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, Sainsburys, 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 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 Spencers are so useful. M&S Financial Services financial products are, of course, designed to make M & S 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 Financial Services 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks n Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (Home Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spencer insurance products in document format too.

Per Una Essentials Modal Blend Spot Print DD-G Bra, at Mark's & Spencer
Elegant and feminine this stylish bra is made from a soft comfortable modal rich fabric. Soft padding and underwiring give support and an enhanced natural shape. Pretty everyday fashion

Large Handmade Mum & Dad Anniversary Card, at Mark & Spensers
Cover text: Mum & Dad, Happy Anniversary Inside message: With lots of love Approx size: Unfolded: 220 x 220mm

Marble Collection Tumbler, at Marks and Spencers
Cylinder shape Marble Round base H10cm x W6cm x L6cm, Manufacturer: Marks & Spencer

3 Autograph Younger Boys' Pure Cotton Classic Trunks, at Mark & Spensers
Comfortable, practical and fashionable, this pack of 3 classic trunks is made from soft breathable cotton

Wavy Stripe Tankini Top, at Marks and Spenser
Pretty and feminine, this flattering tankini is designed in the latest shape. The ultimate in poolside glamour

15 Denier Ladder Resist Shine Toe Tights, at Marks & Spencer
An M&S exclusive. Extra stretch is added to every stitch of these sheer shine tights to stop ladders from forming

Maternity Halterneck Tankini Top, at Marks & Spencers
Fashionable and modern, this halterneck tankini top is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

100 Cocktail Sausages, at Marks & Spencers
Contains 100 pieces Serves 20 Ready to eat Suitable for freezing 2 x 500g As featured on page 16 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

Black Aluminium Wok, at Marks and Spencer
Dimensions: diameter 30cm Non stick aluminium Soft touch silicone grips for style and comfort Always use wooden or plastic utensils to prevent scratching the non stick surface, Manufacturer: Marks & Spencer

Autograph Light Control Guipure Mesh Briefs, at Marks and Spencer
Look slimmer in seconds! These light control knickers gently flatten tummies for a sleeker, slimmer silhouette

Casa Leona Chardonnay 2008 - Case of 12, at Marks & Spenser
Style: Dry Grape variety: Chardonnay Country of origin: Chile Closure: Synthetic closure 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

Embroidered Tiger Knit Shawl, at Marks & Spencers
Soft and comforting, this snuggly shawl features a cute embroidered tiger design and scalloped edge. Perfect for bedtime, or as a light layer during the day

Leather Coated Four Way Reversible Belt, at Mark & Spensers
Add a smart finishing touch with this leather coated four way reversible belt

PlayStation®3 Need for Speed: Undercover, at Marks n Spencer
Go Deep Undercover: Race into an action-packed story of pursuit and betrayal. Take on jobs and compete in races to prove yourself as you infiltrate and take down an international crime syndicate Highway Battle: Fight off the cops and others as you take down your prey in high-speed, high stake multi-car chases. New and vastly improved A.I. mechanics mean more aggressive and intelligent cops focused on taking you out fast and by any means necessary Own the Open World: Tear across the massive highway system and discover the open world of the Gulf Coast Tri-Cities area, with three unique cities connected by an extensive highway system Heroic Driving Engine: An all-new game engine lets you pull off amazing moves for the ultimate driving edge. 2007 Sony Computer Entertainment Europe 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 You must be 12 years of age or over to purchase this product This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, ESRB Rating: Teen

Younger Girls' Abstract Print Footbed Sandals, at Marks & Spencer
Double front buckle fastening Heel buckle Abstract print design Flat sole Contrast comfort lining

Animal Sticker Book, at M&S
This sticker book will keep them busy as they look for an incredible 1000 stickers inside! Locate the 1000 stickers and fit into the right slots on cute animal activities

Airflex™ Wide Fit Raised Tramline Lace Up Shoes, at Marks and Spenser
Square toe Stitch detail Lace up Raised tramline Block heel Unique Airflex™ airflow system for unbeatable comfort Wide fit

Hand Made Slippers & Paper Card, at Marks & Spenser
Handcrafted card featuring fluffy slippers and newspaper Cover reads: Relax on your Birthday Inside message: with a cup of tea and your favourite paper Approx size: 125 x 178mm

Unforgettable Walks to Take Before You Die, at Marks and Spencers
Unforgettable Walks to Take Before You Die is the fifth title in an exciting series of books that will help you search out essential sights and experiences around the world. Photographers and writers Steve Watkins and Clare Jones draw on their years of international travel experience in selecting thirty of the world's most inspiring, spectacular and beautiful walks, each of which can be done within the space of a two-week break. Their choices include a wide range of locations, from urban walking tours along Boston's Freedom Trail and the stunning temples of Kyoto, to the open countryside of the Yellowstone National Park in the USA and Peru's Inca Trail. There are leisurely jaunts, such as Frank Lloyd Wright's Fallingwater property and a stroll around the picturesque canals of Amsterdam, as well as a few demanding walks, such as the Alpine Tour du Mont Blanc and China's Tiger Leaping Gorge trek, for those who like a challenge.

Kerpow Glow in The Dark Bedset, at Marks and Spencer
Wham pow print Set includes single duvet cover and 1 pillowcase, Manufacturer: Marks & Spencer

1 Pair of Cotton Rich Footsies, at Marks & Spencers
These soft cotton rich footsies are designed to hide inside your shoes for extra comfort

Maternity Cotton Rich Hooded Top, at Marks and Spencer
Relaxed and casual, this hooded top is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. An essential fashion favourite

Leaf & Buds Cushion, at Marks & Spencer
Square shape Leaf print L50 x W50cm, Manufacturer: Marks & Spencer

Lavender Lantern Candle, at Marks and Spencers
Lavender fragrance Natural and decorative botanicals Burns up to 4 hours, Manufacturer: Marks & Spencer

Circular Broderie Design Short Sleeve Jacket, at Marks & Spencers
A softly curved hem is offset by delicate circular broderie and a fitted structured shape. Delivering a smart feminine finish to this gorgeous jacket

Cookie Mummy Birthday Card, at Marks and Spencer
Cover text: To my Yummy Mummy Inside message: Blank for your own message Approx size: 150 x 150mm

Bare Cooling Sheer Hold-Ups, at Marks and Spencer
Never lose your cool again in warmer weather with our Bare Cooling hold-ups. Crafted from a revolutionary Japanese yarn, their incredibly lightweight design releases a cooling sensation to your legs as you wear them

Fragranced Pot Pourri Bag, at Marks and Spencers
Add a fresh aroma to any room in the home with the fruit fragrance of this wonderful pot pourri

Autograph Modal Blend Pyjama Bottoms, at Marks & Spensers
Create your own look by mixing and matching these plain pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Talladega Nights Blu-ray DVD, at Marks & Spencers
Rating Suitable for 18 years and over,

When you're shopping at Mark's & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Financial Services. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Financial Services. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Financial Services, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Financial Services website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."