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 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 Direct:

• 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 Marks & Spensers are so useful. M&S Finance financial products are, of course, designed to make Marks & Spencers 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 Finance 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 Finance Home 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 Finance. Not least of these is Marks & Spensers Standard Motor Insurance. With M&S Finance 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 Finance, 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 M+S Money, you get more, and you pay less.

Damask Floral Pencil Pleat Curtains, at Marks and Spencers
Floral damask design Pencil pleat Lined Comes in standard 168cm/66'' (STD) and wider 219cm/86'' (WDR) 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

Police Vehicles Set, at Marks & Spensers
Suitable for ages 3-6 years 5 police vehicles Die cast police car, van, 4x4 vehicles and a helicopter Imaginative play This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Silver Plated Necklace & Earrings Set, at Marks and Spenser
2 part set Clasp fastening pendant necklace with adjustable length Hook fastening drop earrings Necklace length 41cm, extendable by 8cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Classic Glasses Anniversary Card, at M&S
Cover text: Anniversary Inside message: Blank for your own message Approx size: 175 mm x 125 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Oval Shell Jewellery Set, at Marks & Spencer
3 part set Hook fastening drop earrings Stretch bracelet Clasp fastening necklace Oval shell design Necklace lengths: 43cm, extendable by 7cm For hygiene reasons, refunds will only be given in accordance with your legal rights

High Impact Non-Wired Sports Bra, at Mark's & Spencer
Offering the superior support and control you need for those high energy workouts. This high impact sports bra sets the pace for essential comfort, thanks to an easycare fabric and the shape retaining qualities of added stretch.

Silver Plated Pave Ball Ring, at Marks & Spensers
Large ball design

Handcrafted Valentine's Kisses Bulldog Valentine Card, at Marks & Spencers
Cover Text: Valentine kisses Inside message: Just for you xxx This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Wedding Planner File, at Marks and Spenser
Wedding dress printed cover Ribbon tie Pack contains: 1 planner with various page inserts Approx size: H218 x W165 x D35mm

Mini Brain Builders Card Game, at Marks and Spencers
Number of players: 1+ Suitable for ages 8+ Pack contains: 90 large cards, instructions and card holder Approx. card size: 83 x 116mm This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Wool Rich Slim Fit Single Breasted 2 Button Plain Grey Jacket, at Marks & Spenser
Every man needs a well tailored suit and this one is fantastically priced and fantastically smart too

Short Sleeve Gathered Neckline Top, at Mark & Spensers
This scoop neck top makes a perfect way of getting the smart casual look this season. It has a tie waist detail for an extra touch of stylish chic

Jarhead Blu-Ray DVD, at Marks and Spencer
Rating Suitable for 15 years and over,

5 Pairs of Contrast Toe & Heel Socks, at Marks and Spenser
Perfect for everyday wear, these great value socks feature added stretch to provide a long lasting fit and comfort

Autograph 6 Brush Collection, at Marks and Spencer
Handmade 1x foundation brush 1x blusher brush 1x eyeshadow brush 1x eye crease brush 1x eyebrow/lash comb 1x lip brush

Formula Revival Ultimate Moisturiser, at Mark & Spensers
Week 1 - skin appears more radiant and hydrated Proven to reduce appearance of fine lines and wrinkles in 4 weeks Week 2 - skin tone looks even and fine lines appear smoother Evens skin tone, diminishing the appearance of skin imperfections Week 3 - skin feels firmer Revives and regenerates your skin, revealing a beautiful you Week 4 - the appearance of lines and wrinkles is dramatically reduced, skin feels renewed, revived and radiant Protects skin against environmental pollution Hypoallergenic 45ml

Per Una Printed Stripe Bikini Top, at Marks & Spencer
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

My First Nursery Rhyme Book, at Marks and Spencers
Suitable for ages 0-3 years Classic nursery rhymes to share This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Fashion Floral Trellis Tights, at M&S
Add a stylish touch of chic with these head-turning floral design tights

25 Sweet Bergamot Room Scenters, at Marks & Spencer
25 candles Sweet scented fragrance Burns up to 4 hours, Manufacturer: Marks & Spencer

Per Una Crochet Bikini Top, at Mark & Spencers
Modern and colourful, this flattering bikini top is designed in the latest shape. The ultimate in poolside glamour

Rough Skin Shaver, at Marks & Spenser
Corn plane Pack of 10 replacement blades Corn rasp

Adored Comfort All Over Lace High Leg Knickers, at Marks and Spencers
Soft and pretty, these lace trimmed knickers are made from a soft stretchy blend of modal and cotton

Large Rectangle Face Watch, at Marks and Spenser
Buckle fastening Analogue Rectangle face

5 Assorted High Rise Full Briefs, at Marks and Spencers
These cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Ceramic Pot Pourri Bowl, at Marks & Spencers
Grooved design inside Circular shape Ceramic bowl Weight: 0.650kg, Manufacturer: Marks & Spencer

The Cotton Collection Cotton Stripe Bath Foam & Body Cream, at Marks and Spencer
PH balanced bath foam: 150ml Body cream: 75ml Moisturising body cream

Plastic Egg Slicer, at Marks and Spencer
Produces neat slices of hard boiled eggs Wire slicer, Manufacturer: Marks & Spencer

15 Denier Ladder Resist Sheer Shine Hold Ups, at Marks and Spencer
An M&S exclusive. Extra stretch is added to every stitch of these sheer shine hold ups to stop ladders from forming

M&S Finance 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 Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.