M&S Money Direct 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 Money Direct 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 M&S 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 M&S Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Besides Marks & Spensers Motor Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct House 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 Money Direct 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 Money Direct Premier House Insurance and Standard House 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.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser online store. Here are just some of the financial products which can be purchased via the M&S Money Direct website:

• M&S Insurance: M&S Motor Insurance, M&S House 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 & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

Autograph Weekend Satin Finish Stripe Nightshirt, at Marks and Spencers
Luxurious and sophisticated, this modern nightshirt is part of our exclusive Autograph Weekend collection. Made from the softest fabrics for the ultimate in comfort, it's beautifully designed and finished

Mesh Holiday Sequin Shopper Bag, at Marks and Spenser
Functional and stylish, this colourful shopper bag is ideal for carefree days on the beach or shopping at home

Pure Cotton Short Sleeve Cars Lightning McQueen T-Shirt, at Marks and Spencers
Fans of Cars will love this short sleeve cotton t-shirt featuring Lightning McQueen. A practical, easycare style

Plain Flexilite Umbrella, at M & S
Lightweight and easy to carry, this slimline umbrella is perfect for keeping at hand for effective protection from sudden downpours

Multi Stripe Halterneck Bikini Top, at Marks and Spencers
Pretty and feminine, this multi stripe bikini top is outstanding value. Style and quality at a great price

Classic Collection Pure Cotton 3/4 Sleeve Blouse, at Marks & Spencer
Modern and stylish, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Baby Girl in Box New Baby Card, at Marks and Spencer
Cover text: Baby girl Inside message: Congratulations on your special delivery! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Croquet Football Set, at Marks & Spencer
Contains: 4 footballs, 6 hoops, 4 markers, 1 cone and storage case 2-4 players Suitable for ages 8+ For outdoor use Hoops: 345 x 200mm Balls: Diam 320mm Cone: 135 x 135 x 230 mm Markers: 30 x 30mm Bag: 400 x 280mm 1475g This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Portfolio V-Neck Jersey Top, at Marks and Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Freshfeet Suede Driving Moccasins, at Mark's & Spencer
Round toe Stitch detail Flat sole Lined Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology is permanently built in to the slipper and still performs after many washes Freshtech™ technology combats the bacteria that causes bad smells and odours

Country Bunch Letters Mum Birthday Card, at Marks & Spencers
Cover Text: To my lovely... Mum ...with lots of love... xxx Inside message: ... I love you so much... Approx size: 230 x 114mm

Autograph Pure Wool Single Breast 1 Button Jacket, at Mark & Spensers
The only choice for the sharp dresser: Autograph's stylish designer-quality collection boasts the finest fabrics and closest attention to detail for an impeccable contemporary look

Autograph Lip Pencil, at Marks and Spencer
Soft textured twist-up lipliner with brush for defining and shading lips Hypo-allergenic

2" Longer Sleeve Pure Cotton Stripe Shirt, at Marks and Spencer
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

Formula Age Restructure™ Age Spot Away Cream & Calcium Complex, at Marks and Spencers
Luxuriously rich cream for the 60+ complexion Proven results after 4 weeks Helps reduce appearance of age spots and discolouration Calcium complex to firm and improve the structure of the sagging skin Collageneer a lupin extract to strengthen and improve skin elasticity Blend of extracts to target age spots Wheat biovector to redensify and smooth Suitable for all skin types Hypoallergenic 15ml This product is not available for international delivery. Find out more

Girls' Limited Pure Cotton Top with Scarf, at Marks & Spencers
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

Per Una Wide Leg Centre Crease Trousers, at M&S
A smart pair of wide leg trousers in stretch cotton featuring a centre crease

Harry Potter Quidditch Dressing Up Outfit, at Marks and Spencer
This Quidditch costume is a must-have for fans of Harry Potter

Pure Cotton Short Sleeve Pyjama Top, at Marks and Spencers
Pretty and feminine, this short sleeve pyjama top is made from soft breathable cotton for a comfortable night's sleep

2 Piece Pure Cotton Dungaree Outfit, at Marks and Spenser
Cute and casual, these ribbed dungaree and frill trim top looks fabulously fashionable worn together or separately

Sunny Town Policemen Set, at Marks and Spencer
2 policemen and police car Promotes imaginative play Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure Cotton Short Sleeve Floral Print Shirt, at Marks and Spencer
Stylish and contemporary, this pure cotton floral print shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you won't find it anywhere else

Autograph 3 Piece Cardigan Outfit, at Marks and Spencer
Fun and practical, this cute 3-piece outfit features long sleeve cardigan, t-shirt and jeans. It's made from soft fabric to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Larson Chair, at M+S
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

The Cotton Collection Cotton Stripe Handwash, at Marks and Spenser
Moisture rich Hand wash 250ml

Wool Blend Flat Front Stripe Trousers, at Mark's & Spencer
Smart and contemporary, these trousers are made from a special wool blend fabric for extra strength, comfort and durability

Post Surgery Textured Band Swimsuit, at Marks & Spencers
Feminine and flattering, this swimsuit has been especially designed for a perfect fit and great support after surgery. Every element has been considered for maximum comfort against delicate scar tissue and it's been extensively tested so every part stays in place

Aluminium 24cm Frying Pan, at Marks and Spencer
Grey aluminium design Triple layer non-stick finish Even heat distribution Diam 24cm, Manufacturer: Marks & Spencer

Autograph Leather Knee High Riding Boots, at Marks and Spenser
Almond toe Stitch detail Knee high Small block heel

Wedding Symbols Wedding Invitations - Pack of Ten, at Marks & Spencers
Cover text: Wedding invitation Inside message: Request the pleasure of the company of...at the marriage of...at...on...and afterwards at...R. S. V. P 10 cards, 1 design Approx size: 120 x 120 mm

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 and Spencer are so useful. M&S Money Direct 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 M&S Money Direct 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 M&S Money Direct House Insurance than you will anywhere else, and you may even pay less with M&S.