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 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:

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

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

Also, on both M&S Finance 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.

Steel Turner, at Marks & Spencer
Suitable for non-stick saucepans Hanging loop, Manufacturer: Marks & Spencer

3 Cotton Rich Transformers Trunks, at Marks & Spencers
A must for fans of Transformers, this pack of 3 cotton rich trunks feature the popular characters

Autograph Leather Gunmetal Belt, at Marks & Spensers
Add a smart finishing touch with this leather gunmetal belt

Autograph Pure Cotton Stripe Shorts, at Marks & Spencers
Create your own look by mixing and matching these pure pima cotton pyjama bottoms with our tops and t-shirts. Great for relaxing in style whether you're heading for bed or just chilling out at home

Autograph DD-G 2-Tone Embroidered Bra, at Marks & Spencer
Luxurious and elegant this bra features two tone embroidery. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Short Sleeve Abstract Print Pintuck Dress, at Marks and Spencer
Abstract prints are a key trend this season, making this v-neck dress a great way to get the latest look

Younger Boys' Multi Stud Belt, at Marks and Spencer
Fun and fashionable, this multi stud belt adds a stylish finishing touch

Older Boys' Holiday Trekking Sandals, at Marks & Spencers
Riptape fastening Contrast trim Flat sole

Stainless Steel Non-Stick Wok with Lid, at Marks and Spencer
Diam 30cm Double handles Glass lid Dishwasher safe, Manufacturer: Marks & Spencer

Miele S7580 Upright Vacuum Cleaner, at Marks and Spencers
6 litre dust bag capacity 1800W 14.5 metre operating radius The Active HEPA filter ensures air leaving the cleaner is free of allergens and odours Dust bag change indicator - signals when the dustbag needs to be replaced Comes with 2 dustbags The power level adjusts automatically to suit the floor surface currently being cleaned Silence setting: Ideal combination of low noise level and cleaning performance Electronic LED +/- buttons control the power level Weight: 9.5kg Dimensions: H1160.6 x W349.3 x D377.9 mm Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability 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 Free 2 year guarantee, Manufacturer: Marks & Spencer

Floral Gift Card, at Marks & Spencers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card 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

Mantle Clocks - NEW NAPOLEON, at Marks and Spencer
Manufacturer: Marks & Spencer

Hooded Block Panel Coat, at Marks and Spencer
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

Ascensio Hard Medium Rollercase, at Marks & Spencers
Built for durable practicality, this rollercase features a robust ABS outer shell and locking trolley system to ensure your belongings are safely secure and easy to transport

DD-G Extra High Impact Non-Wired Sports Bra, at Marks & Spencers
Comfortable and secure, this extra high impact sports bra gives firm yet gentle support during maximum impact activity

Miele S5211 Standard Cylinder Vacuum Cleaner, at Marks and Spenser
4.5 litre dust bag capacity 2200W Sealed system for optimum filtration 10 metre operating radius Motor protection filter Supplied with a Super Air Clean filter HEPA 12 certification for complete vacuum cleaner - According to the European Standard EN 1822. Discharged Air is cleaner than the ambient room air (when used with a HEPA filter) Dust bag change indicator - signals when the dustbag needs to be replaced Comes with 2 Hyclean dustbags: The new HyClean dustbag sets new standards in filtration, dust-absorption, hygiene and safety Standard floorhead SBD 450-3: Suitable for all floor surfaces with extendible brushes Rotary Dial to adjust the suction power for different floorings Silence setting: Ideal combination of low noise level and cleaning performance Telescopic stainless steel tube Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability Bumper strip to protect cleaner and your furniture Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Recommended for Loop Pile carpet Other accessories - upholstery nozzle, dusting brush and crevice nozzle Dimension: L45cm Weight: 7.7kg 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

Teddy Car Son Birthday Card, at Marks and Spenser
Cover text reads: To a very special son Inside message: On your very special birthday x Approx size: 175 x 127mm

Blue Harbour Stretch Denim Jeans, at Marks n Spencer
Relaxed and casual, these straight leg jeans are made with stretch for comfort and ease of movement

Pure Cotton Short Sleeve Bold Stripe Shirt, at Marks and Spencers
Smart and stylish, this short sleeve shirt is made from pure cotton

Per Una Short Sleeve Lace Knitted Cardigan, at Marks and Spencers
A fashionable short sleeve cardigan featuring a lace design and rib trim. Decorative buttons give it the Per Una touch

Lavender Refresher & Burner Oil, at Marks & Spencers
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Opaque Lace Trim Footless Tights, at Marks & Spenser
Fashionable and comfortable, these stretchy footless tights feature lace trim

5 Assorted Design Rings, at Marks & Spencers
Pack of 5 Assorted designs Gift boxed

Per Una Short Sleeve Lace Tunic & Vest Set, at Marks and Spencer
A colourful floral print lace tunic top featuring a plain inner vest

Pure Cotton Long Sleeve Cat Top, at M&S
The cat print makes this top so cute. It's made from pure soft cotton and feels comfy to wear.

Goat Skin Cushion, at Marks & Spencer
Square design Fluffy Plain, Manufacturer: Marks & Spencer

2 Cotton Rich Stripe & Plain Cropped Leggings, at Marks and Spencers
Soft, stretchy and comfy, these fashionable cotton rich leggings are a wardrobe essential.

Smooth Cup Padded Bra, at Mark's & Spencer
Sleek and stylish, this bra is perfectly smooth, so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Hard-Top Non-Storage Divan & M100 Mattress, at Marks and Spencer
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Mattress depth: 21.5cm Divan height: 41cm A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

3 Pack Easycare Short Sleeve Shirts, at Marks & Spenser
Woven in a no-fuss easycare fabric, short sleeves add a smart focus to your office look. A practical and convenient choice for everyday wear

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 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 and Spenser, 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.