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 & Spenser 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:

• 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 & 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, 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spensers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks n Spencer, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Easy Iron Pure Cotton Short Sleeve Gingham Shirt, at Marks & Spencer
Stylish and innovative, this gingham easycare shirt is quick and easy to iron for a smart crisp look

Campo Buri, Rosso Veneto 2005 - Case of 6, at Mark's & Spencer
Style: Full bodied Grape variety: Carmenere, Oselata Country of origin: Italy Closure: Natural cork Suitable for vegetarians and 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

Georgian Antique-Silver Effect Bedstead, at Marks & Spencer
Headboard H136cm Endboard H105cm Sgl L195 x W96cm Dbl L195 x W145cm 5ft L216 x W160cm 6ft: L216 x W189cm Antique-silver effect Sprung slats for support and comfort, Mattress sold separately Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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

Girls' Limited Animal Print Playsuit, 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

Sports High Impact Non Wired Bra, at Marks n Spencer
Offering the superior support and control you need for those high energy workouts. This high impact sports bra sets the pace for essential comfort thanks to an easycare fabric and the shape retaining qualities of added stretch

Hand Made Slippers & Paper Card, at MarksandSpencer
Handcrafted card featuring fluffy slippers and newspaper Cover reads: Relax on your Birthday Inside message: with a cup of tea and your favourite paper Approx size: 125 x 178mm

Blue Harbour Pure Cotton Single Breasted Jacket, at Mark's & Spencer
A smartly tailored single breasted jacket in pure cotton

Children's Party Platter, at Mark's & Spencer
Contains 16 quarters plus veg batons Serves 4-6 4 different sandwich fillings Ready to eat Made in a factory that uses sesame ingredients As featured on page 8 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Cotton Rich Slim Bootleg Jeans with Belt, at Marks & Spensers
Like the classic bootleg, these jeans are flattering, feminine, shapely and easy to wear. They're cut narrower from the knee, giving a long, lean silhouette. Added stretch gives the perfect fit

Pure Wool Single Breasted 1 Button Jacket, at Marks and Spencer
Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Sterling Silver Double Oval Earrings, at Marks and Spencers
Hook fastening Double oval design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Sister Foil Presents Birthday Card, at M&S
Cover text: To my sister Happy birthday Inside message: Blank for your own message Approx size: 150 x 150mm

5 Cotton Rich Seamfree High Leg Knickers, at Marks & Spenser
Designed with both comfort and practicality in mind, these comfortable cotton knickers have added stretch and a flattering high leg design

5 Assorted High Rise Full Briefs, at Marks and Spencer
These cotton rich briefs are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

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

50/50 Cream Pinstripe Bedset, at Marks & Spencer
Pinstripe design Single set includes duvet cover and 1 pillowcase, double and king size includes 2 pillowcases Comes in single (3ft), double (4ft 6') and king size (6ft), Manufacturer: Marks & Spencer

Leaf Design Quilted Bedcover, at Marks & Spenser
Leaf design Quilted Ruched detail L250 x W265cm, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Scotland Football Top, at Marks & Spensers
A must for footie fans! This Scotland top features a contast stitch detail and a fun emblem. A modern easycare style in soft comfortable cotton

Adored Pure Cotton Stripe & Spot Print Pyjamas, at Marks & Spencer
Stylish and elegant, these flattering 3/4 sleeve pyjamas are part of our feminine Adored collection. They're made from pure cotton for the ultimate in comfort

Classic Collection Check Pencil Skirt with Belt, at Mark's & Spencer
Sleek and elegant, the pencil skirt is a true style classic. This check print skirt is designed to give a comfortable, flattering fit and polished look

Classic Collection Wool Rich Mouflon Coat, at Mark's & Spencer
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 tab covered side pockets, it's the perfect blend of fashion and comfort

Le Cortiglie Falanghina 2007 - Case of 12, at Marks & Spencer
Style: Full bodied Grape variety: Falanghina, 10% Trebbiano di Soave Country of origin: Italy Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

M&S Super Juicer, at Marks & Spencer
35 watt Automatic switch on Anti-drip spout Includes cord storage and lid Stainless steel finish 1 litre capacity H32 x D17cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click

Baron de Pocé Sauvignon Blanc 2007 - Case of 12, at Marks & Spensers
Style: Dry, Medium bodied Grape Variety: Sauvignon Blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by vol: 12.5% Alcohol units per bottle: 9.4 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

Cotton Rich Towelling Dressing Gown, at Marks & Spensers
Soft, comfortable and snag-resistant, this cotton rich dressing gown is ideal for wearing over pyjamas or after a bath

Sangiovese 2006 - Case of 6, at Marks & Spenser
Style: Medium bodied Country of origin: USA Closure: Screw cap 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

Windsor 3-Drawer Chest, at Marks & Spenser
H72 x W88 x D44cm 3 drawers Made from from solid pine Finished with low sheen lacquer for added durability 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 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

Side Zip Slim Leg Trousers, at Mark's & Spencer
Greater choice of leg lengths now available Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. Added stretch gives the perfect fit and a side zip fastening provides a fashionable update

Ceriso Essentials Frill Trim Bikini Knickers, at Marks and Spenser
Glamorous and flirty, these modern bikini knickers feature ribbon detail and a frill trim. The low rise, high leg style gives a fabulous body-conscious fit. Designed for women who want the latest look

The Floral Collection Lavender Drawer Spray, at MarksandSpencer
3 in 1 body, room and linen spray 25ml 20 drawer scenter cards This product is not available for international delivery. Find out more

There are lots of ways to save money using M&S Finance. Not least of these is Marks and Spencers Standard Motor Insurance. With M&S Finance you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from M&S Finance, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark's & Spencer, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from Marks & Spencer Money, you get more, and you pay less.