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 M & S 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 Tescos 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.

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

There are lots of ways to save money using M&S Money. Not least of these is Marks & Spensers 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 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.

Older Girls' Mixed Bead Wide Brim Hat, at Marks & Spenser
Fashionable and fabulous, this wide brim hat adds a stylish finishing touch

Charlotte Large 2-Seater Sofa, at Mark's & Spencer
H94 x W184 x D96cm Seat H50cm, arm H63cm, top back rail H77cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Feet are castors All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Beatrix Potter Wrap Pack, at M & S
Pack contains: 2 sheets, 2 tags Each sheet: 495 x 695 mm Tags: 80 x 55 mm (folded) Frederick Warne & Co Limited 2008

Sonoma Dark 3-Door Glazed Top Unit, at Marks and Spencers
H110 x W179 x D33cm 6 glass shelves Glass doors and shelves made from toughened safety glass Internal lights with on/off switch This top unit is designed to sit on the Sonoma Dark 3-Drawer Sideboard. Click hereto view the Sideboard Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength 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 SAVE ON SETS Save at least 25% when you buy this top unit as part of a set. Click here to view the Dark Sonoma Collection Set. , Manufacturer: Marks & Spencer

125 Years Pure Cotton Long Sleeve Check Shirt, at Marks & Spencers
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Fingerless Hooded Gloves, at Marks and Spencers
Fab and fashionable, these long fingerless gloves in a supersoft knit will give any outfit a cool contemporary twist

Petite Short Sleeve Snake Print Shirt, at M&S
Chic and modern, this short sleeve shirt features a stunning snake print. A vibrant new look, perfect for this season. Specially designed and perfectly proportioned for the petite frame

Sony NAS-SC500PKE Giga Juke Hi-Fi System, at Marks & Spencer
Multi-room package for wireless streaming New design refresh and superb sound quality speakers 160GB HDD (store up over 40,000 songs) Total 100w RMS (50w x2) with digital amplifier iPod Cradle Direct WALKMAN dock on top DAB/FM/AM tuner Auto title labelling (update through Internet) Quick and easy music file transfer (import from PC) USB MP3 Recording/ Playback/Charging Sense Me

Playmobil Patrol Car Toy, at M&S
Suitable for ages 4+ Flash light Hinged back seat Includes car, policemen, storage box with accesories This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Flat Front Crease Resistant Trousers, at Marks and Spencers
Stay smarter for longer with these innovative crease resistant trousers

DeLonghi Icona Toaster - Pearl White, at Marks and Spencers
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel All functions with neon indicator Extra lift position Variable browning controls Extra deep crumb tray Pearl white finish 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

Bootleg Plain Denim Jeans, at M&S
A wardrobe essential at a great price, these on the waist bootleg jeans are outstanding value. Stock up on style!

Crozes Hermitage 2007 - Case of 6, at Marks and Spencer
Style: Medium bodied Grape variety: Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Autograph Merano Chaise (Right-Hand Arm), at Mark's & Spencer
H84 x W176 x D100cm Seat H47cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options have reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Glide feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material This product is not available for international delivery, Manufacturer: Marks & Spencer

Coupe Mug, at Marks and Spencers
Suitable for everyday use Versatile fine dining range Makes an ideal gift Pure white porcelain H10cm, Manufacturer: Marks & Spencer

Low Rise Shorts, at M&S
These exceptionally soft comfortable shorts are finished with smooth flat edges, so there are no visible outlines under clothes. The close fit and low rise style give a sleek, shapely look. Designed for women who want a streamlined silhouette

Stripe Bedset, at Marks & Spensers
3 part set Stripe and star design Set includes single duvet cover, 1 pillowcase and a printed bag, Manufacturer: Marks & Spencer

Nail Treatment Pens, at Marks and Spencer
Cuticle softener pen with natural oils to hydrate and soothe your cuticles. Apply daily to the cuticle bed Nail nourishment pen with natural oils, aloe vera and vitamins A, C and E to strengthen your nails while maintaining flexibility and resistance to breaking. Apply daily to the nail surface Nail polish corrector pen angled tips instantly remove dry nail polish to achieve a professional finish. Extra tips can be used as spares or interchanged to prevent colour transfer

Formula Revivial Cosmetox Eye Lift, at Marks and Spencer
Proven results after 4 weeks Collagen-boosting actives to improve your skin's structure Hyaluronic acid filling spheres to plump your skin Matrixyl™ , a natural peptide to rejuvenate skin and leave facial wrinkles diminished Argireline™, a protein that discourages muscle contraction to prevent formation of wrinkles Hypoallergenic 10ml

The Mail Trivia Quiz Book, at Marks & Spensers
The Daily Mail Trivia Quiz Book - hundreds of stimulating Q&As on every conceivable subject

Pure Cotton Hooded All-In-One Suit, at Marks n Spencer
Cute and practical, this all-in-one suit features stripe design. The soft cotton fabric will keep him comfy

Ingredients Coconut Body Polish, at Mark & Spensers
Exfoliating scrub Coconut scented 200ml

Pure Cotton Short Sleeve Heart Print Top, at Marks and Spencer
Modern and fashionable this pure cotton heart print top is outstanding value

Mamma Mia - The Movie Soundtrack CD, at Marks & Spencer
Audio CD, Marks & Spencer

Pure Cotton V-Neck Nightdress, at Marks & Spencers
Pretty and feminine, this v-neck nightderss is made from soft breathable cotton for a comfortable night's sleep

Dogtooth Print Flexilite Umbrella, at M & S
Brighten up rainy days with this stylish flexilite umbrella

5 Cool & Fresh Cotton Rich Assorted Slips, at M+S
Made from soft breathable stretch cotton, these comfy slips are ideal for everyday wear.

Lichfield 5-Drawer Wide Chest, at Marks&Spencer
H90.5 x W116.5 x D50cm With three small and two wide drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered Top panel is veneered with solid oak edging for strength 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. SAVE ON SETS Save at least 25% when you buy this chest as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Big And Tall Suedette Rib Jacket, at Marks & Spensers
Specially proportioned for big and tall men, this single breasted jacket is designed to give a flattering, comfortable fit

Silver Plated Abalone Tri-Strand Necklace, at Marks and Spenser
Tri-strand design Abalone nugget Assorted multifaceted beads Length: 41cm This product is not available for international delivery. Find out more

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 Buildings & Contents 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 & Contents 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.