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

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

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money Direct 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 Marks n 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 Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

Pure Merino Wool Roll Neck Jumper, at M & S
Modern and stylish, this roll neck jumper is made from fine merino wool for luxurious warmth and softness

For Him Gift Card, at Mark's & Spencer
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Lace Back High Leg Knickers, at M & S
Embrace essential comfort with lace design and flattering high leg of these cosy knickers. Their snug fabric is soft and easy to care for too

Pure Cotton Stripe Hooded Top, at Marks & Spenser
Soft, snug and comfy, this hooded cotton top is outstanding value. It features stripe design. Fashionable and practical

All Whites Welcome Mix - Case of 12, at Marks and Spencer
2 Pinot Grigio Trentino 2008: A delightful example of Pinot Grigio from the cool foothills of Trentino in northern Italy... 2 Spinsanti Chardonnay 2008: An elegant and refreshing, lightly oaked Chardonnay from the Mendoza region of Argentina... 4 Domaine de L'Arbre Blanc 2008: A deliciously fruity Mediterranean white from the sunny South of France... 4 Aldea White 2008: This fruity, unoaked white wine is bursting with flavours of pineapple, apricot and aromatic herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una Cream Eye Shadow, at Marks and Spencers
Pen style applicator Waterproof Smudgeproof Comes in 6 different shades 5ml

Fuzzy Teddy Thank You Multipack of 8 Cards, at Marks & Spencers
Cover text: Thank You Inside message: Blank for your own message Approx. size: 120mm x 120mm

Rasteau 2007 - Case of 6, at Marks&Spencer
Style: Full bodied Grape variety: Grenache, Syrah, Mourvedre Country of origin: France 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

2 Cotton Rich Velour Jogging Bottoms, at M+S
Soft, comfy and cute, these jogging bottoms are outstanding value!

Doves First Communion Card, at Marks and Spencer
Cover text: Celebrating your first communion Inside message: Have a wonderful day! Approx size: 174 x 126mm

Secret Support™ Lace Trim Vest, at Marks & Spenser
Flattering and feminine, this nightdress is made with Secret Support™ which gives gentle support and a flattering, defined shape. A soft, comfortable style

Ethnic Bead Drop Earrings, at Marks and Spencer
Hook fastening Drop style Mixed bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Short Sleeve Stripe Print Blouse, at Marks n Spencer
This stripe print blouse has a stylish tie sleeve feature. A key fashion essential this season

Luxury Pure Wool Pinstripe Trousers, at Marks & Spenser
Get 30% off price shown. Discount applies at checkout Hours of handcrafting have gone into this superior quality suit for authentic tailored style. Every detail has been carefully considered to give a luxurious look and feel

Sony Memory Stick PRO Duo 16GB, at Marks and Spencer
Optimum for storing, sharing and transferring thousands of high quality pictures, videos and music Memory: Flash Memory Storage Capacity: 16GB Dimensions: 20 x 31 x 1.6mm Weight: 2g Operating Voltage: 2.7 V - 3.6 V Environmental temperature: -25C to 85C Minimum write speed: 15 Mbps(1875MB/sec) Free to Download, the Memory Stick Data Rescue Service enables quick recovery of deleted photographs and files(www.sonydigital-link.com/memstick/) Warranty: 5 years Delivered with a standard size adaptor Ideal for high resolution video recording Compatible with all Sony Cyber-shot, Handycam, VAIO, PSP & Alpha released after 2007 Compatible with copyright protection technology ("MagicGate")

Wood Photo Frame 10 x 15cm (4 x 6"), at Marks & Spenser
Rectangular frame Removeable mount card H24.5 x W19cm Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Soft Vanilla Lantern Candle, at Marks & Spencers
Soft vanilla fragrance Includes wooden plate Burns up to 4 hours, Manufacturer: Marks & Spencer

3 Aperture Photo Frame with Mount 10 x 15cm (4 x 6''), at Marks & Spensers
3 identical apertures Long rectangular frame Removeable mount card Aperture: 10 x 15cm (4 x 6in) H26.5 x W47cm, Manufacturer: Marks & Spencer

Autograph Flat Front Plain Trousers, at Mark & Spensers
Smart and stylish, these flat front trousers are made from fine quality pure wool. A practical, hardwearing and fashionable choice

Pure Cotton Mock Waistband Jeans, at M&S
Contrast stitch styling gives this jeans a modern twist. A practical and fashionable style

Cats Desk Calendar, at Marks & Spencers
3D effect Dimensions: 155 x 180mm

M&S 3m Gold Scart Cable, at Marks & Spensers
3 metre cable 24 carat gold connections Multiple shielding for minimum interference 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 This product is not available for international delivery. Find out more

Pure Cotton Belted Knee Dart Jeans, at Marks & Spencer
Comes with belt shown in image These straight leg jeans in pure cotton are great value. A practical, easycare style

Bold Stripe Hipster Bikini Bottoms, at Marks and Spencer
Gorgeously feminine, these stylish bikini bottoms feature a striking bold stripe print. Make a splash!

Short Sleeve Pintuck Top with Modal, at MarksandSpencer
Pretty and feminine, this pintuck top is made with modal, a supersoft fabric that feels luxurious and comfortable to wear

Earth Spa Sea Mineral Body Wash, at Marks and Spencer
200ml To replenish and pamper Ingredients: Aqua, Sodium Laureth Sulfate, Cocamidopropyl Betaine, PEG-18 Glyceryl Oleate/Cocoate, Alcohol Denat. Sodium Chloride, Laureth-4, Polysorbate 20, Parfum, Fucus Vesiculosus Extract, Benzophenone-3, Benzyl Salicylate, Disodium EDTA, Laminaria Digitata, Butylphenyl Methylpropional, Limonene, Hexyl Cinnamal, Linalool, Citronellol, Triethylene Glycol, Benzyl Alcohol, Citric Acid, Propylene Glycol, Lavandula Hybrida Oil, Ferula Galbaniflua Oil, Magnesium Nitrate, Pogostemon Cablin Oil, Methylparaben, Methylchloroisothiazolinone, Magnesium Chloride, Sorbic Acid, Methylisothiazolinone, CI 42090, CI 19140

Per Una Heart Charm Drop Earrings, at Marks & Spencers
Stud fastening Floral and heart design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Cotton Rich Multiway Underwired Follow On Bra, at Marks & Spencers
This simply styled great value bra is ideal for everyday wear. It's made from stretchy fabric for a supportive and comfortable fit. Designed as a follow on bra, the unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Collezione Wool Rich Flat Front Stripe Trousers, at Marks and Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 this garment to give you a feeling of luxury like no other

Bright Balloons Roll Wrap, at Mark's & Spencer
Includes 1 roll wrap 150 x 70cm

There are lots of ways to save money using M&S Money Direct. Not least of these is MarksandSpencer Standard Motor Insurance. With M&S Money Direct 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 Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark & Spencers, 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.