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 Mark & Spencers 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.

When you're shopping at Marks and 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 Property Insurance and Motor Insurance, there's a lot more going on at Marks & Spenser 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spencers Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & Spensers, 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 Finance, you get more, and you pay less.

Butterfly Tag Card, at Marks and Spencers
Cover Text: Birthday wishes Inside Message: Blank for your own message Approx size: 150 x 150mm

2 Pure Cotton Assorted Design Pyjamas, at Marks & Spencer
Cute and comfy, this 4 part set of pure cotton pyjamas featuring 2 tops, full length bottoms and a pair of shorts is an outstanding value

Polka Dot Baby Doll Dress and Bag Birthday Card, at Marks & Spenser
Cover Text: Birthday Boutique Happy Birthday Inside Message: Blank for your own message Approx size: 210 x 145mm

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

Per Una Pure Silk 3/4 Sleeve Maxi Dress, at Mark's & Spencer
Pretty and feminine, this long length dress is stylishly detailed with an animal print and flared hem

2 Shark & Stripe Swim Shorts, at Marks and Spencer
Perfect for holidays or school swimming lessons, these practical swim shorts in stretch fabric feature shark and stripe designs

Pure Cotton Edged Gingham Shirt, at Mark's & Spencer
Smart and stylish, this edged gingham shirt is made from pure cotton

Large Serene Bouquet, at M+S
An exquisite display of white blooms including Hydrangea, Alstroemeria, Lilies and Roses, beautifully backed by mixed foilage with 50% more blooms than the standard Serene Bouquet Available for delivery between 1st April to 30th September 2009

Centre Stitch Mid Heel Stretch Boots, at Marks & Spenser
Round toe Centre stitch design Knee high Pull on Mid heel Lined Heel height: 7cm Comes in sizes 3-8, including half sizes

Catseye Goblet Necklace, at Marks and Spenser
Catseye pendant Adjustable length Lobster clasp fastening Necklace length: 53cm

Short Sleeve Wavy Knitted Shirt, at Marks n Spencer
Smart and stylish, this wavy knitted shirt is made from stretch fabric for a flattering and fashionable fit

Pure Cotton Long Sleeve Pleated Shirt, at M&S
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a contemporary pleat detail

Glass Boxed Mirror Photo Frame 13x18cm (5 x 7"), at Mark's & Spencer
Plain glass boxed mirror photoframe Aperture: 13x18cm (5x7") H32 x W 26.5cm, Manufacturer: Marks & Spencer

Patterned Panama Summer Hat, at M & S
Created from sturdy woven straw, it is the perfect addition to any Man's summer wardrobe, perfect for any occasion this patterned summer hat has the classic diamond crown with pinch front and is accented by a band trim

Autograph Pure Cotton Floral Dress with Tights, at M & S
Practical and pretty, this cute dress and tights are made from soft cotton fabric to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Bamboo Pumice Stone and Nail Brush, at M&S
Pumice Stone Short bristle Wooden handle Rope detail

Boy Images Multipack of Card, at Marks and Spencer
Cover text: Design 1 - happy birthday Design 2 - blank Design 3 - happy birthday Pack contains: 9 cards, 3 designs Approx side: 120 x 120mm

2 Piece Autograph Check Pinafore Outfit with Wool, at Marks and 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

Younger Girls' Dora The Explorer Lunch Box, at M & S
Cute and fun, girls will love this Dora the explorer lunch box. An ideal gift

Metallic Square Face Watch, at Mark & Spencers
Square face Buckle fastening Analogue Metallic

Mini Limited Flouncy Skirt, at Mark's & Spencer
Cute and fun, this flouncy skirt is part of Mini Limited, a fashionable collection designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Per Una Woven Neck Bib Top, at Marks & Spencers
An elegant short flared sleeve top featuring a ditsy print and woven neck bib

Hannah Montana Range Set of 3 Pens, at M&S
3 ballpoint pens Hannah Montana design 135 x 10mm Disney

Stripe Detail Plastic Sunglasses, at Marks and Spencers
With full UV protection and a flattering modern design, these smart sunglasses will see you through the summer in style

Classic Collection Stripe Straight Leg Trousers, at MarksandSpencer
Smart and stylish, these straight leg stripe print trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

2 Autograph Plain Trunks, at Marks & Spensers
They're made from a cotton modal mix so you can enjoy the best in soft, lasting comfort

Sprung-Edge Non-Storage Divan & Autograph M500 Mattress - Firm, at Marks & Spensers
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Firm Control Smooth Magic High Leg Knickers, at M&S
These knickers work like magic with targeted control areas to shape you where you need it most - flattening tummies and lifting bottoms for a sleek, streamlined silhouette. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Animal Print Scarf Trim Hat, at M&S
Keep cool and stylish with this wide brim hat featuring an animal print scarf

Margaret River Semillon Sauvignon Blanc 2007 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Semillon and Sauvignon Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 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

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Motor Insurance, but Marks and 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 Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct 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 Property 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 (Property 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 & Spencers insurance products in document format too.