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 & 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, 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 & 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 & Spenser 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 Financial Services, 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 M&S, 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 House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Griffin iClear Touch Case, at Mark & Spensers
iClear's transparent and unobtrusive design protects your iPod with a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

Flexilite Compact Umbrella, at Marks & Spensers
Lightweight and easy to carry, this slimline umbrella provides you with effective protection from those sudden downpours

Stormwear™ Multi Pocket Hooded Parka, at Marks & Spensers
Fashionable and practical, this warmly padded jacket is lined with fleece and treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves and inside pockets keep lunch money safe

Little Acorns Large Baby Photograph Album, at Marks and Spencer
Contains: 1 album, 1 box, 1 pack of glue dots, 1 blank 700 MB CDR Approx size: Album: H235 x W325 x D30mm

White Pearl Damask Table Numbers, at Marks n Spencer
Contains: 12 table numbers Approx size: 150 x 110 mm

Perfect Long Sleeve Ribbed Oblong Cardigan, at Marks&Spencer
The fluid, elegant cut of this cardi is wonderfully flattering. Team it with jeans or cords for easy autumn style

Smooth Jazz CD, at M+S
Audio CD, Marks & Spencer

The Healthy Diet Calorie Counter Book, at Marks and Spencers
Full of information and advice for the health-conscious slimmer, this book takes a fresh look at 'calorie counting'. Easy to use tables convey the nutritional value of over 600 foods, while a 'Quality Calorie' points system tells you whether the calories in a particular food are good or 'empty'

Big & Tall Autograph Pure Cotton Stripe Shirt, at Marks and Spencer
Stylish and contemporary, this Pure cotton stripe shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else. Perfectly proportioned for big and tall men Only available in XXXL

Wisteria Small Rollercase, at Marks and Spencers
Smart and practical, this rollercase is made from hardwearing fabric and is fully lined. It features lock trolley system and comes with a padlock for security

Autograph Pure Cotton Paisley Print Scarf, at Mark & Spensers
This sophisticated paisley print scarf is the perfect accessory for this season's fashions

Pure Cotton Multiple Pocket Jeans, at Marks and Spenser
Fashionable and practical, these cotton jeans are hardwearing and comfy. The 'sheriff' motif gives a cute look

Pure Cotton Ruffle Check Shirt, at Marks and Spencer
Casual and contemporary, this check shirt is made from pure soft cotton. The ruffle bib adds a fashionable finishing touch

3 Pairs of Newborn Cotton Rich Assorted Socks, at Marks & Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton rich fabric

Autograph Cross Strap Riding Boots, at Marks and Spenser
Round toe Cross strap buckle fastening Front seam Stitch detail Knee high Block heel

Blue Harbour Luxury Long Sleeve Shirt with Silk, at M & S
Classically stylish, this long sleeve shirt is cut for a great fit. It's made from a luxurious blend of linen and silk

2 Younger Girls' Pure Cotton Ballerina Pyjamas, at Marks and Spencer
Cute and comfy, these pure cotton pyjamas are outstanding value

Autograph Pure Cotton Floral Print Shirt, at Marks n Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning floral print

Firm Control Sheer High Leg Briefs, at Marks & Spencers
Look slimmer in seconds! These firm control knickers gently flatten tummies for a sleeker, slimmer silhouette

Domaine de la Clapière Jardin de Jules 2006 - Case of 12, at Marks & Spencers
Style: Full Bodied Country of origin: France Closure: Natural cork 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

Wool Rich Slim Fit Single Breasted 2 Button Plain Grey Jacket, at Marks and Spencers
Every man needs a well tailored suit and this one is fantastically priced and fantastically smart too

Feather Bow Headband With Satin Trim, at Mark's & Spencer
Trimmed with a striking bow and feathers, this glamorous fascinator band is sure to turn heads!

°Climate Control Pillow Protector, at Marks and Spencer
Keeps you in a comfort zone all night long Absorbs body heat, releasing when you need it Made using outlast technology, originally developed for NASA, Manufacturer: Marks & Spencer

Autograph Pure Cotton 3 Piece Cardigan Outfit, at Marks and Spencers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Patent Ankle High Kitten Heel Boots, at Marks & Spencer
Pointed toe Centre stitch detail Patent finish Zip fastening Ankle high Kitten heel Heel hight: 54mm Comes in sizes 3-8, including half sizes

Birthday Text Roll Wrap, at Marks & Spenser
Pack contains: 1 roll wrap 'Happy birthday to you' text Approx size: 150 x 70cm

M&S Glass TV Stand up to 50'', at Marks & Spencers
Supports LCD and plasma TVs up to 50" Toughened safety glass shelves Increased rigidity Clear glass with chrome supports Dimensions: H343 x W1187 x D540cm 79kg maximum top load weight Simple home assembly This product is not available for international delivery. Find out more M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information, Manufacturer: Marks & Spencer

Sleeveless Shadow Floral Print Dress with Bolero, at M+S
Feminine and pretty, this sleeveless tie neck dress features a floral print and comes with a bolero. A fabulous fashionable look

5 Pairs of Older Boys' Cotton Rich Assorted Socks, at Marks n Spencer
The plain and stripe design adds a stylish touch to these comfortable cotton rich socks

5 Pairs of No-Show Trainer Liners with Cool&Fresh, at Mark & Spencers
Comfortable and durable, these socks are outstanding value. They feature a reinforced toe and stretch fabric for an improved fit

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 House 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 House 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.