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 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 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 Marks & Spencers are so useful. M&S Finance financial products are, of course, designed to make Mark's & Spencer 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.

Besides Marks & Spencer Motor Insurance, M&S Finance Credit Cards and other financial products, M&S Finance House 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 Finance 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 & Spencer purchases are also protected while you take them home.

Also, on both M&S Finance Premier House Insurance and Standard House 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.

Portfolio Crystal Floral Brooch, at M & S
Floral design Faceted faux gemstones Diamant detail

Single Wick Filled Candle, at Marks and Spencer
Single wick Glass holder, Manufacturer: Marks & Spencer

Dualit Lite 2-Slice Toaster - Black, at Marks & Spencers
36mm extra wide slots for bagels and buns 2-slice toaster 1100 watt High lift mechanism to remove small items easily 6 setting temperature dial Defrost setting and crumb tray Cancel button Bagel button - warms one side and toasts the other Higher wattage for faster toasting, with accurate browning control Easy cleaning with a high quality stainless steel cover Soft Touch non-marking finish Dimensions: H17 x W38 x D20cm 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 , Manufacturer: Marks & Spencer

Suzie Damask Jacquard Pillowcase, at Marks & Spencers
Fits standard pillows Damask jacquard design, Manufacturer: Marks & Spencer

Autograph Multi Pocket Jacket, at Marks & Spencer
This sharply styled casual jacket gives a fashionable urban look. Superior fabric, a contemporary design and exceptional attention to detail make it a must have for this season

M&S 1.5m Gold-Plated HDMI Cable, at Marks & Spencer
1.5 meter cable Conects HDMI to HDMI Gold-plated 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 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

Per Una Linen Blend Water Repellent Mac, at M&S
A smart single breasted mac in cool linen blend fabric, featuring a water repellent coating and concealed button fastening

Twin Stitch Large Purse, at MarksandSpencer
Practical and stylish, this purse features compartments for your cash and cards and a secure popper fastening, making it an ideal choice for everyday use.

Long Sleeve V-Neck Stripe Cardigan & T-Shirt, at M & S
This fashionable layered look is a 2 piece set - a t-shirt and a cardigan both in soft comfortable fabric. Stylish, practical and easycare

Girls' Limited Bold Stripe Tie Cardigan, at Marks and Spenser
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

The Floral Collection Magnolia Bath Cream, at Mark's & Spencer
Foaming bath cream Moisture rich Magnolia fragrance 500ml Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, Decyl Glucoside Sodium Chloride, Parfum, Magnolia Liliflora (Magnolia), Glycerin, Glycol Distearate, Laureth-4, Disodium EDTA, Citric Acid, Benzophenone-2, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Sorbitol, Amyl Cinnamal, Benzyl Salicylate, Butylphenyl Methylpropional, Citronellol, Geraniol, Isoeugenol, Linalool, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Propylparaben, Isobutylparaben, CI 19140, CI 14700

Spiral Cut Cylinder Vase, at Marks and Spencer
Spiral design Cylinder shape Handmade, Manufacturer: Marks & Spencer

Corner Grps - N ABB CNR BRONCO, at Marks & Spensers
Manufacturer: Marks & Spencer

Classic Collection Pure Silk Lightweight Trailing Floral Scarf, at M&S
Add a luxurious finishing touch to your look with this elegant pure silk floral print scarf. The perfect accessory to this season's styles

4 Pairs of Pure Cotton Rib Socks, at Mark's & Spencer
Soft and comfortable, these pure cotton socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Mr Brown's Bad Idea Birthday Card, at Marks n Spencer
Cover text: Clearing out the shed was a bad idea... ...the clutter was the only thing holding the roof up! Inside message: Happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 126mm

Autograph Pure Silk Stripe Tie, at Marks and Spencer
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

Straight Leg Suedette Trim Trousers, at Marks & Spensers
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style

Blue Harbour Pure Cotton V-Neck T-Shirt, at Marks & Spenser
Working well with jeans or joggers, the versatile appeal of this easy to care for pure cotton T-shirt makes it a practical choice for weekend and leisure wear

Classic Collection Pure Cotton Embroidered Cropped Trousers, at Marks & Spensers
An ideal choice for casual everyday wear, these cropped trousers are finished with an embroidered hem. They look stylish worn with knitwear or casual tops in complementary colours

The Pleated Dart Flannel Mini Skirt, at Marks & Spencer
The mini skirt is a classic and a must for showing off great legs! Make a statement in this fabulous red version with fashionable pleats and darts. Keep it contemporary with boots and tights this season

Perfect Autograph Cross Body Leather Bag, at Marks & Spencer
In soft, versatile tan leather, this cross-body bag has all the style and space you need for everyday autumn chic

Chunky Knitted Cushion With Recycled Filling, at Marks & Spenser
Chunky knit 3 button detail 50cm X 50cm, Manufacturer: Marks & Spencer

Ceramic Canoe Potpourri Bowl, at Marks and Spenser
Manufacturer: Marks & Spencer

Multiway Sheer Strap Push-Up Bra, at Marks and Spencer
Whether you wear it strapless, cross-over or conventional, this smart bra offers the best in versatile comfort thanks to a multiway design and gently padded cups. An essential addition to any wardrobe

In Bloom Orchid & Vanilla Hand & Body Creme, at Marks and Spencers
Orchid and vanilla fragrance Softens the skin 200ml

Brushed Metal Bling Wall Clock, at M&S
Round face Standard numerals Brushed metal, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Assorted Face T-Shirt, at Marks and Spencer
Cute and comfy, this practical pure cotton t-shirt features assorted face motif. The shoulder poppers make it easier to dress him

Footglove™ Wide Fit Leather Bow Wedge Shoes, at Mark & Spensers
Round toe Bow and stitch detail Mid wedge heel Heel height : 56mm Slip-on Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Dot Dash Embroidered Bed Set, at Marks and Spencer
2 part set Dot dash design Cloud pattern Embroidered detail Think climate! This can be washed effectively at 30C, find out more Co-ordinate with 50/50 Stone plain dye sheets and pillowcases strokes T352101F,T352101S,T352101P,T352101V, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer 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 House 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 & Spensers, 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.