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 Marks & 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.

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money 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 Mark & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

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

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 M & S 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 Mark & Spencers, through its Marks & Spencers 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.

2-in-1 Long Sleeve Hooded Sweatshirt & Gilet Set, at Mark's & Spencer
A hooded sweatshirt and gilet set that can be worn separately or zipped together for extra warmth. Machine washable for added convenience

Per Una Multi Weave Scarf with Wool, at Marks and Spencer
Keep out the chills in fashionable style with this warm soft weave scarf in a modern chunky cable multicoloured knit.

Sterling Silver Organic Double Oval Necklace, at Marks & Spencers
Clasp fastening Double oval design Length: 41cm

2 Easycare Long Sleeve Striped Shirts, at Marks and Spencer
Smart and stylish, this pack of 2 long sleeve easycare shirts is great value. An ideal choice for everyday wear

Bright Letters Godson Birthday Card, at Marks&Spencer
Cover Text: To the greatest Godson Inside Message: Happy birthday Approx size: 150 x 150mm

Kitchens Family Organiser Calendar, at Mark's & Spencer
Comes with a pen and memo pad Dimensions: 330 x 430mm

Animal Print Hipster Bikini Bottoms, at Marks and Spencer
Feminine and pretty, this stylish bikini top features a striking animal print. A fabulous fashionable look

Château Gasparets Corbières 2007 - Case of 12, at Marks and Spenser
Style: Full Bodied Grape variety: Carignan, Syrah, Grenache, Mourvedre Country of origin: France Closure: Natural cork 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

Girlie Dress Up Lunch Bag, at Marks and Spencers
Single handle Girlie dress up design Zip fastening H18cm x W24cm x 8cm

Marqués Del Costal 2004 - Case of 6, at Marks & Spencer
Style: Full bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: Spain Closure: Natural cork 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

5 Pairs of Assorted Pattern Ankle Socks, at Marks&Spencer
With added stretch ensuring they stay up all day long, these assorted pattern ankle socks are a perfect option for the coming school year

Signature Lemon Grass & Bamboo Scented Filled Candle, at Marks & Spenser
Glass holder Lemon grass and bamboo fragrance, Manufacturer: Marks & Spencer

Spot Net Tights, at M&S
Treat your legs to a touch of style. These spot print tights have a durable reinforced design to keep them looking good, wear after wear

Big And Tall Flat Front Linen Trousers, at Marks & Spensers
Fashionable and smart, these lightweight flat front trousers are the perfect choice for warmer weather

Younger Girls' Dora the Explorer Slippers, at Marks and Spenser
Round toe Slip on Dora the Explorer motif 2005 Viacom International Inc. All Rights Reserved

3 Pairs of Fine Merino Blend Socks, at Marks and Spencer
Wool blend yarn makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Bingley Bear Flower Sister Card, at Marks and Spencer
Cover text: To a lovely Sister Inside message: Have a wonderful birthday Approx size: 175 x 125mm

Mini Limited Stripe Cardigan, at Mark's & Spencer
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.

Limited Collection Front Frill Longline Cardigan, at Marks & Spencers
Pretty and feminine, this front frill cardigan is made with comfortable breathable cotton. Get the latest look!

Silicone Nipple Covers, at Marks and Spencer
There are some clothes that simply don't work with a bra. These secure and effective nipple covers make the perfect solution

Anti Allergy 4.5 Tog Duvet, at Mark's & Spencer
4.5 Tog Proven defence against dust mite allergies Endorsed by the British Allergy Foundation, Manufacturer: Marks & Spencer

Seersucker Bedset, at Marks & Spencer
Textured stripe design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size set includes duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Blue Harbour Linen Short Sleeve Plain Shirt, at Marks & Spencer
Relaxed and stylish, this check design shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Mixed Bead Multi Strand Necklace, at Marks & Spencers
Clasp fastening Adjustable length Rope chain Multi strand design Mixed bead Necklace length 46cm, extendable by 8cm

Autograph Pure Cotton Fine Stripe Shirt, at Marks & Spencers
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

The Floral Collection Bath Cream Pack, at Mark's & Spencer
Pack of 4 Includes: lavender, iris, magnolia and rose Moisture rich Foaming bath cream Magnolia Moisture Rich Foaming Bath Cream 50ml: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Magnolia Liliflora (Magnolia), Glycol Distearate Sodium Sulfate, Laureth-4, Glycerin, Disodium, EDTA, Amyl Cinnamal, Linalool, Butylphenyl Methylpropional, Citric Acid, Benzyl Salicylate, Geraniol, Benzophenone -2, Citronellol, Magnesium Nitrate, Isoeugenol, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Sorbitol, Methylisothiazolinone, Phenoxyethanol, Propylparaben, Methylparaben, Isobutylparaben, Ethylparaben, Butylparaben, CI 14700, CI 19140 Rose Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Rosa Centifolia (Rose), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Benzyl Salicylate, Styrene/Acrylates Copolymer, Citronellol, Linalool, Citric Acid, Magnesium Nitrate, Alpha-Isomethyl Ionone, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Lavender Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Lavandula Angustifolia (Lavender), Glycol Distearate, Sodium Sulfate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Linalool, Butylphenyl, Methylpropional, Magnesium Nitrate, Citric Acid, Sodium Lauryl Sulfate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben Iris Moisture Rich Foaming Bath Cream 50ml e 24M: Aqua, Sodium Laureth Sulfate, Sodium Chloride, Cocamidopropyl Betaine, Decyl Glucoside, Parfum, Glycol Distearate, Glycerin, Laureth-4, Disodium EDTA, Styrene/Acrylates Copolymer, Citric Acid, Magnesium Nitrate, Propylene Glycol, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Iris Flrorentina (Iris) Flower Extract, Sodium Sulfate, Hexyl Cinnamal, Linalool, Alpha-Isomethyl Ionone

Nintendo Wii™ Big Brain Academy Game, at Marks and Spencer
Student records keep track of your achievements and create a profile that others can play against when you are not there. You can even send your student record to a friend via WiiConnect24 Play alongside or against up to 7 friends as you find out who deserves to be top of the class! 3 modes of play: Brain Quiz, Mental Marathon and Mind Sprint Simple controls mean anyone can play straight away - to play, all you need to do is use the Wii Remote to point at the correct answer on your TV, leaving you to focus on the challenges that await at the Academy Category: edutainment, health and fitness Multiplayer mode: simultaneous Players: 1-8 Age rating: 3+ 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 *Must be returned with the tamper seal intact for full refund, ESRB Rating: Kids to Adults

Crossover Strap Sandals, at Mark's & Spencer
Crossover straps Stitch detail

3 Pairs of Assorted Stripe Socks, at Marks and Spencer
Brighten up his underwear drawer with these fashionable stripe socks

Pure Cotton Ruffle Front Jersey Top, at Marks & Spensers
Smart and stylish, this jersey top is made from cool comfortable cotton and features a ruffled front

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 M&S are so useful. Marks & Spencers Money financial products are, of course, designed to make M & S 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 Marks & Spencers Money 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 Marks & Spencers Money House Insurance than you will anywhere else, and you may even pay less with M&S.