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 & 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, Sainsbury's, 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.

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

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 & Spencer, 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 Financial Services, you get more, and you pay less.

Per Una 3/4 Length Crochet Cardigan, at Mark's & Spencer
A sophisticated crochet cardigan, featuring a scallop trim and hook fastening

Pure Silk Bold Stripe Cushion, at Marks and Spenser
Rectangular shape Stripe design L43 x W60, Manufacturer: Marks & Spencer

Funky Faux Snakeskin Watch, at Marks and Spenser
Round face Analogue Faux snakeskin print strap Adjustable strap

Classic Collection Floral Print Jersey Top, at Marks & Spencers
This elegant easycare blouse has an integrated camisole for a feminine layered look. It makes the perfect match for skirts or trousers in coordinating colours from the Classic collection

Younger Girls' Dora Swim Bag, at Mark's & Spencer
Fashionable and practical, this swim bag features drawstring fastening. It's easy to carry and there's lots of room for all the essentials

Underwired Push-Up Multiway Bra, at Marks and Spenser
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

Gardening Print Mug, Tray & Coaster Gift Set, at Marks & Spencers
Set of 3 Gardening print Mug height: 10.5cm Coaster size: 10.5 x 10.5cm Tray size: L21 x W14 x D1.5cm, Manufacturer: Marks & Spencer

Ingredients Shea Nut Lip Butter, at Marks & Spencers
To help soften and smooth your lips Shea nut flavour 12ml

2 Piece Stripe & Spot Cosmetic Bag Set, at Marks & Spenser
Set of 2 Spot & stripe design Zip fastening Assorted size Large bag with handle Lined

Triple Layer Carrot Cake, at MarksandSpencer
14 Slices pre-cut Serves 14 Ready to eat 2.4kg Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 52 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

Detroit Extending Dining Table & 6 Alton Damask Chairs Set, at Marks and Spencer
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H99 x W46 x D55cm Table seats 6-8 Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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 manufacturer's instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

The Floral Collection Rose Moisture Rich Shower Cream, at Marks and Spenser
250ml Rose fragrance Moisture rich shower cream

2 Pairs of 10 Denier Body Shaper Tights, at Marks and Spencer
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Digital Alarm Clock, at Mark & Spensers
LCD time and alarm display Rectangular design Front buttons Dimensions: 10cm x 16cm x 6.5cm 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

Padthaway Chardonnay 2006 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 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 5 Pocket Denim Jeans, at Marks and Spencer
These straight leg jeans in pure cotton are great value. A practical, easycare style

5 Cotton Rich Bikini Knickers, at Mark's & Spencer
This pack contains 5 black, white and vanilla colour knickers. To see all 5 pairs, go to "click for zoom and other views" under the photo

Single Sprung-Edge 2 Drawer Divan & Autograph M500 Mattress - Medium, at Marks & Spencers
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 1225, depth 27.5cm Divan height: 41.5cm Single 3ft: W90 x L190cm 2 large right- or left-hand drawers Divan drawer size: H15 x W78.4 x D53cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Pure Lambswool Grid Check Jumper, at MarksandSpencer
An extremely comfortable crew neck grid check design jumper. It's made from extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Footglove™ Leather Ruched Shoes, at Marks and Spenser
Pointed toe Ruched design Slip on Mid heel Heel height: 67mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

4 Way Nail Buffer, at Marks and Spencer
Rectangular 4 way buffer Creates a smooth high gloss shine finish

M&S High Gloss Black Flat Panel TV Mounting System up to 52'', at Marks & Spencer
Supports flat panel LCD and plasma TVs up to 52" Clear tempered safety glass shelves Fits up to 4 audio video components and a center channel speaker Includes a cable management system to hide wires and interconnect cables Metallic black finish Scratch resistant, powder-coated steel framing Lower shelves weight capacity: 22.7kg Overall dimensions: H132.1 x W121.9 x D48.3cm Top shelf dimensions: H25.4 x W121.9 x D36.8cm Lower shelf dimensions: W121.9 x D36.8cm Boxed delivery - self-assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Embroidered Spot Cushion With Recycled Filling, at Marks and Spencer
Spot design Square shape, Manufacturer: Marks & Spencer

Philips 42FL5604 42" Full HD Digital LCD TV, at M&S
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: LCD Full HD W-UXGA Act. matrix, 1920 x 1080p Screen Enhancement: Anti-Reflection coated screen Brightness: 500 cd/m Viewing angle: 178 (H)/178 (V) Picture enhancement: Pixel Plus HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Colour Enhancement, Colour Transient Improvement, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver Sound: Output power (RMS) - 2 x 10 W; Sound Enhancement - Incredible Surround, Treble and Bass Control; Sound System - Nicam Stereo Child Protection: Child Lock+Parental Control Smart mode: Game, Cinema, Personal, Energy saving, Standard, Vivid Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Tuner bands: Hyperband, S-Channel, UHF, VHF Connectivity: Ext 1 Scart - Audio L/R, CVBS in, RGB; Ext 2 Scart - Audio L/R, CVBS in, RGB; Ext 3 - YPbPr, Audio L/R in; Front/Side connections - HDMI v1.3, S-video in, CVBS in, Audio L/R in, Headphone out, USB 2.0 Other connections - Audio constant level out, PC Audio in, PC-In VGA, S/PDIF out (coaxial), Common Interface; HDMI 1/2 - HDMI v1.3; EasyLink (HDMI-CEC) - One touch play, System info (menu language), Remote control pass-through, System audio control, System standby Mains power: 220240 V, 50 Hz Power consumption: 210 W Dimensions: W103.4 x H64.4 x D8.3cm Weight: 16kg, 20kg(with stand) Included Accessories: Tabletop swivel stand, Power cord, Quick start guide, CD-ROM with software + manual, User Manual, Warranty certificate, Remote Control, 2 x AAA Batteries Pixel Plus HD for better details, depth and clarity 28.9 billion colours for brilliant natural images Dynamic contrast 50000:1 for incredible rich black details 2.1 channel surround with subwoofer for deep bass USB for fantastic multimedia playback 3 HDMI inputs with Easylink for a full HD connection PC-input allows you to use your TV as a PC monitor MPEG4 HDTV reception via DVB-T and DVB-C tuner with CI+ 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 , Manufacturer: Marks & Spencer

Autograph Stainless Steel Cocktail Shaker, at Marks & Spencer
Metallic sheen Suitable for cocktails H30cm 10 cm deep, Manufacturer: Marks & Spencer

Per Una Supersoft Embroidered Spot Mule Slippers, at Mark's & Spencer
Mule style Round toe Flat sole Embroidered spots

Adored Jacquard Lace Trim Padded Bra, at Marks n Spencer
Classic and elegant, this gently supportive bra is made from the softest fabric and lace, so it's blissfully comfortable to wear. Underwiring and padding give an uplifted and enhanced natural shape. Feminine everyday lingerie

Elasticated School Plimsolls, at Marks and Spenser
Slip on Elasticated side band Thick ribbed sole Round toe

Autograph Embroidered Round Neck Top, 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

Pure Cotton Embroidered Animal Sleepbag, at Marks & Spensers
Cosy and comforting, sleepbags make a great way to stop babies getting tangled up in covers. This padded cotton rich embroidered sleepbag will keep him at a comfy temperature throughout the night

When you're shopping at Marks and Spencer 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 Marks & Spencer Money. Offering everything from savings accounts and credit cards, to Buildings & Contents Insurance and Motor Insurance, there's a lot more going on at Marks & Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from Marks & Spencer 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 Marks & Spencer Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the Marks & Spencer 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."