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

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 Buildings & Contents 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 Buildings & Contents 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.

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 Spencers are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spensers 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 & Contents Insurance policies. Usually, UK Buildings & Contents 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 & Contents 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 & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Open Toe Microtowelling Wedge Slippers, at MarksandSpencer
Open toe Wedge heel Microtowelling design Plain

Secret Support™ Sports Mules, at Marks and Spencer
The ultimate in comfort, these sport slippers are made with hidden support that moulds to the natural contours of your feet. They are machine washable for added convenience

Die Cute Sneakers Nephew Birthday Card, at M & S
Cover text: Nephew, Happy birthday! Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future. 175 x 127 mm

Pure Cotton Thomas & Friends© Short Sleeve Stripe Polo Shirt, at Marks & Spencers
Fans of Thomas & Friends will love this cotton polo shirt featuring Thomas. A practical, easycare style

Anthony Bear Hand Finished Multipack of Cards, at Marks & Spencers
Cover text: Design 1: have a lovely Easter, Design 2: Happy Easter! Design 3: spring wishes Inside message: All designs, blank for your own message Pack contains: 6 cards, 3 designs Approx size: 147 x 70mm

Silver Plated Assorted Stud Earring Set, at Marks and Spencers
Set of 3 Stud fastening Hoop and heart designs Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Easycare Short Sleeve Gingham Shirt, at Marks&Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Autograph Round Toe Patent Finish Pumps, at Marks & Spenser
Round toe Patent finish Slip-on Low heel Heel height: 15mm Comes on sizes 3-8, including half sizes

Mesh Trim Full Cup Non-Wired Sports Bra, at Marks & Spencer
Offering the superior support and control you need for those high impact workouts. This sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

The Cotton Collection Cotton Bud, Bath and Body Duo, at Marks and Spencer
Bath foam: 160ml Body cream: 75ml Drift away with our PH balanced bath foam to cleanse and soften your skin Smooth away your day with our moisturising body cream to soften and nourish your skin

Per Una 3 Piece Bolero & Vest Set, at Marks & Spencer
A fashionable 3/4 sleeve bolero featuring a matching vest and added scarf

Road Monsters Fire Vehicles Set, at Marks and Spencers
Suitable for ages 3+ 5 fire-fighting vehicles Includes a fire truck, fire inspector's car, van, pick-up and a helicopter Imaginative play This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Hooded Sweat Top, at MarksandSpencer
Casual and comfortable, this hooded top is made from pure cotton. A fashionable easycare style, ideal for PE

2 Machine Washable Multi Stripe Ties, at Mark & Spensers
No more trips to the drycleaners! This pack of 2 ties are machine washable

Dualit Dome Kettle - Cream, at Marks and Spenser
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm 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 Long Sleeve Sequin Panel Top, at Mark's & 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

Autograph Pure Cotton Belted Chinos, at Marks and 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

Ceramic Canoe Potpourri Bowl, at Mark's & Spencer
Manufacturer: Marks & Spencer

Artificial Rose in Mini Glass Vase, at M&S
Artificial rose Glass vase No watering required therefore easy care Fresh looking throughout the year Height: 20cm, Manufacturer: Marks & Spencer

DeLonghi Icona Kettle - Silver, at Marks and Spencer
1.7 litre capacity Rapid boil 3kW cordless kettle Stylish silver finish 360 swivel base with cord storage Water level indicator Auto shut-off when water begins to boil Removable, washable scale filter Cord storage Non slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Collezione Italian Pure Silk Elm Tie, at M+S
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Woodspice For Men Anti-Perspirant Deodorant, at Marks and Spencer
Anti-perspirant Woodspice fragrance 200ml This product is not available for international delivery. Find out more

Autograph Leather Gusset Apron Loafers, at Marks and Spenser
Square toe Slip-on Gusset apron stitch feature Block heel

Lotus Flower Lantern Candle, at Marks and Spencer
Scented Includes wooden plate, Manufacturer: Marks & Spencer

Autograph Styled Pleated Underwired DD-G Bra, at Marks & Spenser
Sophisticated and feminine, this padded bra features a pleated design and lace trim. It's underwired and structured to give fuller busts great support and a flattering enhanced shape. Beautiful exclusive lingerie

The Floral Collection Bath Cream Pack, at Marks&Spencer
Pack of 4 Includes: lavender, iris, magnolia and rose Moisture rich Foaming bath cream Magnolia Moisture Rich Foaming Bath Cream 50ml: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Magnolia Liliflora (Magnolia), Glycol Distearate Sodium Sulfate, Laureth-4, Glycerin, Disodium, EDTA, Amyl Cinnamal, Linalool, Butylphenyl Methylpropional, Citric Acid, Benzyl Salicylate, Geraniol, Benzophenone -2, Citronellol, Magnesium Nitrate, Isoeugenol, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Sorbitol, Methylisothiazolinone, Phenoxyethanol, Propylparaben, Methylparaben, Isobutylparaben, Ethylparaben, Butylparaben, CI 14700, CI 19140 Rose Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Rosa Centifolia (Rose), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Benzyl Salicylate, Styrene/Acrylates Copolymer, Citronellol, Linalool, Citric Acid, Magnesium Nitrate, Alpha-Isomethyl Ionone, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Lavender Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Lavandula Angustifolia (Lavender), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Linalool, Butylphenyl, Methylpropional, Magnesium Nitrate, Citric Acid, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Iris Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Glycol Distearate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Citric Acid, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Iris Flrorentina (Iris) Flower Extract, Sodium Sulfate, Hexyl Cinnamal, Linalool, Alpha-Isomethyl Ionone

Flat Front Crease Resistant Trousers, at M & S
Stay smarter for longer with these innovative crease resistant trousers

Classic Collection Swirl Neck Top, at Marks & Spenser
Modern and stylish, this versatile top is made from soft easycare fabric and features swirl neck detail. A fashionable style with a comfortable, flattering fit

Per Una 3/4 Sleeve Pearly Cardigan, at Marks and Spencer
A feminine 3/4 sleeve cardigan featuring an open weave knit and button fastening

Limited Stripe Hat Scarf and Glove Set, at MarksandSpencer
Fashionable and colourful, this hat, scarf and glove set is perfect for chilly days

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the M+S 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 & Contents 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 & Spencer, 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.