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

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

When you're shopping at Marks and Spencer 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 Marks & Spencers Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencers Money. 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 Marks & Spencers Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencers Money 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."

Pure Cotton Mix Print Camisole, at Marks & Spensers
Chic and modern, this mix print camisole is made from cool comfortable cotton and features a crochet bib

Blue Harbour Crew Neck Fleece Top, at MarksandSpencer
Relaxed and cosy, this long sleeve crew neck fleece top is outstanding value!

Domaine Ventenac Chenin Colombard 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Chenin Blanc & Colombard Country of origin: France Closure: Synthetic closure Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Pairs of Older Boys' Cotton Rich Assorted Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made with soft breathable cotton

Country Bunch Family Home Card, at Marks & Spencers
Cover text: New home! Inside message: Congratulations! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future 175 mm x 127 mm

Pure Cotton Spot Design Pyjama Bottoms, at Marks & Spensers
Pretty and feminine, these spot design pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

5 Cotton Rich Bud Print Midi Knickers, at Mark's & Spencer
These cotton rich midi knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Harrowgate Victoria Shiraz 2006 - Case of 6, at Marks & Spensers
Style: Full bodied Grape variety: Shiraz Country of origin: Australia Closure: Natural cork Suitable for vegetarians 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

Younger Boys' Transformers Flip Flops, at Marks and Spencers
Flat sole Slip on 'Transformers' design 2007 Hasbro

Linen Blend Stitch Detail Shorts, at Marks n Spencer
Cute and sassy, these easy-fit linen shorts are relaxed and casual. Stitch detailing adds a stylish finishing touch

Blue Harbour Heritage Pure Cotton Open Check Shirt, at Marks & Spencers
Relaxed and stylish, this open check shirt is made from pure cotton so it feels soft and comfortable to wear

Steel Turner, at Marks and Spencer
Suitable for non-stick saucepans Hanging loop, Manufacturer: Marks & Spencer

Kaituna Hills Reserve Pinot Grigio 2008 - Case of 6, at Marks and Spenser
Style: Dry Grape variety: Pinot Grigio Country of origin: New Zealand Closure: Screw cap Bottle: 6 x 75cl. Alcohol by volume: 12.5% 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

Long Crinkle Stripe Panel Skirt, at Marks and Spencer
Long and lovely, this cotton blend skirt is a stylish, versatile choice. A fabulous fashionable look

Maxim Egg Cup, at Marks & Spencer
Egg cup Versatile fine dining range Plain porcelain Suitable for everyday use H6.5 x diam 5cm, Manufacturer: Marks & Spencer

Easy Iron Pure Cotton Short Sleeve Satin Stripe Shirt, at Marks n Spencer
Stylish and innovative, this long sleeve stripe easycare shirt is quick and easy to iron for a smart crisp look

Adored Floral Embroidered High Leg Knickers, at Marks&Spencer
Elegant and stylish, these embroidered briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

Platinum Plated Sparkle Stud Earrings, at Marks and Spencer
Platinum plated Diamant detail Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Bubble Base Champagne Flute, at Mark's & Spencer
Bubble base design Hand made glass with heavy base Height: 19.5cm Capacity: 250ml (25cl), Manufacturer: Marks & Spencer

Mini Limited Pure Cotton 'Wild Life Rocks' Top, at Marks and Spenser
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

Autograph Occasions Chiffon Floral & Feather Headdress, at Mark & Spencers
Indulge in a touch of luxury with this chiffon floral headdress which features a feminine feather detail

Dotty Daisy and Pink Dress Mum Birthday Card, at Marks n Spencer
Cover text: Happy Birthday Mum! Inside message: With lots of love Approx size: 230 mm x 114 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Stud Detail Shopper Bag, at Marks and Spencers
Fashionable and practical, this stud detail shopper bag is a useful accessory with bags of style!

Limited Collection Check Pencil Skirt, at Marks n Spencer
Sleek and chic, this check design pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Niece Jeans & Sequins Birthday Card, at Marks & Spencer
Cover text: Special Niece Essential birthday outfit New sparkly top Skinny jeans Gold pumps Inside message: Happy Birthday Approx size: 175 x 125mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Tab Button Vest Top, at Marks & Spencers
This fab sleeveless top features a stunning tab button detail. A sophisticated new look, perfect for this season

Blue Harbour Long Sleeve V-Neck Fleece Top, at M+S
Relaxed and cosy, this long sleeve v-neck fleece top is outstanding value!

Lone Range Gimblett Gravels Red 2006 - Case of 6, at M&S
Style: Dry Grape variety: Mixed Red Country of origin: New Zealand Closure: Screw cap Suitable for vegetarians 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

Blue Harbour Funnel Neck Bomber Jacket, at Mark's & Spencer
A fashionable favourite, the classic bomber jacket is given a modern update with contemporary styling

Aguasanta Carmènere 2007 - Case of 12, at Marks & Spensers
Style: Dry, medium bodied Grape variety: Carmnere Country of origin: Chile Closure: Screw cap Suitable for vegetarians and vegans 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

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