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 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 Tescos 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 M&S are so useful. M&S Finance financial products are, of course, designed to make Marks and 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, House Insurance policies. Usually, UK House 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 House 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 House Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your House Insurance or Motor Insurance, but Mark & Spencers 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 Finance website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or House Insurance - besides a number of other insurance products, M&S Finance 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 Finance insurance products (House 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 M&S insurance products in document format too.

Autograph Pure Cotton Stripe Roll Sleeve Shirt, at M&S
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

Cotton Rich Contrast Trim Plain Shorts, at M&S
These cotton rich shorts are shapely and modern. They have been designed with added stretch for a snug, comfortable and figure-flattering fit

Autograph Pure Cotton Corduroy Straight Leg Trousers, at Marks & Spencers
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

Prosecco & Chocolates, at Marks & Spenser
Prosecco Raboso Ros Cocoa dusted Belgian Truffles (140g) Presentation box Glass not included Price includes delivery Available for delivery from 1st April to 30th June 2009 Looking to place a corporate bulk order? Please call 0845 6020602 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Single Pleat Stretch Trousers with Wool, at Marks & Spenser
A casual single pleat combines with a distinguished shade of grey, creating a versatile and elegant pair of formal trousers. Added stretch ensures a practical and timeless fit perfectly suited for the workplace

Underwater Stamper Book, at Marks & Spencers
Meet dolphins, whales and mermaids in this action-packed activity book! The brightly coloured pages are filled with activities to finish with the stampers. Children will love to learn with this fun-to-use stamper activity book

Gold Plated Tear Drop Earrings, at Mark's & Spencer
Tear drop design Drop style Hook fastening This product is not available for international delivery. Find out more For hygiene reasons, refunds will only be given in accordance with your legal rights

Sonoma Dark Media Unit, at Marks & Spencer
H48 x W120 x D50cm Equipment space: H11 x W110 x D49cm Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Handles made from solid wood Shelves made from White Oak veneer Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Legs made from solid hardwood 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Perfect Sonoma Extending Dining Table & 6 Slat-Back Chairs Set, at Marks&Spencer
7 piece set Table: H76 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Set of 6 slat-back dining chairs Made from solid oak with leather seat Chair: H87 x W49 x D56cm Seat: H48cm Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Side and back made from White Oak veneer 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Luxury Single Breasted 2 Button Plain Jacket, at Marks and Spencers
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Blue Harbour Pure Cotton Cassette Print T-Shirt, at Marks & Spensers
Casual and contemporary, this pure cotton t-shirt gives a relaxed modern look

Autograph Bow Ballet Slippers, at Marks & Spensers
Round toe Front bow Flat sole Comes in sizes 3-8

Weave Print Oval Sunglasses, at Marks and Spencer
Bold, dark and oversized, these stunning shades are a fabulous choice for embracing this season's love affair with classic glamour

Pure Cotton 3/4 Sleeve Striped Blouse, at Marks and Spencer
Bring some casual elegance to your wardrobe, with this 3/4 sleeve blouse, that features pleat detail at the neckline giving it an extra stylish twist

Pure Cotton Funnel Neck Stitch Detail Belted Coat, at Marks & Spencers
Update your look with this fashionable funnel neck belted coat. A contemporary style that will bring a fresh twist to smart and casual looks.

Shady Grove Cabernet Sauvignon - Case of 6, at Marks and Spencer
Style: Full Bodied Grape variety: Cabernet Sauvignon Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Autograph Illusions Illuminating Complexion Primer Balm, at Marks & Spencer
Hypo-allergenic Boosts radiance with light-illuminating particles Firms, smoothes and brightens Suitable for use under make-up Oil Free 30ml

Wood Collection - Tapered Bin, at MarksandSpencer
Round design Box combing joints Wooden H30.5 x W26 x D26cm, Manufacturer: Marks & Spencer

Platinum Plated Jenny Rock Ring, at Marks & Spencers
Platinum plated Cubic zirconia stone

Long Shell Necklace, at Marks and Spencer
Assorted shell stones Long length Necklace length 80cm

Portfolio Long Sleeve Belted Jacket, at Marks & Spensers
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Footglove™ Leather Ankle High Buckle Boots, at Marks and Spencers
Square toe Stitch detail Buckle detail Zip fastening Block mid heel Heel height: 50mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Laser Cut Champagne Flutes Wedding Card, at Marks & Spensers
Cover text: a toast to love, wedded bliss, together husband & wife, wedding, Love cherish, celebration, forever, true love, romance, happy couple, On you wedding day Inside message: With love on your special day Approx size: 230 x 114mm

Gold Label Chardonnay 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Synthetic closure Suitable for vegetarians 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

Whole Scottish Lochmuir™ Salmon, at Marks&Spencer
Serves 6-8 Ready to cook 2kg 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

Ashton Dressing Table & Stool Set, at Marks & Spencers
2 piece set Dressing table: H112 x W78 x D45cm 3 drawers Stool: H50 x W47 x D39cm Made from solid poplar and rubberwood 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 Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3/4 Sleeve Ruffle Henley Neck Jumper, at Marks & Spenser
Elegant and stylish, this jumper features a ruffle neckline detail. A smart modern look

Perfect Autograph Wool Rich Single Breasted 2 Button Jacket, at Mark's & Spencer
Style is all in the detail. This suit has square shoulders and slanted pockets to slim the waistline and give a modern fit, while the bold contrast lining adds extra chic

Blue Harbour Pure Cotton Double Stripe Polo Shirt, at Marks and Spencer
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Autograph Feather Bow Headband, at Marks & Spencer
Keep tumbling tresses off your face with this stylish bow and feather headband

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 House 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 House 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.