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 Mark's & 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, 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 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 Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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

Supima® Ribbed Vest, at Marks & Spencers
Supima cotton known as the world's finest cotton. It's renowned for its superior strength, enhanced durability and sumptuous feel

Mini Limited Long Sleeve V-Neck Top, at Marks n Spencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

M&S Arm Wall Mount with Tilt for 23-32'' TV, at Marks & Spencers
Fits LCD, TFT and plasma screens from 23-32 inches Dual pivot cantilever VESA compliant for 23-32in screens Fully assembled Drilling template supplied Dimensions: H28.5 x W58 x D8.5cm This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

Hedgehog Couple Wedding Card, at Marks and Spencer
Cover message: On your wedding day Inside message: Have a wonderful day! Approx. size: 175 x 127mm

Hibiscus Print Tankini, at Marks & Spensers
Great for splashing around in, this comfortable tankini features hibiscus print

Wild Earth Pinot Noir 2006, Central Otago - Case of 6, at Marks and Spencers
Style: Dry Grape Variety: Pinot Noir Country: New Zealand 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

Mini Limited Floral Baker Boy Hat, at Marks and Spencer
Fashionable and fabulous, this floral hat makes a stylish finishing touch

Goat Skin Cushion, at Marks & Spencer
Square design Fluffy Plain, Manufacturer: Marks & Spencer

Autograph Knee Length Ombre Print Belted Skirt, at Marks & Spencers
Comes with belt shownSmart and modern, this pleated skirt is a stylish, versatile choice. A fabulous fashionable look

Flowers by Post - 14 Exotic Orchids, at Marks n Spencer
These 14 vibrant dendrobium orchids offer a touch of eastern charm. Flowers by Post is a great value way to spoil someone you know - or yourself

Pure Cotton Ribbon Pintuck Bedset, at Marks&Spencer
Ribbon detail Pintuck design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes super king size duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Girls' Limited Knitted Scoop Neck Jumper with Belt, at Marks & Spencers
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Spitfire Theme Cufflinks, at Marks & Spencer
A smart finishing touch at a great price

Contrast Cluster Ring, at Marks and Spencer
Cluster gems Diamant detail Chunky design

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

Older Girls Cotton Rich Star Print Crop Top & Shorts Set, at Marks and Spencers
This pretty matching set is soft, stretchy and comfortable to wear. The crop top makes a great way of getting girls used to the idea of wearing bras

2 Piece Pure Cotton Patch Dungaree Outfit, at M+S
Soft fabrics, fashionable designs and cute finishing touches make our babywear range outstanding. This high quality, great value 2 piece outfit is designed to keep baby looking adorable and feeling comfy and happy

Autograph Pure Cashmere V-Neck Jumper, at Marks and Spencers
This luxurious v-neck jumper is made from pure cashmere for ultimate softness and comfort. Innovative construction helps it to be machine washable. Part of our exclusive Autograph collection

Panasonic DMP BD60 Blu-ray Disc™ Player, at Marks & Spencer
PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs Accessories: Remote control Dimensions: 43 x 4.9 x 24.9cm

La Tentation de Richelieu 2005 - Case of 6, at Marks & Spencers
Grape variety: 75% Merlot, 25% Cabernet Franc Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Hannah Montana A5 Notebook, at Marks n Spencer
1 notebook 154mm x 209mm (including spiral binding) Disney

Barbaresco Morassino 2005 - Case of 6, at Marks & Spencer
Style: Medium bodied Grape variety: Nebbiolo Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.4% 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

Portfolio Short Sleeve Jumper with Cashmere, at Marks and Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Ashbourne Large 2 Seater Sofa AU09 Newness, at Marks & Spencers
Manufacturer: Marks & Spencer

Pure Cotton Whiskered Jeans, at Marks & Spensers
Comes with belt shown in image Vintage styling gives these straight leg jeans a stylish twist. A practical and fashionable style

5 Cotton Rich Floral Print Bikini Knickers, at Marks and Spenser
These flower print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Tupungato Cabernet Sauvignon Malbec 2007 - Case of 12, at Marks and Spencer
Style: Dry, full bodied Grape variety: Cabernet Sauvignon, Malbec Country of origin: Argentina Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Sphere Digital Alarm Clock, at Marks and Spencer
Digital display Side buttons Cutaway ball design Dimensions: 9cm x 9cm x 9cm, Manufacturer: Marks & Spencer

Corner Grps - N ABB CNR BRONCO, at MarksandSpencer
Manufacturer: Marks & Spencer

Limited Collection Pure Cotton 3/4 Sleeve Top, at MarksandSpencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

There are lots of ways to save money using M+S Money. Not least of these is Marks & Spenser 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 Spenser, 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 M&S Financial Services, you get more, and you pay less.