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 Spencers 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.

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 Household 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 Household 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.

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 & Spensers are so useful. M&S 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, 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.

Blue Harbour Pure Cotton Stripe Polo Shirt, at Marks & Spensers
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

3 °Climate Control Cotton Rich Assorted Trunks, at Mark & Spencers
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Autograph Cotton Rich Trousers, at Marks & Spensers
Stylish and comfortable, these straight leg trousers give a regular fit through the hip and thigh

Cat Print Umbrella, at Marks and Spencer
Brighten up rainy days with this stylish lightweight umbrella

Lavender Scented Pillar Candle, at Marks and Spencer
Lavender fragrance Includes candle plate Burns upto 50 hours, Manufacturer: Marks & Spencer

6 Summer Garden Hand Finished Multipack of Cards, at M&S
Cover Text: Both designs blank Inside Message: Blank for your own message 6 cards, 2 designs Approx size: 200 x 80 mm

Autograph Styled Pleated Shorts, at Marks and Spencers
Luxurious and elegant these flattering shorts feature a femine pleated skirt design. The modern low leg styling gives a shapely fit. Beautiful exclusive lingerie

Limited Collection Angel Wings Necklace, at Marks and Spencer
Clasp fastening Adjustable length Angel wings pendant Fine chain Necklace length: 45cm, extendable by 8cm

Fox Hollow Verdelho 2008 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Verdelho and Semillon 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

Autograph Milan Soap Dish, at M&S
Dipped centre Wall mounted Approx size: W10.6 x L7 x D1.3cm, Manufacturer: Marks & Spencer

Dad's Den Card, at Marks and Spencers
Cover text: Dad's den Inside message: Have a wonderful day Approx size: 175mm x 126mm This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future

Petaluma Tiers Chardonnay 2005 - Case of 6, at Mark's & Spencer
Style: Dry, full bodied Grape Variety: Chardonnay Country of origin: Australia Closure: Natural cork 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

Limited Collection Chantal Charm Bracelet, at Marks & Spensers
Stretch style Multiple layer Mixed beads and charms

Woven Silk Floral Dot Tie with Stain Defence™, at Marks&Spencer
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Platinum Plated Sparkle Stud Earrings, at Marks & Spensers
Platinum plated Diamant detail Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Die Cut Heart Wife Anniversary Card, at Marks and Spencer
Cover text: To my lovely Wife, Who I dearly adore; The love of my life Forever more. Happy Anniversary Inside message: Blank for your own message Approx size: 220 x 220mm

Pure Silk Woven Thin Stripe Tie, at Marks & Spencers
Add a luxurious finishing touch with this contemporary thin stripe tie in pure silk

Collezione Luxury Wool Rich Centre Pleat Trousers with Cashmere, at M&S
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 these trousers to give you a feeling of luxury like no other

Mini Limited Stripe Cardigan, at Marks & Spensers
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering.

3 Pairs Of Trainer Socks, at Marks and Spencers
Designed to hide neatly inside your trainers, these breathable cotton rich socks are made with added stretch for comfort, superior shape retention and durability

Silver Plated Simple Oval Necklace & Earring Set, at Mark's & Spencer
2 part set Hook fastening drop style earrings Clasp fastening necklace with pendant Oval design

Pure Cotton Hooded Stripe Polo Shirt, at Marks and Spencer
A stylish smart-casual look, this long sleeve hooded polo shirt in soft cotton features a stripe design. Practical, comfortable and easycare

5 Fruity Beauty Shower Jellies, at M & S
Pack of 5 Luscious lime, wowee plum, funky orange, supercool berry and shocking raspberry flavours

Medium Value Soft Leaf Print Rollercase, at Mark & Spensers
Capable of expanding to provide an extra 20% of luggage space, a tough, hardwearing fabric and fitted padlock for extra security helps ensure your peace of mind while on the move

Penny Sweet Row Necklace, at Marks & Spencer
Clasp fastening Mixed bead design Link chain Necklace length: 41cm, extendable by 8cm

2'' Longer Pure Cotton Stripe Long Sleeve Shirt, at Marks & Spencer
Woven in pure cotton fabric, long sleeves and double button cuffs add a smart focus to your office look. A practical and convenient choice for everyday wear

The Incredibles Collector's Edition DVD, at Marks & Spensers
Rating Universal, suitable for all,

Mirrored 5-Drawer Chest, at Mark's & Spencer
H102 x W51 x D40.5cm 5 drawers Mirrored finish with clear knobs 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 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 chest as part of a set. Click here to view the Mirrored Collection Set. , Manufacturer: Marks & Spencer

Gold Finish Wood Photo Frame 13 x 18cm (5 x 7"), at Marks and Spenser
Rectangle shape Pine wood border Gold finish Aperture: 13 x 18cm (5 x 7") Dimensions: H19.1 x W24.2 x D2.7cm, Manufacturer: Marks & Spencer

100 Denier Thermal Opaque Tights with Wool, at Mark's & Spencer
These cotton blend thermal tights will keep you feeling warm during the cold months. Added stretch gives a great fit and shape retention

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

• M&S Insurance: M&S Motor Insurance, M&S Household 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 and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

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