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 M+S 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 UK and European Breakdown Cover, since it covers you as a passenger too.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer 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 & Spencer, 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.

When you're shopping at Marks and Spenser online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M+S Money. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at M & S than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Collezione Exclusive Pure Cashmere Herringbone Jacket, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit 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 garment to give you a feeling of luxury like no other

5 Luxury Pure Cotton Check Handkerchiefs, at Marks & Spencer
Luxuriously soft handkerchiefs in pure cotton

Albany Mug, at Marks & Spencers
Round mug Plain Height 8cm, Manufacturer: Marks & Spencer

Adored Comfort Leaf Embroidered High Leg Knickers, at Mark & Spensers
Soft and pretty, these embroidered briefs are made from the softest fabric and trims, so they feel blissfully comfortable to wear. The high leg style makes legs look longer, giving a flattering shapely fit. Feminine everyday lingerie

Smart Recycled Stormwear™ Trousers, at Mark's & Spencer
These smart trousers are made from polyester from 100% recycled sources. They are treated with our unique Stormwear™ finish which repels water and stains

Barletta Large 2-Seater Sofa, at Marks & Spencers
H85 x W227 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Includes 2 free matching bolsters All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Luxury Mattress and Divan Set - Firm, at M&S
Single (3ft): W90 x L190 Double (4ft 6): W135 x L190 King Size (5ft): W150 x L200 Super king size (6ft): W180 x L200 Anti-allergy - provides effective protection against dust mite allergies, so you'll have a trouble free sleep Mattress has 2200 independent pocketed springs in two layers Mattress filling is a combination of lambswool, cotton and loose hair Cotton-felt provides a soft surface, while wool tufts hold the filling in place Hand-stitched sides support the mattress walls and extend the sleeping area Divan has 956 pocket springs Timber frame Feet are high-quality castors This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

Enamel Diamanté Photo Frame 25 x 20cm (8 x 10"), at Marks & Spensers
Diamant flower detail Metallic trim Aperature 20 x 25cm (8 x 10 in), Manufacturer: Marks & Spencer

Spot Print Mesh Push Up Bra, at Marks and Spencer
Flattering and comfortable, this push-up bra is designed to give a fuller uplifted shape and enhanced cleavage

Classic Collection Linen Blend Floral Print Jacket, at Marks and Spencers
Smart and modern, this luxurious linen blend jacket is cleverly cut for a flattering fit. A large floral print adds a stylish finish

Per Una Widefit Double Band Shoes, at Marks & Spencers
2 band design Buckle detail Low heel Heel height 57mm Comes in sizes 3-8, including half sizes

F100 Open Coil Memory Foam Coolmax° Mattress & Sprung Edge Non-Storage Divan, at Marks and Spencer
No turn mattress Mattress and divan are anti-allergy Mattress: spring count 288, depth 23cm Divan height: 41.5cm Single 3ft: W90 x L190cm Double 4ft6: W135 x L190cm King size 5ft: W150 x L200cm Super king size 6ft: W180 x L200cm This product is not available for international delivery. Find out more Cannot be used in conjunction with any other offer, Manufacturer: Marks & Spencer

12 Cup Muffin Tray, at Marks & Spensers
Ideal for baking sweet or savoury muffins Heavy gauge easy to clean bakeware Premium non-stick coating Soft grip handles L18 x W26.5cm, Manufacturer: Marks & Spencer

Hooded Zip Up Fleece Jacket, at Mark & Spensers
Soft and warm, this cute floral design fleece jacket will keep her cosy. A comfortable practical style in easycare fabric

Tupungato Syrah 2008 - Case of 6, at Marks & Spenser
Style: Full-bodied Grape variety: Syrah Country of origin: Argentina Closure: Natural Cork Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Summer Jazz CD, at Marks and Spencer
Audio CD, Marks & Spencer

Pure Cotton Satin Rose Pillowcase, at Marks and Spenser
Rouched floral panel Slim pleat trim, Manufacturer: Marks & Spencer

Per Una Mixed Bead Enchanted Bracelet, at Marks and Spencer
Stretch bracelet Mixed bead design Multiple enchanted charms

Refreshing Trio Collection - Case of 12, at M+S
4 Hungarian Pinot Grigio Ros 2007: An appealing, fresh, vibrant ros, with a delicate strawberry aroma... 4 Hungarian Pinot Grigio 2007: A refreshing aromatic white with vivacious fruity flavours of limes, tangerines and melons... 4 Hungarian Sauvignon Blanc 2007: A refreshing, modern Sauvignon Blanc with a lively aroma... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

5 Cotton Rich Contrast Heel & Toe Socks, at Marks & Spencer
Soft and comfortable, these cotton rich socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

125 Years Pure Wool 3 Button Stripe Jacket, at MarksandSpencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Stainless Steel Can Opener, at Marks and Spencer
Classic design Built-in bottle opener, Manufacturer: Marks & Spencer

5 Older Girls' Pure Cotton Heart Print Shorts, at Marks & Spencer
Cute and trendy, this pack of 5 cotton shorts makes a great way to stock up on essential style

Lone Range Pinot Noir 2006 - Case of 6, at Marks and Spencer
Style: Full bodied Grape variety: Pinot Noir Country of origin: New Zealand Closure: Natural cork Bottle: 6 x 75cl. Suitable for vegetarians Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml:1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Long Sleeve Lambswool Cardigan, at Marks and Spencers
Soft and comfortable, this long sleeve cardigan is made from pure lambswool

Nina Simone - The Legend CD, at Marks & Spencer
Audio CD, Marks & Spencer

Pure Merino Wool Mock Layer Jumper, at Marks and Spenser
Smart and stylish, this mock layer jumper is made from pure merino wool. It's luxuriously soft, warm, and fine but also hardwearing and easycare, making it a natural choice

Blue Harbour Pure Cotton Short Sleeve Shirt, at Mark's & Spencer
Stay cool during the summer season with this short sleeve shirt. It's made from soft cotton and looks great with jeans or shorts

Formal Pinstripe Suit Trousers, at Mark & Spencers
Perfect for smart occasions, these modern pinstripe trousers make a fashionable and practical choice

Cotton Rich Tartan Shirt & Plain T-Shirt, at Mark's & Spencer
This fashionable layered look is a 2 piece set - a t-shirt and shirt both in soft comfortable cotton. Stylish, practical and easycare

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 Spencer are so useful. M+S Money financial products are, of course, designed to make M & S 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.