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 Spencer 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.

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 Marks and Spencers 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 and Spencer, 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.

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer 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 Spencer, 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.

Per Una Cotton Rich Belted Jeans, at Marks and Spencer
A fashionable pair of bootleg jeans in stretch cotton featuring a curved buckle belt

Collezione Textured Stripe Cufflinks, at Marks & Spenser
Smart and sophisticated, these cufflinks add a touch of Italian-inspired style

5 New Lace Shorts, at Marks & Spencers
Smart, snug and easy to care for, these cosy shorts combine a flattering fit with a lace design and stretchy fabric to create the perfect knickers for day to day wear

Long Sleeve Graphic Print Shirt, at Marks&Spencer
This fab long sleeve shirt features a stunning graphic print design. A vibrant new look, perfect for this season

Petite Pure Cotton Ruffle Front Stripe Shirt, at Marks & Spensers
Chic and modern, this stripe shirt is made from cool comfortable cotton and features a ruffle front. Specially designed and perfectly proportioned for the petite frame.

Luxury Autograph Pure Cashmere V-Neck Jumper, at Marks & Spencer
Sophisticated and modern, this v-neck jumper is made from pure cashmere for the ultimate in luxurious softness

Limited Collection Linen Rich Petal Frill Skirt with Silk, at Marks and Spencer
This skirt is part of Limited Collection's Sahara City trend. Wild and natural with a slick cosmopolitan edge, this trend features modern graphic prints, statement pieces and a warm colour palette

Mini Travel Bottle Set, at Marks and Spencer
Leave your large or breakable toiletries at home. Simply fill these travel bottles and jars with your favourite toiletries and refill them whenever you need. Contained within a funky bag, this set is ideal for any overnight trip

5 Luxury Check Handkerchiefs, at Marks & Spencers
Luxuriously soft handkerchiefs in pure cotton

The Floral Collection Iris Soap, at Marks & Spensers
3 x 100g Iris scented Added moisturisers

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

Per Una Quilted Gilet, at Marks & Spencers
A fashionable quilted gilet featuring a funnel neck and stitch detailing

Clear Lake California Rosé 2008 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Syrah Country of origin: USA Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 10.5% vol. Alcohol units per bottle: 7.9 Alcohol units per 125ml:1.3 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Flower Branch Thank You Card, at Marks and Spencer
Cover text: Thank you Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Sleeveless Chambray Shirt Dress, at Marks & Spencer
Fashionable and modern, this chambray dress features button fastening and a tie waist detail. A flattering, stylish look

Hastings Bedside Chest, at Marks and Spencer
H58 x W47 x D43cm Crafted predominantly from solid pine and fibreboard 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 manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Footglove™ Riptape Trainers, at Marks and Spenser
Step out in style in these Footglove™ trainers, made from soft leather. Comfortable, lightweight and flexible

Performance °Climate Control Baseball Hat, at Mark's & Spencer
Whether you're keeping the sun out of your eyes during the big game or simply relaxing in casualwear, the baseball cap is a style essential

Pure Linen Pleated Sleeve Top, at M & S
This fab scoop neck top features a pleated sleeve design. A sophisticated new look, perfect for this season

Classic Collection Floral Embroidered Nightdress, at Mark's & Spencer
Fresh and feminine, this nightdress is comfortable to sleep in and features pretty embroidery

Easycare Short Sleeve Fine Pinstripe Shirt, at Mark's & Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

England You Decide Activity Book, at Marks & Spencers
Get your kit on-the nation is counting on you! This is YOUR chance to choose England's fate in this exciting activity book. Get ready to play the part of the manager, a player or a referee. Work your way through the crosswords, wordsearchs, picture puzzles and more, and guide England to glory!

Furry Mane Lion Birthday Card, at Marks and Spencers
Cover text: It's your birthday! Hope it's "gr-r-r-reat!" 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: 175 x 127mm

Abbey Armchair, at Marks & Spencer
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

Blue Harbour Funnel Zip Neck Fleece, at Marks n Spencer
Relaxed and comfortable, this funnel zip neck fleece is outstanding value!

Younger Boys' Mr Bump Slippers, at Marks & Spencer
Round toe 'Mr Bump' motif Lined Flat sole Copyright 2009 Mister Men Limited (a Chorion company). All rights reserved.THE MR MEN SHOW™ and DILLYDALE™ are trade marks of THOIP (a Chorion company). All rights reserved.

Strings of Life Platinum Plated Ring, at Marks&Spencer
Crossed design Platinum plated

Pure Cotton Stripe Knitted Dress & Tights Outfit, at Marks n Spencer
Fashionable and practical, this cute knitted dress and tights 2 piece outfit features stripe design. It's made from soft cotton fabric to keep her comfortable and happy

Dad Cup of Tea Birthday Card, at Marks and Spencer
Cover text: Relax and put your feet up on your Birthday Dad Inside message: blank for your own message Approx Size: 114mm x 228mm

Generic Star Charm 50th Birthday Card, at Marks & Spencer
Cover text: 50 today Inside message: Have a fantastic birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125 mm

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 Buildings & Contents 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 & Contents 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.