M&S Finance 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 Finance 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 Tesco's:

• 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 Finance 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 Mark & Spencers are so useful. M&S Finance financial products are, of course, designed to make Marks & Spencer 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 Finance 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks&Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Property 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 M&S, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.

6 Summer Garden Hand Finished Multipack of Cards, at Marks & Spencer
Cover Text: Both designs blank Inside Message: Blank for your own message 6 cards, 2 designs Approx size: 200 x 80 mm

Fairtrade Organic Cotton Plain Dye Fitted Sheet, at Marks n Spencer
Threadcount: 180 Single (3ft): L190 x W91cm Double (4ft 6in): L190 x W137 cm King (5ft): L200 x W152cm Super-King (6ft): L220 x W183cm Depth: 25cm Easy care finish for easier ironing Available in duvet cover, fitted sheet, flat sheet and pillowcase, Manufacturer: Marks & Spencer

Natural Ceramic Bulbous Vase, at Marks & Spencers
Bottle shape Broad base H20.5 x 25cm diam 0.6Kg, Manufacturer: Marks & Spencer

Airflex™ Suede Loafers, at M&S
Unique Airflex™ airflow system for unbeatable comfort Square toe Stitch detail Slip on Block heel

Lilac Flowers Birthday Card, at Marks & Spencers
Cover text: Happy Birthday Inside message: Have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Autograph Baugette Tassel Necklace Made with CRYSTALLIZED™ - Swarovski Elements, at Marks & Spencers
Clasp fastening Adjustable length Baugette gem feature Made with CRYSTALLIZED™ - Swarovski Elements Necklace length 40cm, extendable by 7.5cm

Bubble Base Wine Glass, at Marks & Spencer
Bubble base design Hand made glass with heavy base Height: 19.5cm Capacity: 250ml (25cl), Manufacturer: Marks & Spencer

Cube Stool, at Marks & Spencer
H40 x W47 x D47cm (all dimensions are approximate) Top cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Cushion covers are not removeable 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 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

Marqués Del Romeral Gran Reserva 2001 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural Cork Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Pure Cotton Bootleg Denim Jeans, at Marks & Spencer
Fashionable and contemporary, these bootleg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Blue Harbour Pure Cotton Short Sleeve Oxford Shirt, at Marks & Spencer
Relaxed and stylish, this short sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Per Una Detachable Faux Fur Hooded Parka, at Marks and Spenser
A cosy funnel neck jacket featuring a detachable faux fur hood.

Autograph Exclusive 4 Piece Tuxedo Suit, 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

Domaine Jacky Marteau Sauvignon Blanc 2008 - Case of 12, at Marks n Spencer
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

Blue Harbour Pure Cotton Floral Print Shirt, at Marks & Spencer
Relaxed and stylish, this floral print shirt is made from pure cotton so it feels soft and comfortable to wear

Blue Harbour Pure Cotton Corduroy Trousers, at Marks & Spensers
Relaxed and comfortable, these smart casual cords are made from pure cotton and feature front and rear pockets

Detroit Bookcase, at Marks and Spenser
H180 x W90 x D40cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Drawer boxes made from solid European hardwood. Draw fronts made from oak veneer Solid oak legs Shelves made with oak veneer 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Jacquard Spot Non-Padded Underwired DD-G Bra, at Marks n Spencer
Soft and comfortable, this jacquard spot design bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

Spencer Bear, at Marks and Spencers
Cute and cuddly, this huggable Spencer Bear makes for a great gift

Rioja Campo Aldea Tempranillo 2008 - Case of 12, at Marks & Spencers
Style: Medium bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Autograph Assorted Stripe Slips, at Marks&Spencer
Featuring the best in modern fabric and contemporary design, these luxurious slips feel exceptionally comfortable and give a superior fashionable fit

Bright Sparks My Bumper Workbook English & Maths, at Marks n Spencer
Carefully linked to the National Curriculum, this English & Maths bumper workbook gives ideal support to primary school children. Over 200 gold stars and sticker badges to encourage and reward your child

Lochmuir™ Salmon & Prawn en Croute, at Marks & Spenser
Serves 6 Ready to cook Suitable for freezing 1kg As featured on page 39 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

Autograph Weekend Boyfriend Cardigan with Wool, at Mark & 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

Mid Length Funnel Neck Jacket with Belt, at Mark's & Spencer
Fashionable and relaxed, this funnel neck jacket makes an effortless way to get a stylish casual look

Limited Collection Long Sleeve Waterfall Collar Check Jacket, at Mark's & Spencer
Elegant and feminine, this tailored check jacket features a waterfall collar. A smart and stylish choice

BT Studio 3500 Cordless Phone with Answering Machine, at Marks and Spencers
50 name and number phonebook - assign different melodies to phone numbers Caller display stores your last 40 numbers and will display their name and number each time they call 10 last number redial Secrecy facility - allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options GAP compatible - register a maximum of 5 handsets Talktime up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 metres outdoors/50 metres indoors Low battery and out of range warnings Switchboard compatible Answer machine with upto 13 minutes digital recording time Pre-recorded outgoing messages - Answer and Record, and Answer Only Private playback via the handset Call screening/call intercept Memo facility Answer machine remote access Includes: 2 rechargeable batteries, mains power adaptor, telephone line cord for base station 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

Saunders Bedstead, at M&S
Headboard H91cm Endboard H51cm Dbl L199 x W135cm (W143cm with headboard) 5ft L199 x W150cm (W158cm with headboard) 6ft L199 x W180cm (W188cm with headboard) Chrome metal frame with real walnut veneer Mattress sold separately This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Wedge Gladiator Shoes, at Mark & Spensers
Open toe Gladiator interweave design Tie fastening Wedge sole Mid heel Comes in sizes 3-8, including half sizes

125 Years Mug, at Marks n Spencer
Retro style Part of the Commemorative Collection, Manufacturer: Marks & Spencer

Besides Marks & Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance 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 Finance 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&Spencer purchases are also protected while you take them home.

Also, on both M&S Finance 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.