M&S Money Direct 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 Direct 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 MarksandSpencer 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 M&S Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.

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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from M&S, 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 & Spencer Money, you get more, and you pay less.

M&S Money Direct 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 House 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 House 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 Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Sony VAIO VGN-CS21S Laptop, at Mark's & Spencer
Processor: Intel CoreTM 2 Duo Processor T6400, Supports Enhanced Intel SpeedStep Technology Memory: 800 DDR2 SDRAM (2x2GB) Hard Drive: 320 GB, 5400 (rpm) Display: 14.1" (1280 x 800) X-black LCD Operating System: Genuine Windows Vista Home Premium Graphics: NVIDIA GeForce 9300M GS GPU Interfaces: Memory Stick™ Std / Duo, Memory Stick™ PRO Std / Duo, high speed data transfer Interfaces: Stereo Headphones/Speakers Jack Interfaces: USB Port x3 Connectivity: Ethernet network, Built-in Modem V.92/V.90 and Integrated Wireless LAN Battery: Lithium-Ion battery (VGP-BPS13S) Audio software: VAIO Music Box, Windows Media Player 11, SonicStage Mastering Studio 2.4 Video and TV software: Me&MyVAIO, VAIO Content Importer / Exporter, WinDVD BD 8 for VAIO, DivX Player and Converter, VAIO Movie Story Photo software: Adobe Photoshop Elements 6, Picture Motion Browser, VAIO Movie Story CD-DVD Burning software: Easy Media Creator 10, Click to Disc/Editor Office Application software: Adobe Reader 8.1, Adobe Standard 8, Microsoft Works 9.0, Microsoft Office Trial 2007 (60 days Try & Buy) Security and other software: McAfee Internet Security Suite (with 60 days free virus update), VAIO Recovery Utility 2.6 - HDD recovery (hidden partition), Google software package Supplied: AC Adaptor, battery and power cord Dimensions: D245 x H29 to 39.8 x W335.8mm Weight: 2.6 Kg (with battery and supplied drive) This product is not available for international delivery. Find out more 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

Per Una 3/4 Sleeve Pearly Cardigan, at Marks and Spenser
A feminine 3/4 sleeve cardigan featuring an open weave knit and button fastening

Cake Cooling Rack, at MarksandSpencer
Square rack design, Manufacturer: Marks & Spencer

Single Breasted 2 Button Jacket, at M&S
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

Nature Plate, at Marks & Spencer
Round shape Swirl design Diameter: 32cm, Manufacturer: Marks & Spencer

Autograph Stud Gladiator Sandals, at Marks and Spenser
Open toe Stud strap detail Buckle fastening Mid heel Heel height: 8cm Comes in sizes 3-8, including half sizes Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

125 Years Gift Card, at Marks and Spenser
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Harvard Moisturising Aftershave, at Mark's & Spencer
Alcohol free 100ml Smooth sparingly over your face and neck, after washing and shaving Avoid contact with the eyes. Do not apply to broken, irritated or sensitive skin This product is not available for international delivery. Find out more

3 Easycare Short Sleeve Blouses, at Mark & Spencers
This 3 pack of easycare short sleeve blouses is outstanding value. Reinforced seams give extra strength and durability

Mixed Bead Short Row Necklace, at Marks and Spencers
Dual-strand feature Clasp fastening Adjustable length Mixed bead design Necklace lengths: 40cm, extendable by 8cm

Limited Collection Modal Blend Lace Trim Shorts, at Marks and Spencer
Fabulous and modern, these shorts are part of our Limited Collection lingerie. They're made from modal blend and designed to fit and flatter. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Stripy Mortar Board Graduation Card, at Marks & Spencer
Cover text: Well Done! On your graduation Inside Message: Blank for your own message Approx. Size: 150 mm x 150 mm

Assorted Hair Bands, at MarksandSpencer
Tie back those tresses in style with these fabulous hair bands

2 Alton Scroll Back Antiqued-Leather Chairs, at Marks & Spencer
H103 x W55 x D66cm Upholstered in antiqued-leather Sold as a pair Solid oak Scroll back 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Low Rise Crochet Detail Shorts, at Marks & Spenser
Low rise shorts are perfect for wearing with hipster styles and these stylish crochet detail shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Pure Cotton 3/4 Sleeve Cropped Cardigan, at Marks and Spencer
Modern and fashionable, this pure cotton cardigan is outstanding value

Portfolio Petite Basket Weave Dress with Belt, at Mark's & Spencer
Fashionable and modern, this dress features a basket weave print. A flattering, stylish look.

Ultimate Crossword Puzzle Book, at Mark's & Spencer
Contains over 600 crosswords, Manufacturer: Marks & Spencer

Classic Guipure Vest, at Marks and Spencer
This guipure vest is outstanding value. A great opportunity to stock up your underwear drawer!

The Bourne Identity Blu-ray DVD, at Marks & Spencers
Rating Suitable for 12 years and over,

Long Sleeve Tie Waist Dressing Gown, at Marks&Spencer
Soft and stylish, this cosy dressing gown is made from soft fleece so you can snuggle up in style and comfort. Available in 2 lengths

Pure Wool Animal Trim Bow Detail Cloche Hat, at Mark & Spensers
Keep ahead of the trends with this glamorous animal trim bow detail cloche hat. The perfect finishing touch to stylish winter outfits

Pure Cotton Broiderie Vest Top, at Marks and Spencer
This sleeveless vest top will make a useful addition to your wardrobe. It features a pretty lace trim for a stylish casual look

Collezione Luxury Wool Rich Flat Front Trousers, 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 these trousers to give you a feeling of luxury like no other

Marble Collection Tumbler, at Marks & Spencers
Cylinder shape Marble Round base H10cm x W6cm x L6cm, Manufacturer: Marks & Spencer

Pure Cotton Hello Kitty Short Sleeve Top, at Marks and Spencer
Fans of Hello Kitty will love this cotton top featuring the popular character. A practical, easycare style

Pure Cotton Long Sleeve Robot T-Shirt, at Marks and Spencers
Fun and fashionable, this long sleeve t-shirt in soft cotton features a robot motif design and slogan. A practical easycare style

Plain Mule Slippers, at Marks&Spencer
Dip your feet into lush comfort with the slip-on design of these cosy mule slippers. The non-slip sole ensures peace of mind, while the inner lining feels like a heavenly treat

Sony PSP™ 3000 Console & Buzz Brain Bender Bundle, at Marks and Spenser
Bundle includes PSP 3000 console and Buzz Brain Bender Game Buzz Brain Bender: Buzz! swaps his trademark game show suit for a lab coat and clipboard. Welcome to Buzz!: Brain Bender - a lighter, entertaining and humorous new take on the puzzle genre! 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 Power source: Lithium-Ion rechargeable battery pack, AC adaptor, USB power supply Dimensions: L17 x D1.8 x W7.1cm Weight: 189g (including battery pack)

Short Sleeve Bold Abstract Print Dress, at Marks and Spencer
Make a fashionable statement in this godet insert dress featuring a bold abstract print. Added stretch and a great cut give a figure-flattering fit

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 MarksandSpencer are so useful. M&S Money Direct financial products are, of course, designed to make Marks n 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, House Insurance policies. Usually, UK House 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 Direct House 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 Direct House Insurance than you will anywhere else, and you may even pay less with M&S.