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 & 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 & 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 and Spencer 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 and 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 Finance, you get more, and you pay less.

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

3 Pairs of Cotton Rich Spot & Stripe Design Socks, at Mark's & Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Double Breasted Funnel Neck Jacket, at Marks and Spencers
Smart and stylish, this double breasted funnel neck jacket makes a comfortable and practical choice

5 Younger Girls' Pure Cotton Sleeveless Plain Vests, at Marks & Spencers
Stock up on stylish essentials with this 5 pack of cotton vests

Gold Plated Mini Floral Necklace & Earring Set, at Marks & Spencer
Butterfly stud fastening earrings Clasp fastening necklace with adjustable length Mini floral design

5 Cheeky Monkeys, at M+S
Count the cheeky monkeys as they swing into the jungle looking for bananas in this beautifully illustrated board book. Includes a Chatter! sound button to press. Chunky die-cut monkeys are perfect for little hands

Gardening Collection Books, at Marks & Spencer
This collection includes three great gardening books (Small Gardens, Pots & Containers, A Year in your Garden), a Planning your Gardening Year poster and a handy notebook

M&S 8 in 1 Accessories Pack for Nintendo™ Wii™, at Marks n Spencer
8 accessories compatible with Nintendo™ Wii™ Includes accessories for Wii™ tennis, Wii™ baseball, Wii™ golf and Wii™ Mario cart Also includes 2 padlock straps, protector cover and controller grip for Wii™ control panel Please note- this product is not made or endorsed by Nintendo™ 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

Autograph Pure Linen Relaxed Trousers, at Marks and Spencer
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

Cotton Rich Waistband Detail Trousers, at Marks & Spencers
Simple and stylish, straight leg trousers are a modern classic. This pair sits on the waist and are cut to give a flattering shape that's always in style. Added stretch gives the perfect fit

Pure Cotton Collegiate Baseball Cap, at Mark & Spensers
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in the park, the baseball cap is a true summer essential

Pure Cotton Short Sleeve Check Shirt, at M&S
A contemporary check print makes this cotton shirt a trend-conscious choice for fashionable boys. Stylish, practical and easycare

Collezione Wool Rich Single Breasted 3 Button Stripe Jacket, at Marks & Spencer
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

Official ECB Pure Cotton Joggers, at Mark's & Spencer
A must for cricket fans! These official England Cricket Board joggers feature the England Cricket logo. An easycare style in soft comfortable cotton

Sterhuis Sauvignon Blanc 2007 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. 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

Pure Cotton Spot Print Trousers, at Marks and Spencer
Fashionable and practical, these spot print trousers feature flap patch pockets. Soft cotton fabric will keep babies feeling comfy

Autograph Pure Cotton Belted Jeans, at Marks and Spencer
Soft cotton fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. These high quality, great value jeans are designed to keep baby looking adorable and feeling comfy and happy

Blue Harbour Self Stripe Polo Shirt, at Marks and Spenser
Stylishly smart casual, this polo shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Limited Collection Low Heel Slingback Shoes, at Marks and Spenser
Pointed toe Slip on Plain Slingback style Mid heel Heel height: 45mm

Pure Silk Assorted Squares Tie, at MarksandSpencer
Add a luxurious finishing touch with this smart assorted square tie in pure silk

Per Una Supersoft Scotty Dog Mule Slippers, at Marks and Spencer
Mule style Round toe Flat sole Scotty dog embellishments Contrast lining

Per Una Floral Print Frill Blouse, at Marks and Spencer
An elegant short sleeve blouse in a soft cotton blend. Frill detail gives it the Per Una touch

Spencer Bear, at Marks n Spencer
Cute and cuddly, this huggable Spencer Bear makes for a great gift

Château D'Argadens 2007 - Case of 6, at Mark & Spensers
Style: Grape Variety: Sauvignon Blanc 65%, Semillon 35% Country of Origin: France Closure: 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

12 Mini Beef Wellingtons, at Marks & Spensers
Contains 12 pieces Serves 12 Ready to cook Suitable for freezing 220g As featured on page 12 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Per Una Linen Blend Bootleg Trousers, at M & S
Come with belt shown A sophisticated pair of bootleg trousers in pure cool linen. A weave belt makes them extra stylish

Big & Tall Blue Harbour Knee Length Trekking Shorts, at Mark & Spencers
These classic shorts are an excellent addition to any causal wardrobe thanks to a smart, easy to wear design. Team with a long sleeve shirt or plain tee for an effortless summer look

Pair of Pompenette Trees, at Marks and Spencer
Add some bright colour to your garden space with this beautiful pompenette standard Available for delivery until 30th September 2009

First Reader Gingerbread Man Book, at Marks and Spencer
This popular story is part of the First Readers range. The Gingerbread man has runaway and can't be caught - or can he?

Autograph Jewel Moccasin Pumps, at Marks n Spencer
Round toe Patent effect Jewel detail Slip on Flat sole Comes in sizes 3-8, including half sizes

Happy Birthday Cupcake Card, at Marks and Spencer
Cover text: Happy Birthday Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

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