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, Sainsburys, 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.

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 Home 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 Home 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.

Marks & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Mark's & Spencer 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 website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or Home Insurance - besides a number of other insurance products, M+S Money 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 insurance products (Home 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 M & S insurance products in document format too.

Pure Cotton Bright Stripe T-Shirt & Shorts, at Marks & Spencers
Contemporary and fashionable, these pure shortie pyjamas make the perfect choice for relaxing in style and comfort

Autograph Stormwear™ Bomber Jacket, at Marks & Spencers
Stylish and contemporary, this bomber jacket is treated with Stormwear™ technology, a breathable finish that repels water and stains

My Friend's Handbag Heaven, at Marks and Spencer
Suitable for ages 3+ Contains a handbag, cell phone, cards and instructions Comes with felt decorations Develops creativity This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Blue Harbour Heritage Pure Cotton Self Stripe Jacket, at Marks and Spencer
A smartly tailored Blue Harbour self-stripe jacket in pure cotton fabric

Sony Ericsson W350i - Vodafone Pay as you talk Mobile Phone, at Mark & Spencers
A maximum of 2 phones per customer may be purchased Talk time: Up to 8 hours Stand-by time: Up to 360 hours Dimensions: 10.3 x 4.2 x 1.1cm Weight: 80g Bandwidth: 900/1800/1900 Standard features: Memory slot, memory card, Bluetooth, hands free, voice activated dialling, Triband, GPRS, organiser and alarm Special features: Active flip, downloadable realtones, data modem, voice memo recorder and webmail Fun features: 1.3MP camera, games, polyphonic ringtones and mp3 player Vodafone Pay as you talk: Your mobile service provider will be Vodafone. A Vodafone SIM card is included with this handset. Click here to view Vodafone's Pay as you talk tariffs. 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

Pure Silk Check Print Lightweight Scarf, at Marks & Spencers
Add a luxurious finishing touch to your look with this elegant pure silk check print scarf. The perfect accessory to this season's styles

Classic Collection Fleece Gilet with Detachable Faux Fur Collar, at Marks & Spencers
Add a cosy extra layer with this modern gilet. Fashionable as well as practical, it will keep you warm and comfy without compromising on style.

Tonal Flower Padded Bra, at Marks & Spencer
Sleek and contemporary, this modern pinstriped bra gives a perfectly smooth outline under clothes. Light padding and underwiring give an enhanced natural shape. Designed for a streamlined silhouette

Winter Weight Pure Cotton Flat Front Twill Trousers, at M&S
The perfect choice for colder days, these smart trousers are made from warm, hardwearing fabric

Cotton Rich Spot Print Bikini Knickers, at M & S
Pretty and feminine, these cute spot print bikini knickers sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Non-Wired Grasita Lace Bra, at Marks and Spencers
Soft and comfortable, this lace bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear

Sauvignon Blanc VdP Val de Loire 2008 - Case of 6, at Marks & Spencer
Grape variety: 100% Sauvignon blanc Country of origin: France Closure: Natural Cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Walkmates Younger Boys' Leather Open Toe Sandals, at Marks and Spencer
Open-toe Riptape fastening Contrast stitching Flat sole

Traditional Lace Pull-On Girdle, at Marks and Spenser
A traditional girdle with a high level of support to gently control tummies and shape hips. The perfect foundation for a smooth look

Limited Pure Cotton Long Sleeve Cardigan, at Mark & Spencers
Knitted in pure cotton, this cute cardigan will keep him warm and comfy. It looks cuddly too!

Pure Cotton Jersey Woven Pyjamas, at Marks & Spencer
Pretty and feminine, these jersey woven pyjamas are made from soft breathable cotton for a comfortable night's sleep

Generic Pencil Case, at Marks & Spenser
Circular design Zip fastening Oblong shape Circle tab feature Floral design

Collezione Pure Wool Single Pleat Trousers, at M&S
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 to give you a feeling of luxury like no other

Bright Sparks My Bumper Workbook English & Maths, at Mark's & Spencer
Carefully linked to the National Curriculum, this English & Maths bumper workbook gives ideal support to primary school children. Over 200 gold stars and sticker badges to encourage and reward your child

Limited Collection Pure Silk Pleat Dress, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Sartia Morellino di Scansano 2007 - Case of 12, at MarksandSpencer
Style: Dry, medium bodied, unoaked Grape variety: Sangiovese 80% and Syrah 20% Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. 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

5 Pairs of Assorted Cotton Rich Trim Dress Socks, at Marks and Spenser
Comfortable, practical and fashionable, this 5 pack of trim dress socks is made with soft breathable cotton

Isis Deodorising Body Spray, at MarksandSpencer
To Use: Shake well. Spray 15 cm from your body Deodorising body spray 150ml This product is not available for international delivery. Find out more

Pure Cotton Ultimate Non Iron Long Sleeve Stripe Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Pure Cotton Floral Embroidered Lace Trim Cushion, at M&S
Rectangular shape Embroidered flower design Lace trim detail Dimensions: H30 x L40cm, Manufacturer: Marks & Spencer

Autograph Neck Tie Blouse with Camisole, at M&S
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Black & Ivory Die Cut Rose Wedding Card, at Marks & Spensers
Cover text: Wedding Inside message: Blank for your own message Approx size: 230 x 114mm

Stainless Steel Food Timer, at M+S
Twist setting timer, Manufacturer: Marks & Spencer

Griffin iTrip SE - FM Transmitter For iPod, at Mark's & Spencer
Free 2 year guarantee iTrip broadcasts the music from your iPod to an open FM frequency so you can listen to your tunes through the nearest FM radio. Use it with car radios, boomboxes, or your home or office entertainment system.This design update for iTrip features a new, brighter high-contrast display, easier to read in any light. Griffin-exclusive SmartSound technology optimizes the FM signal sent to your receiver, for the best-quality sound possible

2 Cotton Rich °Climate Control Short Sleeve Vests, at Marks & Spencer
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

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 financial products are, of course, designed to make Mark's & 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, Home Insurance policies. Usually, UK Home 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 Home 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.