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

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

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

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

There are lots of ways to save money using M&S Money. Not least of these is Marks & Spensers Standard Motor Insurance. With M&S 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 M&S 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 Financial Services, you get more, and you pay less.

Frill Sleeve Round Neck Top, at Mark & Spensers
Get a sophisticated modern look with this round neck frill sleeve top. Perfect for mixing and matching with skirts or trousers

Leather Formal Gun Metal Buckle Belt, at M & S
Add a smart finishing touch with this leather belt

Limited Collection Cotton Rich Spot Print Bikini Knickers, at Marks and Spencers
Fabulous and modern, these comfortable bikinis are part of our Limited Collection lingerie. They're made from soft stretch cotton, and the low rise style is perfect for wearing with hipsters. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pure Cotton Funnel Neck Stitch Detail Belted Coat, at MarksandSpencer
Update your look with this fashionable funnel neck belted coat. A contemporary style that will bring a fresh twist to smart and casual looks.

Bonded Leather Collection - Oval Bin, at Marks and Spenser
Elegant waste bin Tubular shape Simple design suits most settings H30.8 x W31 x D23.5cm, Manufacturer: Marks & Spencer

Pure Silk Woven Thin Stripe Tie, at M+S
Add a luxurious finishing touch with this contemporary thin stripe tie in pure silk

Autograph Pure Linen Bootleg Trousers, at MarksandSpencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Autograph Pure Cotton Stripe Hooded Cardigan, at Marks and Spencer
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too! With luxury in every detail, this is part of our exclusive Autograph collection

Easycare Short Sleeve Narrow Stripe Shirt, at Marks n Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Ostrich Design Double Handle Bag, at Marks and Spencer
Fashionable and practical, this ostritch design bag is a useful accessory with bags of style!

Panasonic Lumix DMC-LS85 Digital Camera, at MarksandSpencer
Pixels: 8.1 Megapixels Zoom: 4 x optical zoom, 4 x digital zoom Screen: 2.5 inch TFT colour LCD Screen ISO: Auto, 80, 100, 200, 400, 800, 1600 Dimensions: W9.67 x H6.2 x D2.98 cm Weight: 128g (without batteries and card) Video: VGA: 640 x 480 pixels, 30fps, QVGA: 320 x 240 pixels, 30 fps, WVGA: 848 x 480 pixels, 30 fps PictBridge Enabled: Print images using a USB cable to connect the camera to a printer without a PC Optical Image Stabilization:Prevents the degradation of image clarity and colour which is sometimes found in flash technology. Blur is reduced, and you can even take sharp pictures in low light conditions with out using the flash Scene Modes: Comes with 19 different scene modes to help you take the perfect picture

Lucy Shoe Mannequin Jewellery Holder, at Mark's & Spencer
Shoe design Sequin detail Multiple hooks and hoops

Per Una Pure Cotton Corduroy Handbag with Charm, at Marks & Spencers
A heart shaped charm makes this fashionable bag even more special. Give your look the Per Una twist!

Marqués Del Romeral Gran Reserva 2001 - Case of 6, at Marks & Spenser
Style: Full bodied Grape variety: Tempranillo Country of origin: Spain Closure: Natural Cork Bottle: 6 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

Autograph Tinted Moisturiser, at Marks and Spenser
Firming tinted moisturiser Matt finish With ceramides SPF 15 Hypo-allergenic Oil free 30ml

Girls' Limited Cotton Rich Stirrup Leggings, at Marks & Spencer
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

Pure Linen Baseball Cap, at Mark & Spensers
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

Mixed Stripe Tankini Top, at Marks & Spencers
Modern and stylish, this fashionable tankini top features a striking mixed stripe print. A stylish, shapely look.

Seville Antique Brass Toilet Roll Holder, at Marks and Spencers
Wall mounted H6 x W18 x L11cm, Manufacturer: Marks & Spencer

Older Boys' Scotland Swimming Shorts, at Marks&Spencer
Sports fans will love these cosy swimming shorts featuring a Scotland motif. A practical, easycare style

Oval Ceramic Vase, at Mark & Spencers
Ceramic Oval shape Tonal design H47 x 24cm diam, Manufacturer: Marks & Spencer

Malabar Glazed Unit, at M&S
H190 x W110 x D49cm 4 drawers 3 adjustable shelves Made from solid mango wood Treated with a protective low-sheen lacquer that provides added durability Fitted with antique-brass-effect handles Glass doors are made from safety-tested toughened glass All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Vantage Point Blu-ray DVD, at MarksandSpencer
Rating Suitable for 12 years and over,

Multiway Satin Embroidered Trim Padded Bra, at Mark's & Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a flattering fit, secure support and comfort

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

Die Cut 3D Butterfly Birthday Card, at Marks & Spensers
Cover text: Fluttering by with a wish Inside message: blank for your own message Approx size: 150 x 150mm

3 Pair Of 40 Denier Opaque Tights, at Marks and Spenser
These comfortable 40 denier opaque tights are made with added stretch and a reinforced toe for durability

Cross Dye Quilted Bedcover, at Marks and Spencer
Stitch detail Padded Medium: 150x200cm Large: 260x265cm, Manufacturer: Marks & Spencer

Crochet Leather Nappa Gloves, at Mark's & Spencer
The definitive classical country-styled driving glove with a high quality pure cotton crochet back that is vented at the wrist. The gloves have a nappa leather palm

Older Boys' Wrap Around Flame Sunglasses, at Marks & Spencers
Fashionable and fab, these wrap around sunglasses with a flame pattern give 100% UV protection for safer style in the sun

M&S 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 Buildings 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 Buildings 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, M&S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.