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, 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

Marks&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 M+S 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 Financial Services 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 Mark's & Spencer insurance products in document format too.

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.

Gardening Collection Books, at Marks and Spencers
This collection includes three great gardening books (Small Gardens, Pots & Containers, A Year in your Garden), a Planning your Gardening Year poster and a handy notebook

Autograph Embroidered Short Sleeve Blouse, at Mark's & Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

V-Shaped Champagne Flute, at M&S
H24cm 17.5cl capacity Coloured glass Dishwasher safe Handmade Wide base V-shaped, Manufacturer: Marks & Spencer

Autograph Large Rollercase, at Marks & Spencer
Free 5 year guarantee Take the hassle out of travel with the practical, easy to transport and stylish design of this spacious rollercase. Perfect for business travel, this case includes a garment carrier and shoe bag Includes free i-trak luggage ID service see details below

North Coast Pure Cotton Zip Funnel Neck Jumper, at Marks and Spencer
Relaxed and casual, this knitted zip funnel neck jumper is made from pure cotton. It's designed to keep its shape and feel soft and comfortable to wear

Aluminium 28cm Frying Pan, at Marks & Spensers
Non-stick interior Even heat distribution Diam: 28cm, Manufacturer: Marks & Spencer

Younger Boys' Pure Cotton Robot Pyjamas, at M & S
Fun and fashionable, these comfy pure cotton pyjamas feature robot motifs

Perform °Climate Control Broad Brim Summer Hat, at Marks and Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology. Perfect!

Photographic Humour Calendar, at Marks & Spencers
Dimensions: 150 x 400mm

Straight Leg Flat Front Plain Suit Trousers, at Marks and Spenser
Smart and classic, these flat front trousers are outstanding value. A practical and hardwearing easycare style

3/4 Sleeve Contrast Knit Cardigan, at M&S
Modern and stylish, this cardigan features a chunky knit. A versatile, easywear style

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

Petite Pure Cotton Funnel Neck Coat with Belt, at Mark & Spencers
Modern and stylish, this funnel neck coat features flap pockets. A contemporary style in superior fabric, it will instantly update your wardrobe. Specially designed and perfectly proportioned for the petite frame.

Handcrafted Photographic Pugs, at Marks & Spencer
Cover Text: Valentine I'll still love you, even when you're covered in wrinkles Inside Message: Happy Valentine's Day Approx size: 178 x 127mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Autograph Pure Cotton Long Sleeve Twill Stripe Shirt, at Marks and Spenser
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail makes it a superior and stylish modern classic

Abalone Pendant Necklace & Drop Earrings, at M&S
Multi bead pendant necklace with clasp fastening Hook fastening earrings Abalone design

Handbag Mug, Tray & Coaster Gift Set, at Marks & Spencer
Contains: 1 mug, 1 coaster, 1 tray Handbag design Mug height: 10.5cm Coaster dimensions: 10.5 x 10.5cm Tray dimensions: L21 x W14 x D1.5cm, Manufacturer: Marks & Spencer

Hepworth 7-Drawer Tall Chest, at Marks and Spencer
H111 x W50 x D54cm With 7 drawers Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Side and back panels are veneered Top panel is veneered with solid birch edging for strength Drawer boxes made from solid European Birch. Drawers made from veneers Solid European Birch legs 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

Thin Frame Tinted Reading Glasses, at Marks & Spencer
Marks and Spencer reading glasses have optical quality magnifying lenses to aid close work and reading

Classic Collection Paisley Print Skirt, at M&S
Elegant and feminine, this printed skirt is cut to drape beautifully and flatter your figure. The lovely colours in the print coordinate perfectly with the plain tops in the Classic range, making it easy to put stylish outfits together

Pure Chronos iDock Radio, at Marks & Spenser
DAB digital and FM clock radio with iPod Dock IPod support: Dock supports iPod Classic, iPod Nano 3rd generation (video), iPod Touch, iPod mini, iPod with colour display, iPod 4th generation, iPod nano, iPod nano 2nd generation, iPod with video (5th generation). Supports iPod shuffle, iPod shuffle 2nd generation and iPod 1st, 2nd and 3rd generation via auxiliary input Frequency ranges: Band III 174-240 MHz, FM 87.5-108 MHz Speakers: Two 3" x 1.5" custom-wound oval drive units Input connectors: 9V DC power adaptor socket (230V supplied). 3.5mm Line-in for auxiliary devices. iPod connector with adapters Output connectors: 3.5mm stereo output for headphones Controls: Power on/standby, sleep, source, tune/select, menu, alarm, info, presets, volume, play/pause, stop, fast forward, rewind and snooze Remote: Infrared remote control, browse and play tracks stored on your iPod via remote control LCD display: LCD display with 16x2 characters, plus additional function icons (volume, time, alarms, signal strength, source selected, repeat and shuffle) and large clock. Features adjustable backlight (active and standby mode) with auto-dimmer Mains power supply: 230V AC to 9V DC external power adapter Aerial: Wire aerial attached Alarm: Four independent alarm settings, with wake to tone, DAB, FM or iPod Light sensor: Automatically adjusts the display brightness to suit the light levels in your room Text scan: Pause and control scrolling text RDS: RDS support for station name display on FM and RDS scrolling text 30 Presets: 30 combined DAB and FM presets in a combined list Dimensions: H12.5 x W19.5 x D18.5cm 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

In Bloom Orchid & Vanilla Moisure Rich Body Wash, at Mark's & Spencer
Body wash Orchid and vanilla fragrence Moisture rich 225ml

Tapestry Throw, at Marks and Spencer
Tapestry design Tasselled corners, Manufacturer: Marks & Spencer

Cotton Rich Contrast Stitch Bootleg Jeans, at Marks and Spencer
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Maxim Coffee Pot, at Marks & Spencers
Suitable for everyday use Versatile fine dining range Pure white porcelain Removable lid Oversized handle 1 litre capacity H22cm, Manufacturer: Marks & Spencer

Pure Cotton Ruffle Front Jersey Top, at Marks & Spencers
Smart and stylish, this jersey top is made from cool comfortable cotton and features a ruffled front

Pure Linen Short Sleeve Shirt, at M & S
Comfortable and versatile, this pure linen short sleeve shirt is a classic style, perfect for warm days

Silver Tree Shiraz 2007 - Case of 6, at Mark & Spensers
Style: Full bodied Grape variety: Shiraz Country of origin: South Africa Closure: Natural Cork Suitable for vegans Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Sony DAV-DZ280 Home Theatre System with iPodŽ Dock, at Marks and Spencer
DVD player CD player iPod/iPhone™ dock 5.1 channel surround sound system with 850W total power output 3 HDMI™ inputs 6 speakers Sony DIGITAL MEDIA PORT - connect to and release digital music stored on your WALKMAN or other mp3 players, mobile phones, Bluetooth and Wi-Fi devices Built-in upscaler generates a 1080p signal via HDMI™ cable for superb picture quality on your High Definition TV Progressive scan USB interface Dolby Digital, Dolby Prologic II and DTS Decoding FM radio tuner with RDS and 30 station presets Portable Audio Enhancer function - improves the sound quality of compressed music such as MP3s DCAC - one-push automatic sound set-up for flexible speaker placement and optimum sound quality New Precision Cinema HD Upscale technology that converts standard-definition signals (480i) to 1080p and outputs a full HD equivalent resolution signal to 1080p TVs via HDMI™ BRAVIA Sync for simple, integrated control with your BRAVIA TV and other compatible products using only one remote Dimensions (main unit): W43 x H6.6 x D3.9cm Weight: 12.3kg 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

Vienna Collection - Table Lamp with Glass Curtain Shade, at M & S
Facetted glass curtain shade Chrome plated base Dimensions: H48 x Diam16cm Bulb: 60W GLS or 11W CFL, Manufacturer: Marks & Spencer

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 & Spencers are so useful. M&S Finance financial products are, of course, designed to make Marks and 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.