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 & 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & 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 Marks&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 M&S Money Direct, you get more, and you pay less.

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 Mark & Spencers 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 Mark's & Spencer, 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Portfolio Bobble Necklace, at M&S
Clasp fastening Adjustable length Mixed bobble design Necklace length 95cm, extendable by 8cm

Autograph Flat Front Plain Trousers, at M+S
Smart and stylish, these flat front trousers are made from fine quality pure wool. A practical, hardwearing and fashionable choice

Metal Floral Photo Frame 10 x 15cm (4 x 6''), at Marks & Spenser
Cutout metal flowers design with sparkling embellishments Brushed metal borders Aperture dimensions: 10 x 15cm (4 x 6'') Frame dimensions: 22.3 x 17.3 x 1.7cm, Manufacturer: Marks & Spencer

Lotus Flower Room Spray, at Marks & Spencer
Floral scent This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Younger Girls' Pure Cotton Basic Jeans, at Mark's & Spencer
These cotton jeans are great value and look striking with their contrast stitching

Watercolour Flowers 'Just To Say' Multipack of Cards, at Marks&Spencer
Cover text: Just to Say... Inside message: Blank for your own message Pack contains: 8 cards, 1 design Approx size: Unfolded: 120 x 120mm

Zebra Print Border Crook Umbrella, at Marks & Spencer
Brighten up rainy days with this stylish lightweight umbrella

Formula Combat Cellulite Crème-gel, at Marks and Spencers
Increases skin firmness and elasticity Lifts and tones Redefines your silhouette Suitable for all skin types In 4 weeks cellulite is noticeably reduced and your skin's surface is improved 200ml

St Hallett Unearthed Shiraz Durif Tempranillo 2006 - Case of 6, at Mark & Spensers
Style: Dry Grape variety: Shiraz, Durif, Tempranillo Country of origin: Australia Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Long Sleeve Knitted Stripe Pocket Dress, at Marks and Spenser
Fun and fashionable, this cotton blend dress is outstanding value!

Pheasant Gully Bin 492 Riesling Gewurztraminer 2008 - Case of 12, at Marks and Spenser
Style: Medium dry Grape variety: Riesling & Gewurztraminer Country of origin: Australia 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

Sprung-Edge Non-Storage Divan, at M & S
Sprung edge Non-storage Solid wooden frame All our divans are anti-allergy, which means the provide effective protection against dust mite allergies, so you'll have a trouble free sleep H41cm Single: W90 x L190cm Double: W135 x L190cm King: W150 x L200cm Super King: W180 x L200cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Yellow Flower Seed Birthday Card, at Marks & Spencers
Cover Text: If friends were flowers... then I'd pick you Inside message: Blank for your own message Approx size: 174 x 126mm

Autograph Weekend Pure Cotton Waffle Cardigan, at Marks and Spencers
Casual and modern, this waffle cardigan has been designed for a chic, relaxed look

Crossover Strap Wedge Sandals, at Marks and Spencer
Open toe Crossover strap Stitch detail Buckle fastening Wedge heel Heel height: 95mm

Portfolio Pure Cotton Stripe Shirt, at Marks&Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

3 Pairs of 60 Denier Opaque Tights, at Marks & Spencers
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Total Support Daisy Embroidered Non-Wired Bra, at Marks and Spencer
Soft and comfortable, this non-wired gives all-round support and uplift with good coverage, extra wide straps and 3 hook-and-eye fasteners. It's secure but gentle and lightweight, an ideal choice for everyday wear

Portfolio Ponte Kickflare Trousers, at Marks and Spenser
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.

Ultimate Fishnet Hold-Ups, at Marks n Spencer
The ultimate in stylish design, these fishnet hold ups have added stretch so they'll always stay in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Short Sleeve Embroidered Linen Shirt, at MarksandSpencer
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features a breast pocket and button placket. Practical, comfortable and easycare

Silk Rich Metallic Floral Bow Tie, at Marks & Spensers
Crafted from luxurious silk, this elegant bow tie is a sophisticated choice for entering those black tie events in classic style

Raspberry Panna Cotta, at Marks&Spencer
Serves 6-8 Ready to eat Not suitable for nut allergy sufferers 900g As featured on page 50 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Per Una Spot Print Burnout Jersey Top with Necklace, at M&S
A gorgeous spot print top in soft fabric featuring a sparkling necklace

Limited Collection Taffeta Skirt, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

5 Pairs of Cushioned Trainer Liners, at Marks and Spencers
These trainer liners are outstanding value! Cotton rich for comfort and durability, they feature a reinforced heel and toe for extra durability and stretch fabric to improve fit

Pure Cotton Dog Motif Jumper, at Mark's & Spencer
Knitted in pure cotton, this cute assorted colour jumper will keep him warm and comfy. It looks cuddly too!

Heritage Collection - Table Lamp, at Mark's & Spencer
Pleated shade design Glass ball stem Brass finish Round base This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Royal Jelly & Pure Honey Moisture Rich Cream Bath, at Marks & Spensers
Moisture rich Natural skin nutrition Vitamin enriched 400ml

Pure Cotton Cap Sleeve Pintuck Shirt, at M+S
This cap sleeved shirt will make a useful addition to your wardrobe. It features smart pintuck detail for a stylish casual look

Marks & Spencer Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Home Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Home Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.