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 & 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, Sainsbury's, 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks and 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 Buildings 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 (Buildings 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 & Spencer insurance products in document format too.

M&S Financial Services 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 Buildings 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 Buildings 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 Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

St Chinian Syrah des Garrigues 2005 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Cotton Rich Assorted Design Bikini Knickers, at M & S
A great value pack, ideal for everyday wear. This pack may contain a mixture of designs and colours. See Click for zoom and other views

Autograph Daisy Print Tie, at Marks and 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

Collezione Pure Wool Single Breasted 2 Button Eveningwear Jacket, at Marks & Spencers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Maximum Support Sheer Bra, at M&S
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

Autograph Leather Seam Biker Jacket, at Marks and Spencers
Biker jackets are a key look this season, and this leather style makes a fashionable choice

Ultimate Pure Wool Flat Front Stripe Trousers, at Mark & Spencers
This high performance suit is made to work as hard as you do. It's extra durable and added stretch keeps it in great shape while giving you enhanced comfort and ease of movement

Test Item Name 1, at Marks & Spencer
Release Date: 2008-10-23, Rating Suitable for 15 years and over,

Retractable Blusher Brush, at Marks & Spencers
Retractable brush Diamant detail

Pure Silk Enchanted Floral Cushion, at Marks and Spenser
Square shape Enchanted floral pattern Hand sequins detail Chiffon applique with feather inner L50 x W50cm, Manufacturer: Marks & Spencer

Collections - N/O LANTERN, at M & S
Manufacturer: Marks & Spencer

Autograph Essentials V-Neck Cardigan, at Marks and Spencers
Sophisticated and modern, this v-neck cardigan has been designed for a luxurious feel and a flattering, fashionable look

Sleeveless Chambray Shirt Dress, at M+S
Fashionable and modern, this chambray dress features button fastening and a tie waist detail. A flattering, stylish look

Pure Cotton Long Sleeve Ribbed Yolk Cardigan, at M&S
Casual and contemporary, this pure cotton cardigan is outstanding value

2 Older Girls' Heart Trim Crop Tops, at Marks & Spencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Autograph Pure Cotton Bomber Jacket, at Mark & Spencers
Beautifully designed and finished, the classic bomber jacket is given a modern update with contemporary styling

Autograph Cotton Rich Mock Layer Dress and Tights Outfit, at Marks & Spensers
Practical and pretty, this cute 2 piece outfit is made from soft cotton to keep her feeling comfy and happy. With luxury in every detail, this is part of our exclusive Autograph collection

Sapporo Bookcase, at Marks & Spencer
H180 x W80 x D37cm Made from solid bamboo and bamboo veneer Finished with a matt lacquer that provides the pieces with extra protection and durability Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the ite 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

125 Years Gift Card, at Marks & Spensers
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Autograph Leather Knee High Riding Boots, at Marks & Spencers
Almond toe Stitch detail Knee high Small block heel

Autograph Apron Derby Lace-Up Shoes, at Mark's & Spencer
Square toe Lace-up Apron design 3 eyelets Block heel

Long Sleeve Bold Stripe Knitted Dress, at Marks and Spencers
Soft and comfy, this long sleeve dress is made from cotton blend fabric and features bold stripe print. A fashionable easycare style

Castillo del Moro Tempranillo Syrah 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: 85% Tempranillo and 15% Syrah Country of origin: Spain Closure: Screw Cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Sweetie Stretch Bracelet, at Marks and Spencer
Stretch style Multi bead design

M&S Combo Corded & Cordless Phone with Answering Machine, at Marks & Spensers
Up to 9 hours talk time and 150 hours standby Large 3 line display on base 300 name and number phonebook (150 on corded, 150 on handset) 3 direct memory on corded base Up to 14 minutes digital recording time and remote access Handsfree speakerphone Caller display stores information on the last 20 calls 10 ringer melodies Last 10 number redial Adjustable earpiece, ringer and speakerphone volume Interference free 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

The Sword In The Stone/Robin Hood Special Edition DVD Set, at Mark's & Spencer
Rating Universal, suitable for all,

Silver Plated Interlocking Wave Necklace & Earring Set, at Marks & Spencer
2 part set Hook fastening drop style earrings Clasp fastening necklace with pendant Interlocking wave design

Cotton Rich Micro Spot Summer Trilby, at Marks and Spencer
This season's hottest hat is the trilby, making this example the perfect way to get the look. It's stylishly detailed with contrast trim detail and looks fantastic with this season's styles

Ingredients Almond Hand Cream, at Marks and Spencers
Almond scented 75ml

Limited Collection Cotton Rich Studded Trim T-Shirt, at Marks & Spencers
Part of Limited Collection's Club Rio trend - get tropical in a heady mix of hot, sun-drenched hues and modern graphic prints with fresh white accents. A fashion-conscious holiday look

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