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 Mark & 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.

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 MarksandSpencer, 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 Money Direct, you get more, and you pay less.

Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Mark & Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spensers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencer Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencer Money website.

Pirque Estate Sauvignon Blanc 2007 - Case of 12, at Marks and Spencer
Style: Dry, medium bodied Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Reversible Jigsaw Quilted Bedcover, at Marks and Spencers
Jigsaw pattern Reversible 150 x 200cms, Manufacturer: Marks & Spencer

Cotton Blend Pyjama Bottoms, at Marks & Spencer
Fashionable and practical, these contrast drawstring pyjama bottoms are made from soft breathable cotton blend fabric for a comfortable night's sleep

Moulton Coffee Table, at M&S
H45 x L120 x W60cm Oval shaped table Glass top Glass table tops are made from safety-tested toughened glass Bottom under shelf Made from solid ash and ash veneer All wooden shelving is finished with a starburst veneer effect 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 table as part of a set. Click here to view the Moulton Collection Set. , Manufacturer: Marks & Spencer

Single Breasted Pinstripe One Button Jacket, at Marks & Spencers
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Skinny Plaited Belt, at Mark's & Spencer
Define your waistline with this fashionable plainted skinny belt

Die Cut Cake Sister Birthday Card, at Marks & Spencers
Cover text: Happy Birthday Sister Inside message: With love Approx size: 170 x 126mm

Large Woven Straw Holiday Bag, at Marks n Spencer
Functional and stylish, this spacious holiday bag is ideal for carefree days on the beach or shopping at home

Ceriso Styled Floral Embroidered Shorts, at Mark & Spencers
Flirty and feminine, these modern shorts feature floral embroidery and bow detail. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

Long Sleeve Zip Fastening Leather Jacket, at M & S
Leather jackets always look modern and this long sleeve zip-up jacket is a luxurious and fashionable style

Whole Lightly Smoked Stuffed Scottish Lochmuir™ Salmon Side, at Marks & Spencers
Serves 4-6 Ready to cook Suitable for freezing 1.2kg As featured on page 39 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

Firm Control Smooth Magic High Leg Knickers, at Marks and Spencer
These knickers work like magic with targeted control areas to shape you where you need it most - flattening tummies and lifting bottoms for a sleek, streamlined silhouette. They're comfortable, breathable and easy to move in and a special finish keeps you cool and dry

Autograph Short Sleeve Dobby Stripe Shirt, at Marks and Spencers
Casual and contemporary, this stripe shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Detroit Side Table, at Marks and Spencers
H56 x W50 x D50cm Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Shelves made with oak veneer 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 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

White Pearl Damask Table Numbers, at MarksandSpencer
Contains: 12 table numbers Approx size: 150 x 110 mm

Nectarine & Orange Filled Candle, at Marks & Spensers
Manufacturer: Marks & Spencer

Performance Lace Up Shoes, at Marks&Spencer
Round toe Lace up Lace stitch design Contrast stitch detail

Per Una Essentials Clover Embroidered Padded Plunge Bra, at Marks & Spencers
Feminine and delicate, this stylish bra is beautifully embellished clover embroidery. It's underwired for extra support and the plunge style gives an enhanced shape. Pretty everyday fashion

Per Una Linen Blend Lightweight Jacket with Scarf, at Marks & Spencers
A smart single breasted lightweight jacket in a cool linen blend fabric. A woven scarf makes it extra stylish

Double Breasted Chunky Knit Cardigan, at Marks and Spencer
Modern and stylish, this cardigan is a great work-to-evening style.

Sprung-Edge Divan on Legs & M400 Mattress - Medium, at M+S
Single mattress (3ft): W90 x L190cm Double mattress (4ft 6in): W135 x L190 cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Single divan (3ft): W90 x L190cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 24cm Divan height: 31cm Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Pocket sprung mattresses give a flexible feel Mattress spring count: 1054 Sprung-edge divan can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person 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 , Manufacturer: Marks & Spencer

Pin Dot Underwired Padded Multiway Bra, at MarksandSpencer
Smooth and versatile, this pin dot bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

10 Personalise Your Own Pink Heart Place Cards, at Marks & Spencer
Pack contains: 10 cards, 1 design Approx size: Flat: 90 x 90mm, Folded: 45 x 90mm The cards in this pack are made with material from FSC certified sustainable forests

Perfect Single Breasted Stitch Detail Jacket, at Marks and Spenser
This lightweight jacket, in autumn's key shade of red, is versatile enough to dress up or down

Pure Silk Satin Bow Tie, at Marks & Spensers
Smart and sophisticated, this pre-tied bow tie adds an elegant finishing touch. Made from luxurious pure silk

Tiny Fairies 21st Birthday Card, at Marks and Spencer
Cover text: Having so much fun, now you're 21 Inside message: Have a fantastic birthday! Approx. size: 150 x 150mm

Autograph Pure Cotton Short Sleeve Dash Print Shirt, at Marks and Spenser
Stylish and contemporary, this pure cotton short sleeve shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this seasons key looks, so you wont find it anywhere else

Per Una Cable Knit Mule Slippers, at Marks & Spensers
Mule style Round toe Flat sole Cable knit design Contrast lining

Girls' Limited Cotton Blend Tregging Trousers with Belt, at Marks n Spencer
Modern and stylish, these easycare cotton blend tregging trousers make a fashionable and practical choice

M&S Cable Tidy, at M+S
Free 2 year guarantee Tidy up that unsightly pile of cables and wires by gathering them together in this neat cable tidy

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.