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 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, Sainsbury's, 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 MarksandSpencer 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 Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer 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."

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

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

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

Photographic Better Half Anniversary Card, at Marks & Spencers
Cover Text: To my better half on our anniversary Inside Message: On our anniversary with love Approx size: 176 x 126mm

Hamilton Footstool, at Marks&Spencer
H29 x Diam 72cm (all dimensions are approximate) Cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Solid birch feet All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Harvard Body Spray, at Marks & Spencers
150 ml This product is not available for international delivery. Find out more

3 Pairs of Plain Cotton Rich Socks, at Marks and Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Per Una 3/4 Sleeve Frill Front Blouse, at Marks & Spenser
A feminine short sleeve blouse in a textured fabric featuring a ruffle front and self stripe design

Machine Washable & Tumble Dry Single Breasted 3 Button Plain Jacket, at Marks n Spencer
Put an end to trips to the dry cleaner with our Machine Washable range. Each suit's stylish cut and fit is combined with the convenience of its high quality fabric that can be machine washed and tumble dried

Domaine Mandeville Shiraz 2008 - Case of 12, at Mark's & Spencer
Style: Medium bodied Grape variety: Shiraz Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Mini Limited Pure Cotton Short Sleeve Corsage Top, at Marks n Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Letter Heads Game, at Marks & Spencer
Letter puzzle: Come up with the longest word you can, using each letter only once Word builder: Take 3 random letters and think up words that use them all Word paths: Search for words in a 4 by 4 letter grid Word crossing: Use as many of your letters as possible to build a crossword-style layout Number of players: 2+ Suitable for ages 8+ Contains: 98 letters, score pad, writing pad, 4 pencils, sand timer and instructions This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Patent Low Heel Elastic Strap Shoes, at Marks & Spencers
Round toe Wide elastic strap Low heel Patent effect Heel height: 38mm Comes in sizes 3-8, including half sizes

Xenon Collection Small Rollercase, at Marks and Spencer
Free 5 year guarantee Practical and stylish, this rollercase has a built-in protective moulded rear panel and expands to give you extra 20 percent capacity, while comfort grip handles ensure easy transport

Chunky Chip Shell Necklace, at Marks & Spensers
Adjustable length Clasp fastening Multi strand Mixed shell beads Circular pendant Necklace length 41cm, extendable by 8cm

Diamond Pointelle Vest, at Marks & Spensers
Ideal for the colder months, this pretty vest will provide an attractive extra layer under clothes. Easy care fabric makes it a great choice for convenient wash and wear

Layered Glass Mantle Clock, at Marks & Spencers
Roman numeral designed clock face Tiered glass frame 600 grams 15 x 12 x 3cm, Manufacturer: Marks & Spencer

Autograph Mock Layer Crew Neck T-Shirt, at Marks & Spenser
Whether you're heading for bed or relaxing at home, this comfortable t-shirt is great for chilling out in style. Mix and match with our pyjama bottoms

Traditional Bamboo Handle Umbrella, at Marks & Spencers
A traditional men's umbrella with a traditional bamboo handle for those who want some luxury in their life, it has gilt metal trim on the ferrule and bottom of the handle, suitable for everyday use

Animal Print Tankini Top, at Marks&Spencer
Feminine and pretty, this flattering tankini is designed in the latest shape. Make a splash!

3/4 Sleeve Pleated Mock Layer Top, at Marks & Spencers
It's the stunning pleat detail that makes this fashionable mock layer top the perfect way to get this season's look

DeLonghi Icona Toaster - Azure Blue, at Marks and Spenser
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel 2 toasting slots operate independently All functions with neon indicator Hi-rise facility - extra 20mm lift for removing toast Variable browning controls Extra deep crumb tray Non-slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Per Una Pure Cotton Polka Dot Revere Pyjamas, at Marks & Spencers
Modern and feminine, these pretty polka dot revere pyjamas are made from pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Classic Ceramic Tall Mirror, at M&S
Freestanding Round mirror H38 x W17 x D16cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wide Knightsbridge Formal Belt, at Marks & Spensers
Define your waistline with this fashionable wide leather belt

Wizards And Magic CD, at M&S
Audio CD, Marks & Spencer

Philips HP6379 Bikini Trimmer, at Marks & Spensers
Wet and dry use: In and out of the shower Hygienic protection: Silver ion comb for hygienic protection Rechargable Charge lasts up to 60 minutes Precise and gentle trimmer Hygienic trimming comb Extra smooth and safe shaver Epilator removes hair for weeks Eyebrow and detail trimmer Eyebrow and detail comb

Classic Collection Wool Rich Lined Mouflon Coat, at M&S
Wrap up in style! This warm, soft coat in wool-rich mouflon will keep you feeling cosy and looking chic. Lined and smartly finished with a stitch detail, it's the perfect blend of fashion and comfort

Plush Noisy Plane Toy, at Marks and Spencer
Plush toy Brightly coloured soft bus Textured fabric wings Realistic sound This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

SupimaŽ Satin Trim Vest, at Marks and Spencers
Supima cotton known as the world's finest cotton. It's renowned for its superior strength, enhanced durability and sumptuous feel

Wedding Icons Card, at Marks and Spencer
Cover text: On your wedding day Inside message: Blank for your own message Approx. size: 230 x 114mm

Autograph Pomegranate Infusion Sticks, at Marks & Spensers
Pomegranate scented Long lasting infusion sticks, Manufacturer: Marks & Spencer

Autograph Pure Pima Cotton Straight Leg Jeans, at Marks & Spencers
Made with superior pima cotton, these straight fit jeans have a luxuriously soft touch for the ultimate in comfort. Each pair is hand finished to give them a casual, more worn appearance

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

Also, on both M&S Financial Services Premier Home Insurance and Standard Home 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.