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 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, 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.

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

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.

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.

Travel Iron, at Marks&Spencer
Small and compact with a foldable handle Ideal for removing suitcase creasing This product is not available for international delivery. Find out more

Artificial Poppy in Square Glass Vase, at Marks & Spenser
Artificial poppy Square glass vase Height: 41cms, Manufacturer: Marks & Spencer

Stripe Zip-Up Fleece Jacket, at Marks and Spencer
An essential part of any wardrobe, this great value zip-up fleece is warm and cosy. A fashionable and practical choice

Per Una Ditsy Floral Drop Earrings, at Marks and Spenser
Hook fastening Drop style Ditsy floral design For hygiene reasons, refunds will only be given in accordance with your legal rights

Plain Flip Flops, at Marks and Spencers
Plain Flat sole

Autograph Leather Faux Fur Biker Boots, at Marks and Spencers
Round toe Stitch detail Buckle fastening Faux fur Block heel Heel height: 35mm Comes in sizes 3-8, including half sizes

Sony 32GB WALKMAN® MP3 Player, at Marks and Spenser
Digital Noise Cancelling delivers amazing audio fidelity while blocking out external ambient noise (total suppression ratio of 17dB / 98%) Select Noise Cancelling manual settings for bus, plane, train or office to match your environment; or Quiet Mode for any usage S-Master Digital Amplifier for crystal clear sound with no distortion or analogue signal errors - putting you centre-stage in the studio or concert hall Clear Audio Technologies reproduce sound that's as true to the original source as it can be, for a mind-blowing listening experience Clear Stereo and Clear Bass deliver a perfectly precise and clear sound, cutting out audio distortion whatever the volume DSEE restores sound quality lost during file compression, recreating high frequencies as close to the original recording as possible 13.5mm EX earbud headphones for balanced rich sound quality, with unique closed and air-tight fit giving you deeper bass Five band equaliser and VPT to customise music settings Open format support for all major file types includes MP3 / MP4 / WMA / AAC / Linear PCM / AVC / WMV / JPEG 3" full colour OLED touchscreen display for razor-sharp, ultra-bright video playback in incredible detail and clarity (WQVGA 432x240 pixels / 262,144 colours) 32GB storage holds up to 8,000 tracks (128kbps mp3) or over 120 hours video playback (at 384kbps) OLED (Organic Light Emitting Diode) technology for 100% colour reproduction, 10000:1 contrast ratio and wider viewing angles (up to 180 degrees) OLED technology for super-quick response times (0.1ms) - giving you breathtaking results on screen, even with fast-moving action scenes like sports Continuous playback for 33 hours of music and 9 hours of video Hi-speed USB port, and easy charge (3 hours full charge) Music searching by album, artist, genre, release year, playlists and folder Video playback includes scene scroll, to stop and start content using intelligent touchscreen technology Put your own soundtrack to photo playback, and create your own wallpaper using stored images Import, preview and transfer music, photos and videos straight from your computer to your WALKMAN player with Content Transfer software Quick start guide, USB cable, audio input cable and plug adaptor for in-flight use supplied Dual hybrid touchscreen and button operation, for easy control on the move Pre-installed and customisable wallpaper graphics Surf the web with built-in Wi-Fi: On-board connectivity lets you stream YouTube™ clips and podcasts

Los Nucos Shiraz Cabernet Rosé 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Shiraz & Cabernet Sauvignon Country of origin: Chile Closure: Synthetic closure Bottle: 12 x 75cl Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Silia Rosé 2008 - Case of 12, at Mark's & Spencer
Style: Medium to full bodied Grape variety: Nero d'Avola Country of origin: Italy Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Auto Movement Mantle Clock, at Marks & Spencers
Square shape Roman numerals Exposed cog design, Manufacturer: Marks & Spencer

Jacquard Guipure Non-Padded Underwired Minimiser Bra, at Marks and Spencer
Soft and comfortable, this minimiser bra de-emphasises your bust with gentle shaping. A flattering, supportive style

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & F400 Pocket Memory Foam Mattress with Coolmax° - Medium, at Marks & Spencer
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 25cm Divan height: H41cm Large drawers: H14 x W78 x D52cm, small drawers: H14 x W40 x D52cm Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support Mattress spring count: 1225 Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

M&S HP 28 Compatible Cartridge, at Marks & Spencer
Colour cartridge Compatible with HP printers using HP 28 For use in deskjet: 3320, 3325, 3420, 3425 series, 3520, 3535, 3550, 3645, 3650, 3745, 3845, 5550, 5551, 5650, 5652, 5655, 5850 For use in officejet: 4105, 4110, 4215, 4219, 4252, 4255, 6110 For use in PSC: 1100, 1200, 1205, 1210, 1215, 1217, 1219, 1310, 1311, 1312, 1315/s, 1317, 2110, 2210, 2150 For use in photosmart: 7150, 7350, 7550 This cartridge is not an original product but has been re-manufactured and re-filled to the most exacting technical standards 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 *Must be returned with the tamper seal intact for full refund

Portfolio Pleated Tulip Skirt with Belt, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Freshfeet Warm Lined Apron Moccasins, at Marks and Spenser
Round toe Stitch detail Flat sole Slip-on Lined With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Mother of Pearl Photo Frame 13 x 18cm (5 x 7''), at Marks and Spencers
Mother of pearl border Rectangle shape Aperature: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Microsoft Wireless Keyboard 1000 Set, at Marks and Spencers
Optical sensor Spill-resistant design 6 month battery life Windows Vista, Windows XP and Windows 2000 compatible Includes mouse, keyboard and receiver 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

Sonoma Extending Dining Table & 6 Alton Scroll Back Chairs Set, at M&S
7 piece set Table: H75 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Chair: H103 x W55 x D66cm Made from solid oak with antiqued leather scroll back seat Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Chairs frames made from solid wood Top panel is veneered with solid Oak edging for strength 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

Older Boys' Bump Toe Boots, at M+S
Round bump toe feature Triple riptape straps Stitch detail Grip sole

3 Piece Mr Noisy Outfit, at Mark & Spensers
Fans of Mr Men will love this 3 piece outfit featuring Mr Noisy. Fun, practical and great value

Autograph Single Breasted 3 Button Jacket with Wool, at Mark's & Spencer
Luxurious and elegant, this smartly tailored jacket is part of our exclusive Autograph range

True Red Eau De Toilette Purse Spray 25ml, at Marks & Spencers
25ml eau de toilette This product is not available for international delivery. Find out more

Autograph Puccini 2 Seater Sofa, at Marks and Spencer
H66 x W166 x D80cm Seat H22.5cm Aluminium frame Suitable for all-weather use Includes plain seat pad Handwoven synthetic rattan This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Easy Vegetarian Baking, at Marks & Spencers
Perfect too cook up after a hard day at work, these easy bake vegetarian recipes are not only simple and quick, but they're fresh, delicious and healthy. There are meals for on-the-move, chill-out sessions and snacks for you to enjoy

Flowers by Post - 14 Exotic Orchids, at Marks & Spencer
These 14 vibrant dendrobium orchids offer a touch of eastern charm. Flowers by Post is a great value way to spoil someone you know - or yourself

Paddington Bear, at Mark & Spencers
Join Paddington and the Browns as they start their adventures at Paddington Station and relive the classic story in this charming picture book

Autograph Milan Towel Rack, at Mark & Spensers
Double tier towel rail Square detail Chrome Towel rail dimensions: W49.6 x H7 x L12.87cm, Manufacturer: Marks & Spencer

Autograph Tie Waist Sequin Prom Dress, at Marks & Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Ultimate Non Iron Pure Cotton Neutral Stripe Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Floral Cosmetic Bag & Purse Set, at Marks and Spencer
2 part set Floral print cosmetic bag with zip fastening Floral trim purse with zip fastening Lined

Shopping for financial products at M&S Financial Services 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 Financial Services website:

• M&S Insurance: M&S Motor Insurance, M&S Home 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 Mark's & 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.