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 and 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 Spencers 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

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 Home 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 Home 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.

Classic Collection Cotton Rich Centre Crease Jeans, at Marks and Spencers
Fashionable and flattering, these straight leg cotton rich jeans are made with added stretch for improved comfort, fit and shape retention.

Portfolio Petite Paint Splash Tunic, at Marks&Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season.

4 Pairs of Autograph Cotton Rich Varied Stripe Socks, at Marks and Spencer
Modern and fashionable, these varied stripe socks are part of our exclusive Autograph collection

Autograph Pure Cotton Stripe Long Sleeve Shirt, at MarksandSpencer
This luxurious shirt is part of our exclusive Autograph collection. Its fine quality and careful attention to detail make it a superior and stylish modern classic

Autograph Beaded Stretch Bracelet, at M+S
Stretch bracelet Bead design Inner diameter: 18cm

Autograph Cotton Rich 3 Piece Waistcoat Outfit, at Marks n Spencer
Fun and practical, this cute 3-piece outfit features a stripe design. It's made from soft cotton to keep him comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Per Una Double Breasted Nancy Mac, at MarksandSpencer
A fabulous double breasted mac in stretch cotton. Weave design button details give it the Per Una touch

2 Per Una Essentials Clover Embroidered Padded Bras, at Marks and Spencers
Elegant and feminine, these bras are beautifully embellished with clover embroidery. Soft padding and underwiring give support and a flattering natural shape. Pretty everyday fashion

Tupungato Cabernet Sauvignon Malbec 2007 - Case of 12, at M&S
Style: Dry, full bodied Grape variety: Cabernet Sauvignon, Malbec Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Bold Stripe Wallpaper, at Mark's & Spencer
Manufacturer: Marks & Spencer

Ultimate Fishnet Tights, at Marks and Spencers
The ultimate in stylish design, these fishnet tights have added stretch so they'll always keep in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Luxury Wool Rich Single Breasted 2 Button Blazer with Cashmere, at Mark's & Spencer
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button jacket is exceptionally stylish and luxurious

4 Disney Princess Books, at Marks n Spencer
These enchanting Disney Princess board books bring all the magic of the classic Princess stories to young children. Including interactive questions about the story and beautiful illustrations, these books are sure to become favourites for parents and children alike.

Autograph Body Spray, at Marks and Spencer
Spray deodorant 150ml This product is not available for international delivery. Find out more

Cotton Rich Cropped Trousers, at M&S
Fresh and fashionable, these mid calf length trousers look chic with wedges, sandals or flat pumps. The centre pleat adds an extra touch of style

Maxim Cup & Saucer, at Marks & Spencer
A simple yet stylish cup and saucer Versatile fine dining range Pure white porcelain Suitable for everyday use Cup height: 6cm Saucer diameter: 16cm, Manufacturer: Marks & Spencer

Collezione Pure Cotton Stripe Shirt, at Marks & Spencer
Italian style is renowned for its attention to detail. Each collezione piece is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this shirt to give you a feeling of luxury like no other

Sony PSP™ 3000 Console with 3 Games Bundle, at Marks and Spencer
Bundle includes PSP 3000 console and 3 games FIFA 09: Step onto the pitch and play professional football your way in FIFA 09. Experience the most authentic football simulation EA Sports has delivered as you live the fantasy of playing as a professional player and customise the game to suit your style and ability Tiger Woods PGA 09: Whether you're a seasoned veteran or hitting the links for the first time, now everybody swings on an even playing field in Tiger Woods PGA TOUR 09 All-Play Patapon 2: For years the Patapon tribe has lived in the desolate frontier, driven from their home by the evil Zigoton army. Behind the Patapons' cute exterior, lies a fierce warrior spirit that can only be commanded by the beat of their Gods war drum. They wait for the day that the "Almighty" will return, to lead them against their enemies and bring them back to their homeland. Finally, their wait has come to an end as the drums of war are heard once again Display: 4.3'' display (16:9) full-transparent type, TFT drive, 480 x 272 pixel, Approximately 16,770,000 colors displayed Improved screen: Capable of displaying movies and photos in more natural and vibrant colors CPU: PSP CPU (System clock frequency 1-333MHz) Built-in microphone: Enables voice chat as soon as you are in a WiFi zone. Enjoy games that use a microphone, Skype and other communication tools TV play: Expanded AV interlaced output gives better refresh rates and sharper images on the TV Sound: Built-in stereo speakers Main memory: 64MB Video formats supported: MPEG-4, AVI Audio formats supported: MP3, MP4, WAVE, WMA, ATRAC3™, ATRAC3plus™ Photo formats supported: JPEG, TIFF, BMP, GIF, PNG Connectors: USB connector, Memory Stick Duo™ slot, Video out/headset connector, DC in/out Input/output: Wi-Fi, High Speed USB, Memory Stick PRO Duo™, Analog Video Out, Microphone

Cosy Knee High Stripe Socks, at Marks and Spencers
These essential knee highs are outstanding value. They're made with added stretch and a reinforced toe for comfort and durability

Multiway Plain Padded Bra, at Mark's & Spencer
Whether you wear it strapless, cross-over or conventional, this smart bra offers the best in versatile comfort thanks to a multiway design and gently padded cups. An essential addition to any wardrobe

Sleeveless Pleated Bib Tunic, at Marks and Spencer
This pleated bib tunic is a real winner this season. Featuring button detail and crinkle effect, it's a fashionable contemporary piece

Sonoma Media Unit, at Marks and Spencer
H48 x W120 x D50cm Equipment space: H11 x W110 x D49cm Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handle made from solid wood 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pointed Toe Ankle High Boots, at Marks & Spencer
Pointed toe Centre stitch detail Side zip fastening Ankle high Mid heel Heel height: 54mm Comes in sizes 3-8, including half sizes

Post Surgery Modal Blend E-G Bra, at Marks&Spencer
Smooth and modern, this padded and underwired bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

2 Padded Non-Wired Plain Bras, at MarksandSpencer
Soft and comfortable, these plain bras are structured for secure support and an enhanced natural shape. Ideal for everyday wear

Pure Cotton Leaf Embroidered Runner, at Marks and Spencer
Leaf embroidered design Dimensions: L235 x W35cm, Manufacturer: Marks & Spencer

Cropped Linen Blend Sailor Button Trousers, at Marks and Spenser
Warm marmalade and rich chocolate are just two of the key summer shades that these great value linen blend trousers come in

M&S Easy Media Create and Copy Software, at Mark's & Spencer
Roxio Easy Media Creator 9 Software Copy music and movies to CD and DVD Make photo slideshows with music and animation Transfer music and movies to iPod, PSP or mobile phones Edit video and create home DVDs with menus Convert LP's and tapes to CD, DVD and MP3 or WMA formats 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

Pure Cotton Cargo Shorts, at Marks and Spencers
Comes with belt shown in image A contemporary take on a casual relaxed look, these pure cotton cargo shorts feature multiple pockets. A fashionable, easycare style

Sweet Bergamot Lantern Candle, at Marks and Spenser
Sweet bergamot fragrance Includes wooden plate Burns up to 4 hours, Manufacturer: Marks & Spencer

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spenser 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 & 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 M&S Money Direct, you get more, and you pay less.