Marks & Spencer Money 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 Marks & Spencer Money 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 & 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 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 Marks & Spencer Money 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 & Spenser are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks and Spencers 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 Marks & Spencer Money 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 Marks & Spencer Money House Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Mark & Spencers Standard Motor Insurance. With Marks & Spencer Money 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 Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M & S, 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 & Spencers Money, you get more, and you pay less.

Ruched Floral Bedcover, at M&S
Floral design Ruched finish Stitched detail, Manufacturer: Marks & Spencer

Classic Collection Floral Embroidered Nightdress, at Marks and Spencers
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty embroidery

2 Organic Cotton 3/4 Sleeve Blouses, at Marks and Spenser
The natural choice for school, these blouses are made from 100% organic cotton, grown using traditional farming methods without chemical fertilisers or pesticides

Pure Cotton Corsage Duvet Cover, at Mark's & Spencer
Corsage feature Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Flat Front Trousers, at Mark & Spensers
Smart and stylish, these flat front trousers are outstanding value

Younger Girls' Embroidered Canvas Ankle Trainers, at Marks n Spencer
Round toe Lace up Spot print contrast tongue Floral embroidered design Cut out heart detail Contrast flat sole

Limited Collection Cotton Rich Vest & Shorts Set, at Mark's & Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. Theyre made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

2 Glitter Hair Clips, at M & S
Dress up those tresses in fabulous style with these stylish glitter design hair clips

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

Younger Girls' Permair™ Widefit School Shoes, at MarksandSpencer
Round toe Bow feature Single ankle strap with rip tape fastening Flat sole Scallop trim Scuff resistant Widefit Permair™ micro porous coating makes the shoes scuff and water-resistant and easy to clean, while allowing feet to breathe

Pure Wool Flat Front Straight Leg Trousers, at Marks and Spencers
Smart and stylish, these flat front trousers are made from fine quality pure wool. A practical, hardwearing and fashionable choice

Cascade Bead Necklace, at M&S
Clasp fastening Adjustable length Cascade bead design Multi strand style Necklace length 41cm, extendable by 8cm

Autograph Pure Cotton Pin Dot Shorts, at M&S
Casual and comfortable, these easycare shorts feature a stylish pin dot design for a modern look

Autograph Pure Cotton City Scene T-Shirt, at Marks & Spensers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Perfect Ankle Length Cotton Rich Leggings, at Marks & Spencers
Leggings are still going strong this autumn. These are made from extra soft, breathable cotton, perfect for everyday wear

Per Una Leather Tubular Knot Mule Shoe, at Mark's & Spencer
Open toe Slip on Tubular knot foot strap Mid-high wedge heel

Château Puy Mouton 2006 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Merlot, Cabernet Sauvignon, Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Luxury Wool Rich Flat Front Charcoal Herringbone Trousers with Cashmere, at Marks & Spencers
Over 20 hours of hand stitching goes into every one of these beautifully tailored suits. The exceptional craftsmanship, careful attention to detail and luxurious wool and cashmere blend fabric and make this suit stand out as a stylish modern classic

Seersucker Bedset, at Marks and Spencer
Textured stripe design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size set includes duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Sapporo Bookcase, at Marks & Spencer
H180 x W80 x D37cm Made from solid bamboo and bamboo veneer Finished with a matt lacquer that provides the pieces with extra protection and durability Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the ite 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

Smooth Cup Padded Bra, at Marks and 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

4 Floral Detail Glass Coasters, at Marks and Spencer
Pack of 4 Floral Detail Square shape Solid glass, Manufacturer: Marks & Spencer

Pure Cotton Play Time Combat Trousers, at Marks and Spenser
The cute design makes these combat trousers extra special. Soft cotton fabric and a waist tie will keep him feeling comfy

Recycled Compact Umbrella, at Marks & Spencers
A practical and eco friendly choice, this compact umbrella is made from polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

Diamanté Towelling Mule Slippers, at M & S
Dip your feet into lush comfort with the slip-on design of these cosy mule slippers. The non-slip sole ensures peace of mind, while the inner lining feels like a heavenly treat

Maternity Spot Print Swimsuit, at Marks & Spencer
Fashionable and modern, this spot print swimsuit is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. A practical, versatile choice

Lotus Flower Infusion Sticks, at Marks and Spencer
Fragranced infusion sticks Glass container, Manufacturer: Marks & Spencer

Easycare Short Sleeve Gingham Shirt, at Mark & Spensers
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Mini Limited Floral Print Dress and Leggings outfit, at MarksandSpencer
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

Maternity Scoop Neck Tunic, at Marks&Spencer
Fashionable and modern, this scoop neck tunic is designed to flatter you and your bump. A drawstring waist gives a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

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 M&S 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 & Spenser, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.