine head, brush tool, stair tool, crevice tool, operations manual, quick start guide, guarantee information and product registration card 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

Supima® Pure Cotton Non-Iron Duvet Cover, at Marks & Spenser
Internationally recognised as the world's finest cotton High performance non iron finish offering the ultimate in easy care Supima is renowned for its superior strength, enhanced durability and sumptuous feel 180 thread count Single: W137 x L198cm Double: W198 x L198cm 5ft (Queen): W228 x L218cm 6ft (King): W260 x L220cm, Manufacturer: Marks & Spencer

Per Una Woven Neck Bib Top, at Mark & Spencers
An elegant short flared sleeve top featuring a ditsy print and woven neck bib

Younger Girls' Stud Skinny Belt, at Marks & Spencer
Fun and fashionable, this multi stud belt adds a stylish finishing touch

Philips HP6379 Bikini Trimmer, at Marks & Spensers
Wet and dry use: In and out of the shower Hygienic protection: Silver ion comb for hygienic protection Rechargable Charge lasts up to 60 minutes Precise and gentle trimmer Hygienic trimming comb Extra smooth and safe shaver Epilator removes hair for weeks Eyebrow and detail trimmer Eyebrow and detail comb

3 Pairs of Ribbed Top Sports Socks, at M&S
Designed to sit snug inside your trainers, these cotton rich socks provide the essential comfort and breathability your feet need for those high impact workouts

Dualit Food Processor - Chrome, at Marks and Spenser
Three long life stainless steel chopping blades with sure grip handles Fully adjustable slicing blade - 0.5mm to 7.5mm Reversible grating disc - 2.5mm and 4.5mm Reversible shredding disc - 1mm and 3mm Chipping disc - 8mm square x 8 chips Emulsifying disc (Edisc) Bakery grade dough blade Pulse setting Takes 3 different bowl sizes which fit inside each other, allowing you to start with the small bowl, then move on to the medium and large bowls with no washing up in between Every bowl is perfect for multiple tasks and includes a giant 3.25L sized bowl Non-slip suction feet and multiple safety interlocks Heavy duty induction motor with 12 year guarantee 1.5kW Dimensions: W21 x L25 x H42.5cm 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

2 Silicone and Wood spatulas, at Marks & Spencer
These essential spatulas can be used for a multitude of culinary tasks. Incredibly practical the wooden handles ensure safe heat insulation

Girls' Limited Rock Princess Vest Top & Shrug, at M+S
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

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 Marks & Spencers, 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.