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 and Spencer 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

When you're shopping at M&S 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."

There are lots of ways to save money using M&S Financial Services. Not least of these is M+S Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spenser, 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.

Perfect Short Sleeve Panel Tunic Top, at Mark & Spencers
This simple panel dress is a key style for autumn. Wear it with leggings for a fashion forward look

Collezione Toe Cap Lace-Up Shoes, at Marks & Spensers
Square toe Gusset toe cap stitch Stitch detail Lace-up Block heel

Little Sweetheart Quilt, at Marks & Spencers
Patched Heart design, Manufacturer: Marks & Spencer

10 Evening Invitations, at Marks & Spencers
Pack of 10 Cake design Inside message: .....Request the pleasure of the company of..... at the evening receptions to celebrate the marriage of..... at..... on..... R.S.V.P. Approx size: 120 x 120mm

Autograph Essentials Polo Neck Jumper with Merino Wool, at Marks & Spensers
A touch of fine merino wool adds softness and warmth to this smart polo neck jumper. Exclusive, luxurious and beautiful

Ashbourne Large 2 Seater Sofa AU09 Newness, at Marks & Spencer
Manufacturer: Marks & Spencer

Per Una Chunky Knitted Scarf, at Marks & Spencer
Keep out the chills in fashionable style with this warm soft textured scarf in a modern chunky cable knit.

Blue Fabric Textured Floral Sister Birthday Card, at Mark & Spensers
Cover Text: Hope you have a lovely birthday sister Inside Message: Blank for your own message Approx size: 150 x 150mm

2 Older Girls' Pure Cotton Heart Print Pyjamas, at M&S
The heart print design makes these pure soft cotton pyjamas so pretty

Single Sprung-edge Divan with 1 Small + 1 Large Drawer & M100 Mattress, at Marks and Spencers
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 21cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Mattress has dust-free polyester fibre filling Open coil mattresses provide a hard-wearing and supportive background Mattress spring count: 288 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK 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

Senior Wool Blend Blazer with Stain Defence™ & Stormwear™, at Marks and Spencers
Smart and innovative, this stylish blazer is made from a hardwearing wool blend. It's treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

2 Piece Pure Cotton Dungaree Outfit, at Marks&Spencer
Practical and pretty, this cute 2 piece outfit is made from pure soft cotton to keep her feeling comfy and happy

Autograph Leather Overnight Bag, at Marks and Spencers
Luxurious and beautiful, this overnight bag is part of our exclusive Autograph collection. It's made from soft hardwearing leather, and is useful and practical as well as being a highly desirable fashion accessory

Extra Wide Open Toe Sports Sandals, at Mark's & Spencer
Open toe Rip tape fastening Flat thick sole Contrast stitch Extra wide fit

Damask Cylinder Shade, at Mark's & Spencer
Cylinder shape Floral design Contrast trim Dimensions: H 280mm x Diam 410mm, Manufacturer: Marks & Spencer

Airbrush Metallic Ladies Watch, at Mark's & Spencer
Round face Analogue Airbrush metallic strap Buckle fastening

Limited Collection Stud Stripe Underwired Bra, at Marks and Spenser
Fun and fabulous, this stud stripe design bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

DD-G Lace Strap Minimiser Bra, at Marks and Spencers
Soft and comfortable, this minimiser bra gently shapes your bust to make it look smaller. A flattering, supportive style

Airflex™ Longer Length Lace-Up Leather Trainers, at Marks & Spenser
These shoes are specially designed with the Airflex™ sole system using the latest technology to provide your feet with utmost comfort, support and grip

Dualit Vario 2-Slice Toaster - Cream, at Marks & Spencers
1200 watt 2-slice toaster Manually operated eject lever - keeps items warm until needed Selector switch - use only the slots required Adjustable inner wire guard to grip toast Parts are Replaceable/ repairable Mechanical timer to control toasting High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Concealed crumb tray Adjustable rear foot Easy to clean stainless steel cover Weight: 3.5kg Designed for use in commercial kitchens Dimensions: H22 x W31 x D21cm 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

Limited Collection Cotton Rich Multi Spot Vest & Shorts Set, at Marks and Spencers
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Portfolio 3/4 Sleeve Geo Floral Print Blouse with Camisole, at Marks & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

2 Pairs of Fishnet Tights, at Marks & Spencer
Add some stylish flair to that chic skirt or dress and shape, lift and define your figure with this great value 2 pack of fishnet tights. A reinforced toe, comfortable sole and added stretch provide long lasting comfort and durability.

ARCHOS 5 DVR Station for Internet Media Tablets, at M&S
TV Recording: Easily record your favorite programs with the included TV program guide.Select your program on the program grid and schedule the recording with a click of the remote control. Record from most any external analog video source such as your satellite receiver, Digital TV adapter (DVB-T), VCR or cable box HD content playback: Play back HD videos up to 720p from your ARCHOS to your TV Full internet experience: Browse the Web comfortably and write your emails using the included remote control Faster charging: Charge your Internet Media Tablet quickly Media club: Discover a large library of movies, documentaries, music albums and games. Buy or rent your content in a few clicks and get instant access to it on your TV Stream from PC: Stream any of the music, movies or photos from your PC to your TV using your WiFi home network Multi-channel sound: Enjoy your films with 5.1 Surround Sound on your home cinema system through the SPDIF output Suitable for the ARCHOS 5 Internet Media Tablet 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

Côte Rôtie 2006 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians 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

Per Una Leather Notched Belt, at Marks and Spencer
A bold buckle makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Casa Leona Merlot 2008 - Case of 12, at Marks and Spencer
Style: Medium bodied Grape variety: Merlot Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Gold Rope Photo Frame 13 x 18cms (5 x 7"), at Marks and Spencers
Gold rope design Aperture: 13 x 18cms (5 x 7"), Manufacturer: Marks & Spencer

Portfolio Twist Scoop Neck Jersey Top, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Post Surgery Modal Blend E-G Bra, at Marks and Spencer
Smooth and modern, this padded and underwired bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Besides Marks & 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 & Spencers 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.