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 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, 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.

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

Small Glass Candle Holder, at Marks and Spencers
Tall candle holder Cut glass design Dimensions: H22cm, Manufacturer: Marks & Spencer

16-Piece Coloured Handle Cutlery Set, at Marks & Spenser
16-piece set Coloured handles 18/10 stainless steel - the highest grade of stainless steel Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Secret Support™ Lace Trim Vest, at Marks & Spencer
Add a soft, supportive layer to your daily attire with the Secret Support™ incorporated into the design of this cosy vest

Patent Animal Print Shopping Bag, at Marks & Spencer
Fashionable and environmentally conscious, this animal print shopping bag makes a great alternative to plastic carriers

James Last - The Legend CD, at Marks and Spenser
Album, Marks & Spencer

DD-G Lace Strap Minimiser Bra, at Marks & Spenser
Soft and comfortable, this minimiser bra gently shapes your bust to make it look smaller. A flattering, supportive style

Padthaway Chardonnay 2006 - Case of 6, at Marks and Spencers
Style: Dry Grape variety: Chardonnay 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

Frill Trim Floral Print Swimsuit, at Marks & Spencers
Fresh and pretty, this fashionable swimsuit is specially designed to give great support and a flattering, comfortable fit. A sleek, shapely look

Miele S7280 Allervac Upright Vacuum Cleaner, at Marks and Spenser
6 litre dust bag capacity 1800W Sealed system for optimum filtration 14.5 metre operating radius The Active HEPA filter ensures air leaving the cleaner is free of allergens and odours Dust bag change indicator - signals when the dustbag needs to be replaced Rotary Dial to adjust the suction power for different floorings Telescopic stainless steel tube Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability An Upholstery nozzle, Dusting brush and Crevice nozzle are all stored at the rear of the cleaner Weight: 9.5kg Dimensions: H1160.6 x W349.3 x D377.9mm 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 Free 2 year guarantee, Manufacturer: Marks & Spencer

Adored Comfort Embroidered Orchid Padded Bra, at Marks & Spensers
Pretty and elegant, this underwired padded bra is made from the softest fabric and embroidery, so it feels blissfully comfortable to wear. Underwiring and padding give an uplifted and enhanced natural shape. Feminine everyday lingerie

Autograph Cotton Blend Straight Leg Jeans, at M&S
Fashionable and contemporary, these straight leg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Seville Antique Brass Glass Shelf, at Mark's & Spencer
Toughened safety-glass shelf Wall mounted Brass base material with antique nickel plating H15.22 x W45.6 x D13.5cm, Manufacturer: Marks & Spencer

Autograph Embellished Trim Kaftan, at Marks and Spencer
Luxurious and exclusive, this sophisticated kaftan is beautifully designed in a flattering, fashionable silhouette for the ultimate in style. It's made from soft, comfortable fabric and finished with careful attention to detail

Suzie Damask Jacquard Quilt, at M&S
L250 x W265cm Quilted Cotton Rich Damask design, Manufacturer: Marks & Spencer

Twin Bunnies in Stockings New Baby Card, at Marks and Spencer
Cover text: Congratulations... it's Twins! Inside message: Wishing you lots of happiness with your two bundles of joy! Approx size: Unfolded: 178 x 126mm

Lino Print Monkey Age 2 Birthday Card, at M+S
Cover text: It's your Birthday Inside message: Happy Birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Light Control Smooth Mesh Trim Body, at Mark's & Spencer
Look slimmer in seconds! This light control body gently shapes your figure all over for a smoother, sleeker silhouette

Lichfield 5-Drawer Tall Chest & 2 Bedside Chests Set, at Marks & Spensers
5-drawer tall chest: H119 x W66 x D50cm Bedside chests: H60 x W50 x D50cm Bedside chests have 3 drawers Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Drawers made from solid European hardwood Handles made from solid European hardwood Side panels are veneered 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

Per Una Dip Dye Cardigan with Scarf, at Marks & Spencer
A feminine long sleeve cardigan featuring a dip dye design and matching scarf

LED Light Collection Butterfly, at Marks and Spencers
Ideal use for garden lighting Butterfly design Batteries supplied H4 x W11cm This product is not available for international delivery. Find out more

Per Una Styled Ditsy Floral Padded Bra, at Marks & Spencers
Fresh and feminine, this stylish bra features a ditsy print and is finished with a lace trim. The padded balcony style gives maximum uplift and a fuller shape. Pretty everyday fashion

Autograph Mini Heart Shaped Jewellery Box, at Marks and Spencer
Modern and sophisticated, this fabulous heart shaped jewellery box. It makes a great gift, or why not treat yourself?

5 Pairs of Cotton Blend Sports Socks, at Marks&Spencer
Designed to cushion high impact areas, these comfortable cotton blend socks are an ideal choice for sports or PE

Clarendon Love Seat, at Marks n Spencer
H91 x W118 x D103cm Seat H52cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more 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 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 Feet are castors All of our fabrics are treated with Stain-Defence& trade; - 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 08457 624 624 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Portfolio Panelled Pencil Skirt, at Marks&Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Watermelon Refresher & Burner Oil, at Marks and Spencer
Watermelon fragrance 15ml, Manufacturer: Marks & Spencer

Fabric Beer Glass Card, at Marks & Spencer
Cover text: Happy Birthday Inside message: Have a great day! Approx size: 178 x 125mm

Autograph Leather Multiple Pockets Holdall, at Marks&Spencer
Stylish and contemporary, this leather holdall featuring multiple pockets and stitch detail is a fashionable and practical must-have

Per Una Notched Leather Belt, at Marks and Spenser
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Crayon Letters Thank You Card, at Marks & Spensers
Cover text: Thank you Thank you Thank you Thank you Thank you Inside message: Have a fantastic day! Approx size: 175 x 127mm

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks and Spencers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Money Direct products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Money Direct can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Money Direct insurance products (Buildings Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencer insurance products in document format too.