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 & Spensers 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 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 Mark's & Spencer are so useful. M&S Finance financial products are, of course, designed to make Marks and Spenser 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household 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 & Spencer 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 & Spencer, 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.

Geometric Print Tie Waist Sarong, at Mark & Spencers
Elegant and sophisticated, this fashionable sarong features a striking geometric print. The ultimate in poolside glamour

Body Formula 24 Hour Extra Rich Body Cream, at Marks and Spencers
Suitable for all skin types Replenishes lost moisture Nourishes and feeds the skin Smoothes and softens Soft care system leaves a velvety feel to your skin 200ml

Big & Tall Twin Pleat Luxury Wool Trousers, at Marks & Spenser
Smart and stylish, these twin pleat trousers are made from fine quality wool with cashmere for exceptional softness. A practical, hardwearing and fashionable choice

Finger Sandwich Selection, at Marks & Spenser
Contains 20 pieces Serves 4-6 5 different fillings Ready to eat As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Kaituna Hills Merlot Cabernet 2007 - Case of 12, at M&S
Style: Medium bodied Grape variety: Merlot and Cabernet Sauvignon Country of origin: New Zealand Closure: Screw cap 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

Older Boys' Permair™ Lace Up Tramline School Shoes, at M&S
Round toe Tramline detail Lace up Flat sole Scuff resistant Permair™ micro porous coating makes the shoes scuff- and water-resistant and easy to clean, while allowing feet to breathe

Bailey Bench, at Marks & Spensers
H45 X W38.3 X L166cm Made from solid wood and features natural characteristics such as knots and variations in grain pattern Timber will age over time and fade to a silver grey colour unless treated regularly with oil Includes plain seat pad in 100% polyester This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Machine Washable Circle Pattern Tie, at Marks and Spencer
No more trips to the drycleaners! This smart circle pattern tie is machine washable

Autograph Spot Print Corsage Camisole, 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

Diamanté Table Decorations, at Marks and Spencer
Set of 12, Manufacturer: Marks & Spencer

Dotty Aunty Bubbly Birthday Card, at Marks & Spencer
Cover text: Have a Bubbly Birthday Aunty x Inside message: Blank for your own message Approx size: 215 x 150mm

4 Ruby Mugs - Red, at Marks & Spencer
Set of 4 Stripe design H9cm, Manufacturer: Marks & Spencer

Blue Harbour Luxury Pure Cotton Bold Stripe Shirt, at Marks & Spenser
Soft, comfortable and very stylish, this luxury shirt is made with fantastic attention to detail

Hastings Triple Wardrobe, at M+S
H188 x W138 x D54cm 3 door wardrobe 1 hanging rail behind double doors 3 shelves behind single door Crafted predominantly from solid pine and fibreboard Delivered flatpack due to size 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

Autograph Pure Silk Floral Tie, at M+S
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

White Rattan 3-Tier Storage Unit, at M+S
3 baskets with hand holes Rattan design Free standing W39 x D34 x H80cm, Manufacturer: Marks & Spencer

Classic Collection Neck Tie Stripe Top, at M & S
Modern and stylish, this versatile top is made from soft easycare fabric and features a pretty stripe design. A fashionable style with a comfortable, flattering fit

Blue Harbour Stormwear™ + Regular Fit Jeans, at Marks and Spencers
These smart jeans are treated with new Stormwear™ +, which combines our unique stormwear finish with a stain repellent technology that'll keep dry and comfortable all day long

Pure Silk Multi Stripe Tie, at M & S
Add a luxurious finishing touch with this contemporary diamond pattern tie in pure silk

Dusk Sparkle Earrings, at Marks & Spencer
Hook fastening Diamant cluster Drop style Silver plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Pasta Salad with Spinach & Pine Nuts, at Marks & Spencer
Serves 8 Ready to eat 700g Not suitable for nut allergy sufferers As featured on page 27 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

Pure Cotton 'The Dog Ate My Homework' T-Shirt, at M+S
Relaxed and fun, this 'The Dog Ate My Homework' t-shirt is made from soft cotton and comfortable to wear. A practical, easycare style

Stainless Steel Pot Strainer, at Marks and Spencer
Crescent shaped drainer Handle Hanging hook This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Abaca Snake Trim Hat, at Marks & Spencers
Luxurious, fashionable and elegant, this pure abaca hat features a modern contrast design to give it a sophisticated look To receive your FREE hat box, simply click on the hat box below and add it to your basket

Autograph Light Control Lace DD-G Body, at Marks & Spenser
Look slimmer in seconds! This light control body gently shapes your figure all over for a smoother, sleeker silhouette. Beautiful exclusive lingerie

Autograph Multi Bead Drop Earrings, at Marks and Spenser
Hook fastening Drop style Multi bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Soft Vanilla Referesher Oil, at Marks & Spenser
Vanilla scented 15ml, Manufacturer: Marks & Spencer

Limited Collection Cotton Rich 3/4 Sleeve Top, at Marks & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

M&S Internet Radio with iPod® Dock, at Marks & Spenser
Access over 11000 radio stations from around the world iPod speaker system with charging and full iPod control Media streaming of MP3/WMA/Real Audio files from mac or PC Podcast and 'listen again' service compatible Electronic alarm clock functionality with sleep and snooze Connect to internet via built-in Wi-Fi or wired LAN Compact remote control Frequency: 802.11b/g. Band III 174-240 Mhz FM 87.5-108.5 Wi-Fi audio files format support: MP3, WMA, Real Audio Speaker: Full range 2.5'' neodymium drive unit, 6 watt class D amplifier Connectors: 3.5mm headphone, 3.5mm AUX IN, stereo RCA Presents: 10 internet radio, 10 FM radio presets LCD display: 2 x 16 character LCD display with icons Power supply: 240V AC to 9V DC external power adaptor Dimensions:H70 x W255 x D120mm Compatable with iPod classic, iPod nano generations 1, 2, 3 & 4, iPod touch generations 1 & 2 * 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

Portfolio Linen Blend Slash Neck Jumper, at Marks & Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Shopping for financial products at M&S Finance 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 Finance website:

• M&S Insurance: M&S Motor Insurance, M&S Household 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 & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Finance in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Finance website.