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 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 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 and Spencer are so useful. M+S 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, Household Insurance policies. Usually, UK Household 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 Household 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 Household Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks & Spencers online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M+S Money. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Knee Length Flared Belted Skirt, at Marks & Spencers
Sleek and stylish, this flared skirt makes a fashionable, flattering choice. A glamorous modern look

Bottle Shaped Food Chopper, at Mark & Spencers
Bottle shape Clear plastic strip Contrast colour detail H25cm x W9cm, Manufacturer: Marks & Spencer

Classic Collection Velour Wedge Slippers, at Marks & Spencer
Treat your feet to the warm comfort of these velour wedge slippers. They're a terrific option for lounging around the home in cosy style

2" Longer Pure Cotton Fine Stripe Shirt, at Marks and Spencer
Keeping the taller man specifically in mind, this smart shirt features an extra 2" of fabric in the sleeve and body to provide a perfect formal fit

Artificial Fragranced Tall Lilies in Glass Mirror Vase, at Marks and Spencer
Artificial lilies Presented in a tall glass vase H77.5cm, Manufacturer: Marks & Spencer

Interlocking Oval Drop Earrings, at Marks and Spencer
Interlocking oval design Drop style Butterfly fastening Gold plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Pure Cotton Butterfly Print Vest, at Marks & Spencers
A butterfly print makes this soft cotton vest fabulously fashionable

5 Cotton Rich Seamfree Plain Shorts, at M&S
These seamfree cotton rich shorts are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Little Sweetheart Bedset, at Marks and Spencer
Little sweetheart design Set includes single duvet cover and 1 pillowcase Duvet cover: L198 x W137cm Pillowcase: L76 x W48cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Short Sleeve Shirt, at Marks and Spencers
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Hand Finished Kitten Card, at Marks and Spencer
Cover text: To a special little girl on her birthday Inside message: Blank for your own message Approx size: 215mm x 150mm

Autograph Pure Silk Plain Tie, at Marks and Spencer
Add a luxurious finishing touch with this pure silk tie

Camouflaged Military Cap, at Marks and Spencer
Keep your cool in this camouflaged sun hat, a summer and holiday essential

Girls Only Scrapbook Fun, at Marks and Spencer
Complete this scrapbook to make a record of your unique, amazing life! There are spaces for your drawings, photos and thoughts, plus lots of cool stickers to decorate your masterpiece

Ultimate Non Iron Pure Cotton Classic Bengal Shirt, at Marks&Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Ultimate Sudoku Puzzles, at Marks and Spenser
Are you a Sudoku fan? Then you'll love the Ultimate Sudoku Puzzles. It's filled with over 600 different puzzles, has a spiral bound design for easy use and includes a pen too

Fresh Feet Stitch Espadrilles, at M&S
Round toe Stripe design Flat sole Slip-on

Rosina Large 2-Seater Occasional Sofa Bed, at Marks & Spencers
H85 x W196 x D97cm (opens to L233cm) Seat: H47cm (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 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 Solid birch feet with a medium finish Mattress: L180 x W130 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa bed will support a maximum combined weight of 160kg 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 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

Duck Egg Leaf Damask Quilt, at M+S
L250 x W265cm Leaf jacquard design, Manufacturer: Marks & Spencer

Wide Fit Leather Toe Cap Shoes, at Marks & Spenser
Wide fit Round toe Stitch detail Lace-up 5 eyelets Block heel

Pure Cotton Spot Print Cropped Pyjama Bottoms, at Marks and Spencer
Fashionable and practical, these spot print pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Sony BDP-S360 Blu-ray Disc™ Player, at Mark & Spencers
Picture quality: HD1080p High Definition 24p True Cinema: View the film exactly as it was shot Xcross Media bar: Easy to navigate user interface which mirrors the design used in BRAVIA & Playstation Bonusview:: Picture in picture visual content can be displayed during movie playback Network Firmware Update: Internet connection via Ethernet port for automatic product update to BD Live BRAVIA Sync: One push functionality x.v. Colour: More vibrant & truer colours for better picture quality Dimensions: W43 x H6 x D22cm Weight: 2.9kg Upscaling of DVD Video content to 1080p Dolby Digital Plus/ Dolby True HD (7.1ch) decoding Cinema Tuned Picture Modes Photo TV HD

Autograph Crocodile Derby Lace-Up Shoes, at Marks & Spencers
Luxurious and stylish, these leather shoes are part of our exclusive Autograph collection. Their superior quality, design and attention to detail make them modern classics

3 Pairs of Ladder Resist 10 Denier Matt Knee Highs, at Marks n Spencer
An M&S exclusive. Amazing yarn stops holes turning into ladders. Three way stretch gives a perfect fit. The comfort top is designed to keep them in place without leaving marks

Cotton Rich Border Trim Blanket with Wool, at M+S
Plain Border trim Comes in sizes single (3ft), double (4ft 6in), king size (5ft)and super king size (6ft), Manufacturer: Marks & Spencer

Pure Cotton Hooded Reversible Jacket, at Marks and Spencers
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value reversible jacket is designed to keep baby looking adorable and feeling comfy and happy

Camouflage Brother Birthday Card, at Marks n Spencer
Cover text: Birthday Brother Inside message: Have a great day Approx size: 150 x 150mm

2 Older Girls' Heart Trim Crop Tops, at Mark & Spencers
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Collezione Twin Toe Cap Shoes, at Marks and Spencer
Square toe Gusset toe cap stitch Lace-up Block heel

Classic Square Buckle Leather Belt, at Marks & Spencers
Add a smart finishing touch with this leather square buckle belt

Besides Marks n Spencer Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M+S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spencer purchases are also protected while you take them home.

Also, on both M+S Money Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.