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 Marks and Spenser 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.

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

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 Mark's & Spencer are so useful. M+S Money financial products are, of course, designed to make Marks and Spencers 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.

Floral Necklace & Hair Clip Set, at MarksandSpencer
Set of 3 Necklace with adjustable clasp fastening 2 hair clips Floral design Necklace length: 40cm, extendable by 5cm

Sleeveless Button Tab Camisole, at MarksandSpencer
This scoop neck top makes a perfect way of getting the smart casual look this season. It has a tab button detail for an extra touch of stylish chic

The Curious Case of Benjamin Button DVD, at M & S
Rating Suitable for 12 years and over,

Strawberry & Clotted Cream Cheesecake, at Marks & Spencers
Serves 14 Ready to eat Not suitable for nut allergy sufferers Suitable for vegetarians 1.55kg total weight As featured on page 51 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Easy Healthy, at Marks & Spencer
Improve your overall feeling of well-being and enjoy great meals with this great collection of healthy recipes.

V-Neck Plain Jumper, at Mark & Spencers
Soft and comfy, this warm knitted plain jumper is outstanding value. A fashionable easycare style

Indian Summer Sprig Napkin Ring, at Marks and Spencer
Diam 11cm Beaded design Round Beaded tassel detail, Manufacturer: Marks & Spencer

Rainbow Stretch Bracelet, at Marks and Spencer
Mixed bead design Stretch style

Compton Glazed Unit, at Mark & Spensers
H190 x W118 x D53cm 3 adjustable shelves Toughened glass doors Made from White Oak solids and veneers Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Side panels, door panels, back panels made from oak veneer Top panels made from oak veneer with a solid oak edging for strength Solid hardwood legs Solid hardwood doors 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

Blue Harbour Pure Linen Short Sleeve Shirt, at M+S
Relaxed and stylish, this short shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Autograph Lace Up Stitch Shoes, at Marks & Spencer
Square flip toe Stitch detail Lace up Block heel

Older Girls' Limited Corsage Hat, Scarf & Mittens Set, at Marks and Spenser
Snug and cosy, this pretty hat, scarf and mittens set is a fashionable choice for chilly days

Pure Cotton Roll Neck Jumper, at Marks & Spensers
Soft and comfy, this warm knitted jumper is outstanding value. A practical easycare style

Organic Cotton Fashion Eco Bag, at Marks & Spenser
Shop greener by using this organic cotton shopper instead of plastic carriers. The illustration was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Floral Fine Art Multipack of Mini Cards, at Marks and Spenser
8 cards, 4 designs Cover text: All cards are blank Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 95 x 80mm

Velvet Soft Mono Eyeshadow, at Marks n Spencer
Hypo-allergenic Available in 12 shades 3g

7 Pairs of Freshfeet Socks with Silver Technology, at M&S
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Brass Ball 5-Arm Ceiling Light, at Marks & Spencers
Brass effect Ball design 5 arms with voile shades Bulb: 5 x 40W SES or 9W CFL H40.5 x Diam 42.5cm, Manufacturer: Marks & Spencer

Portfolio Pure Silk Beaded Blouse, at Marks and Spencers
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

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

Pure Cotton Ruffle Pintuck Top, at Marks and Spencer
This short sleeved top will make a useful addition to your wardrobe. It features smart pintuck details for a stylish casual look

Broad Stripe Wide Leg Trousers, at Marks & Spencers
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look

Portland Footstool, at Marks & Spencer
H37 x W119 x D79cm (all dimensions are approximate) Cushion filled with shape-retaining foam - superior quality foam with a high density for added comfort and support 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

3 Pairs of Ribbed Top Sports Socks, at Marks & Spensers
Designed to sit snug inside your trainers, these cotton rich socks provide the essential comfort and breathability your feet need for those high impact workouts

M&S 8 in 1 Accessories Pack for Nintendo™ Wii™, at Marks and Spenser
8 accessories compatible with Nintendo™ Wii™ Includes accessories for Wii™ tennis, Wii™ baseball, Wii™ golf and Wii™ Mario cart Also includes 2 padlock straps, protector cover and controller grip for Wii™ control panel Please note- this product is not made or endorsed by Nintendo™ 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

Happy Birthday Cupcake Card, at Marks and Spencers
Cover text: Happy Birthday Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Pure Cotton Long Sleeve Stripe Shirt, at Marks and Spencer
Smart and stylish, this bold stripe shirt is made from pure cotton

Wonderful Birthday Butterfly Card, at Marks&Spencer
Cover Text: have a wonderful birthday Inside Message: Blank for your own message Approx size: 150 x 150mm

Formula Calming Cleanser, at Marks & Spencers
Chamomile to calm Allantoin to soothe Especially formulated for sensitive skins Suitable for all skin types Hypoallergenic, fragrance free 200ml

Miele S5211 Standard Cylinder Vacuum Cleaner, at Marks & Spensers
4.5 litre dust bag capacity 2200W Sealed system for optimum filtration 10 metre operating radius Motor protection filter Supplied with a Super Air Clean filter HEPA 12 certification for complete vacuum cleaner - According to the European Standard EN 1822. Discharged Air is cleaner than the ambient room air (when used with a HEPA filter) Dust bag change indicator - signals when the dustbag needs to be replaced Comes with 2 Hyclean dustbags: The new HyClean dustbag sets new standards in filtration, dust-absorption, hygiene and safety Standard floorhead SBD 450-3: Suitable for all floor surfaces with extendible brushes Rotary Dial to adjust the suction power for different floorings Silence setting: Ideal combination of low noise level and cleaning performance Telescopic stainless steel tube Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability Bumper strip to protect cleaner and your furniture Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Recommended for Loop Pile carpet Other accessories - upholstery nozzle, dusting brush and crevice nozzle Dimension: L45cm Weight: 7.7kg 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 , Manufacturer: Marks & Spencer

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

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