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:

• 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.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while M&S once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spenser, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers 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 Buildings & Contents 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 Mark's & 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.

Portfolio Pure Silk Contrast Border Lightweight Scarf, at Marks & Spensers
Add a luxurious finishing touch to your look with this elegant pure silk contrast border scarf. The perfect accessory to this season's styles

Signature Ginger Lily Scented Filled Candle, at Marks and Spencer
Ginger lily fragrance Glass holder Burns up to 40 hours, Manufacturer: Marks & Spencer

Perfect Cotton Rich Circle Print Top, at Marks & Spencers
A bold print tee looks great with plain dark trousers, or wear it under a suit for a splash of pattern and colour

Die Cut Butterflies Age 7 Birthday Card, at MarksandSpencer
Cover text: 7 Happy birthday Inside message: To...from Approx size: 174 x 126mm

Classic Collection Multi Spot Dress with Bolero, at Mark & Spensers
Sophisticated and elegant, this lovely dress is made from soft multi spot print fabric. A fashionable style with a comfortable, flattering fit

2 Older Girls' Floral Baseball Caps, at M+S
Fashionable and fabulous, these baseball caps are a great choice for fun in the sun

Per Una Silk Blend Rosa Knitted Top with Linen, at Marks and Spencer
A stylish 3/4 sleeve top featuring a scoop neck with fluted cuffs and hem. Comes with necklace shown

Delicious Everyday Drinking - Case of 12, at Marks and Spencers
2 Sicilia Bianco 2008: Clean, fresh limey aromas with lively fruit on the palate. A really refreshing, fruit dry wine... 2 Face Face Colombard Sauvignon 2008: This is a tangy, rounded and lively style of wine, a delectably modern take on the traditional styles of white from south-west France... 2 Casablanca Sauvignon Blanc 2008: A lively, zesty dry white with an inviting, fresh, slightly grassy aroma and mouthwatering flavours of gooseberry, pear and melon... 2 Rosso di Puglia 2008: Ripe but soft Italian red wine, deeply coloured with rich blackberry and cherry notes and hint of toasted nuts... 2 La Croix d'Austran Bordeaux 2008: This is claret at a fantastic price but with that classic scented, earthy and tobacco-leaf character that is so typical of Bordeaux reds... 2 Casablanca Pinot Noir 2008: An exceptionally fruity, soft and moreish red wine that is aromatic with juicy flavours of cherry and mulberry... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Pure Silk Multi Stripe Tie, at Marks & Spencer
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Leather iPod Nano Sleeve, at M & S
The leather case offers a way to help protect your iPod nano from day to day knocks and scrapes, ideal for use when travelling with cut out slots for headphones and click wheel so you don't need to remove the Nano from the case to use it

125 Years Recipe Journal, at Marks & Spencer
1 binder 6 section dividers 5 plastic wallets Sheets plain and lined paper Approx size: 186m x 228mm

Autograph Leather Side Lace Bumptoe Shoes, at Marks & Spencers
Tramline design Side lace Stitch detail Square bumptoe Small block heel

Short Sleeve Pure Cotton V-Neck T-Shirt, at Marks and Spencer
This fashionable cotton t-shirt features a v-neck design for a fresh modern look

High Heel Elastic Trouser Shoes, at Marks and Spenser
Pointed toe Elastic detail Slip on Patent effect Heel height: 6.6cm Comes in sizes 3-8, including half sizes

Square Neck Hexagon Print Top, at Marks & Spenser
Smart and stylish, this square neck top features a colourful hexagon print. A sophisticated new look, perfect for this season

Small Chopping Board, at Marks and Spenser
With handle L27.5 x W17.5 cm, Manufacturer: Marks & Spencer

3 Pure Cotton Long Sleeve Cowboy Tops, at MarksandSpencer
Cute and practical, this pack of 3 tops is great value. The soft cotton fabric will keep him comfy and happy

Perfect Scorpius Hard Medium Rollercase, at Marks & Spencers
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

Gentle Music for Babies CD, at Mark & Spensers
Audio CD, Marks & Spencer

Pink Gem Heart Slim Diary, at Marks and Spencer
Dimensions: 165 x 80mm

Abbey Armchair, at MarksandSpencer
H95 x W95 x D95cm Seat H54cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 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 samples: 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 than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Magic Loc Collection Robe Hook, at Marks n Spencer
Single hook Wall mounted This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Formula Age Repair Collagen Boosting Serum & Ceramide, at Marks & Spencers
Targets fine lines and wrinkles Hexapeptides - Helps increase the production of collagen Hyaluronic Acid - Plumps the skin to help reduce fine lines and wrinkles Suitable for all skin types Hypoallergenic 30ml

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

Pure Cotton 3/4 Turn-Up Sleeve Check Shirt, at Marks & Spencer
Smart and stylish, this 3/4 turn-up sleeve shirt is made from cool comfortable cotton and features front pockets and check print

M&S Wireless Speakers, at Marks n Spencer
Compatible with all iPods and MP3 players Suitable for indoor or outdoor use 30 metre range Up to 5 hours battery life Easy to set up and use Includes remote control Dimensions: H24 x W16 x D15cm 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

Stripe Seat Pad, at M+S
Tie fastening Stripe design Padded, Manufacturer: Marks & Spencer

Charlotte Large 2-Seater Occasional Sofa Bed, at Marks and Spenser
H94 x W184 x D96cm (extends to L242cm) Seat H50cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 Feet are castors Mattress: L180 x W112 x D6cm Foam mattress rests on polypropylene base Mattress recommended for occasional use Sofa Bed will support a maximum combined weight of 160kg 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 Free swatch samples - 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Kneeling Buddha, at Marks and Spencer
L12 x W11 x H25cm Terracotta base Crafted by Buddhist artisans For indoor decorative purposes Hand finished, Manufacturer: Marks & Spencer

Pure Cotton Multi Pocket Hooded Parka, at Marks & Spencer
Fashionable and practical, this contemporary parka features a hood. It's machine washable for added convenience

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