Marks & Spencers 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 & Spencers 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 Mark's & 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:

• 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 & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

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

2 Younger Boys' Stripe & Check Belts, at Marks&Spencer
Fun and fashionable, these stripe and check design belts add a stylish finishing touch

Blue Harbour Pure Cotton Long Sleeve Ombre Check Shirt, at Marks and Spencer
Smart casual style for less! This pure cotton shirt is outstanding value

Limited Collection Ruched Ankle Boots, at Marks and Spencer
Pointed toe Ruched detail Stitch detail Side zip fastening Mid heel Heel height: 44mm Comes in sizes 3-8, including half sizes

Halterneck Sailor Stripe Swimsuit, at Mark & Spencers
Sleek and modern, this fashionable swimsuit features a sailor stripe panel. Designed to fit and flatter

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

Photographic Toy Cat Daughter Birthday Card, at M+S
Cover text: Happy birthday to a special daughter Inside message: Blank for your own message Approx size: 150 x 150 mm

Ethnic Heart Cluster Necklace, at Marks and Spencers
Adjustable length Clasp fastening Heart cluster design Necklace length 82cm, extendable by 8cm

Sketchy Farm Animals Multipack of Mini Cards, at Marks and Spencers
Pack Contains: 8 cards, 4 designs Cover text: Design 1: Thank you, Design 2: Thanks! Thanks! Thanks!, Design 3: Thank you very much!, Design 4: Thank you 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: 95 x 80mm

Per Una Forest Stripe Tankini Briefs, at Marks & Spenser
Striking high rise tankini briefs featuring a stripe design and high leg. Make a splash!

Compton Coffee & Side Table Set, at Marks & Spensers
Coffee table: H44.5 x L90 x W90cm Side table: H57 x W50 x D57cm Coffee table has fixed shelf Side table has a drawer Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Drawer fronts and boxes made with solid hardwood. Draw bottoms made with oak veneer Solid hardwood legs Side panels, door panels, back panels made from oak veneer. Top panels made from oak veneer with a solid oak edging for strength Handles made of solid antiqued brass 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 , Manufacturer: Marks & Spencer

Serveware - NEW LARGE BOWL, at Marks and Spencer
Manufacturer: Marks & Spencer

Small Tie Hanger, at Mark & Spensers
Keep your ties smartly stored with this small tie hanger. An essential part of any gentleman's wardrobe

Pure Cotton Contrast Trim Stripe Shirt, at Marks n Spencer
Smart and stylish, this stripe shirt is made from cool comfortable cotton and features contrast trim

Diamond Pointelle Vest, at Marks & Spencer
Ideal for the colder months, this pretty vest will provide an attractive extra layer under clothes. Easy care fabric makes it a great choice for convenient wash and wear

Footglove™ Leather Whip Stitch Detail Ankle Boots, at Marks and Spencers
Round toe Whipstitch detail Zip fastening Ankle high Block mid heel Heel height: 47mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Classic Collection Waterfall Jersey Top, at Mark's & Spencer
Ideal for everyday wear, this smart top is made from soft easycare fabric and the fit is comfortable and flattering. A fashionable and practical style

Luxury Pure Cotton Long Sleeve Poplin Shirt, at Marks and Spencer
Woven from superior cotton to provide the best in fit and feel, the crisp lines of this Savile Row inspired design presents the ultimate in formal sophistication

Photo Roses Wife Birthday Card, at Marks & Spencer
Cover text: To my beautiful wife Inside message: Blank for your own message Approx size: 215 x 150 mm

2 Mosaic Seat Pads, at Mark & Spensers
Set of 2 Seat pads for Mosaic stackable chairs Suitable for indoor and all-weather outdoor use This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Easy Iron Pure Cotton Short Sleeve Satin Stripe Shirt, at Marks and Spencer
Stylish and innovative, this long sleeve stripe easycare shirt is quick and easy to iron for a smart crisp look

Per Una Stripe Print Chiffon Dress, at Marks & Spencer
An elegant sleeveless chiffon dress, featuring empire line and stripe design

Younger Girls' Walkmates Floral Embroidered T- Bar Shoes, at Marks and Spencer
Round toe T-bar design Buckle fastening Embroidered and cut out floral detail Flat sole

Pure Linen Turn-Up Sleeve Check Shirt, at Marks n Spencer
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Philips RQ1051 Electric Shaver, at Marks & Spensers
Flex and pivot action: Three independently flexing heads in a shaving unit that swivels with full range of motion. This unique combination ensures optimum skin contact in curved areas to catch even the most problematic neck hair Tripletrack shaving heads: The three shaving tracks of the Triple-Track shaving heads offer 50% more shaving surface than standard, single track rotary shaving heads Precision cutting system: Ultra thin heads with slots to shave the long hairs and holes to shave even the shortest stubble Super lift and cut technology: The dual blade system lifts hairs to cut comfortably below skin level Precision tube trimmer: Patented tube trimmer technology for great precision and manoeuvrability. Perfect for contouring and trimming moustache and sideburns Can be easily rinsed under the tap Corrosion free heads Travel lock feature Battery status indicator Shaving unit replacement indicator Accessories: charging stand, protection cap, cleaning brush

Black Aluminium 24cm Skillet, at Mark & Spensers
Non-stick aluminium Triple layer non-stick coating for low fat cooking and easy cleaning Tempered glass lid for easy visibility Riveted handle Soft touch silicone handle for strength and durability Oven safe up to 180/240C/350F/ gas mark 4 Glass lid Diam 24cm, Manufacturer: Marks & Spencer

Girls' Limited Wetlook Leggings, at Marks and Spencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Big & Tall Flat Front Trousers, at Marks and Spencers
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

4 Granite Coasters, at Marks & Spencer
Pack of 4 Square shaped, Manufacturer: Marks & Spencer

Autograph 4 Piece Suit Outfit, 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

Soft Vanilla Pot Pourri Balls, at Marks & Spencer
Vanilla scented, Manufacturer: Marks & Spencer

There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks & Spensers Standard Motor Insurance. With Marks & Spencers 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 & Spencers Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Mark & Spensers, 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 Marks & Spencers Money, you get more, and you pay less.