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 Mark's & 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.

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 Household 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 Household 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.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers 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 Household 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 Mark's & Spencer, 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.

125 Years Luxury Wool Rich Single Breasted 2 Button Jacket with Cashmere, at Marks and Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Fabulous vintage style inspired by our archives

Long Sleeve 'Cymru' Zip Fastening Jacket, at Marks & Spencer
Sports fans will love this Wales jacket featuring the team motif. A practical, easycare style

Per Una Tab Front Knee Length Dress, at Marks & Spencers
A fabulous knee length dress featuring tie cuff details

Supima® Pure Cotton Non-Iron Fitted Sheet, at Marks & Spencer
Internationally recognised as the world's finest cotton Supima is renowned for its superior strength, enhanced durability and sumptuous feel High performance non iron finish offering the ultimate in easy care 180 thread count Single: W91 x L190cm, box length: 25cm Double: W137 x L190cm, box length: 25cm 5ft (king): W152cm x 200cm, box length: 25cm 6ft (Super-king) W183cm x L200cm, box length: 25cm, Manufacturer: Marks & Spencer

Big & Tall Collezione Luxury Wool Rich Single Pleat Trousers with Cashmere, at Marks & Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on these trousers to give you a feeling of luxury like no other. Perfectly proportioned for big and tall men

Bold Stripe Wallpaper, at Marks&Spencer
Manufacturer: Marks & Spencer

Radcot Bedstead, at Marks and Spencer
Headboard H106cm Endboard H80cm Dbl L200 x W158.5cm 5ft L210 x W173.5cm 6ft L210 x W203.5cm Made from solid oak Sprung slats to ensure support and comfort Mattress sold separately Delivered flatpack due to size 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

Sprung-Edge Divan with 4 Large Drawers & F100 Mattress, at M+S
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Mattress depth: 24cm Divan height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Open coil mattresses provide a hard-wearing and supportive background Sprung-edge divan - Can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

2'' Longer Quick Iron Pure Cotton Stripe Shirt, at Mark & Spencers
Smart and stylish, this long sleeve quick iron shirt is made from pure cotton

Anthony Bear Hand Finished Multipack of Cards, at Marks & Spencer
Cover text: Design 1: have a lovely Easter, Design 2: Happy Easter! Design 3: spring wishes Inside message: All designs, blank for your own message Pack contains: 6 cards, 3 designs Approx size: 147 x 70mm

Older Boys' Fluffy Waist Tie Dressing Gown, at Marks & Spencers
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Post Surgery Total Support Non-Wired Bra, at Marks and Spencers
When we were challenged to produce a range of beautiful, post surgery garments, we wanted to get it right - so we asked women affected by breast cancer what they wanted. The result is a range of gorgeous, feminine lingerie designed to feel incredibly comfortable and the perfect fit for you. Every element has been considered for maximum comfort against delicate scar tissue. This lingerie has been extensively tested so you can be confident that every part stays in place

Handcrafted Black Dots Mother's Day Card, at MarksandSpencer
Cover text: For a wonderful Mum Inside message: With lots of love Approx size: 178 x 126mm

Maternity Long Sleeve Waterfall Cardigan, at Marks&Spencer
Fashionable and modern, this cardigan is designed to flatter you and your bump. A clever cut gives a neat, comfortable fit with room for growth. A practical, versatile choice

Lucy Mannequin Jewellery Holder, at Marks & Spencers
Mannequin design Multiple hooks Height 18"

2 Hepworth Upholstered Dining Chairs, at Marks & Spencer
H97 x W46 x D62cm Seat H48cm Neutral-coloured stripe fabric Sold as a pair Made from European Birch solids and veneers Treated with a rich stain and aged with dark patina known as a 'housemaid's rub' Finished with 2 coats of durable, clear lacquer of mid sheen Chairs made from solid wood for strength Solid European Birch legs 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

Younger Girls' Long Sleeve Tatty Teddy Nightdress, at Marks and Spencer
A must for fans of Tatty Teddy, this nightdress features a motif of the popular character and a spot print

Stripe Halterneck Bikini Top, at MarksandSpencer
Fabulously fashionable, this bikini top is outstanding value. Style and quality at a great price

Classic Collection Tencel® Jeans, at Marks and Spencer
In a timeless straight leg cut, these cotton rich jeans have added stretch for extra comfort and a classic zip and button fastening design. Wear with a crisp shirt and patent pumps for fuss-free casual style

125 Years Luxury Pure Wool Flat Front Trousers, at M & S
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Organic Cotton Twiggy Eco Shopper, at Marks and Spencers
Shop greener by using this organic cotton shopper instead of plastic carriers. The portrait of model Twiggy was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Pure Cotton Long Sleeve Mock Layer Monkey Top, at Marks & Spencers
Fun and fashionable, this pure cotton crew neck top features a fun monkey motif. A practical easycare style

Cotton Rich Square Neck Layered Circles Top, at Marks & Spencer
This layered circles square neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Sleeveless Plain Pintuck Blouse, at Mark's & Spencer
A sleeveless blouse is a style essential this season. Match with trousers or skirts for a fab modern look

Autograph Pure Cotton Floral Damask Pillowcase, at Marks & Spenser
Floral damask print, Manufacturer: Marks & Spencer

Multi Hanger Washing Line, at Marks and Spencer
Hanger design Multiple pegs

Autograph Skinny Plain Tie, at Marks and Spencer
Cut narrower for a contemporary look, this skinny tie adds a smart finishing touch. Ideal for sixth form wear

2 Recycled Anti-Allergy Firm Support Pillows, at M&S
Pack of 2 Proven defence against dust mite allergies Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

Panasonic DMP BD80 Blu-ray Disc™ Player, at Marks and Spencer
Blu-ray Disc™ player PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs, Analog Audio Outputs 2-channel Accessories: Remote control Dimensions: 43 x 5.5 x 24.9cm

Pure Cotton Block Stripe Hooded Top, at Marks & Spensers
Relaxed and casual, this comfortable hooded top is made from pure cotton and features a block stripe design. A great value easycare style

There are lots of ways to save money using M&S Money. Not least of these is Mark's & Spencer 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 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.