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, Sainsburys, or Tescos:

• 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 Property 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 Property 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 Property 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 & Spencers, 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.

Silver Plated Twisted Leaf Cluster Necklace, at Marks and Spencer
Clasp fastening Adjustable length Twisted leaf cluster Length: 41cm Extender: 8cm

Adored Lily Embroidered Padded Bra, at Marks & Spencer
Pretty and elegant, this underwired padded bra is made from the softest fabric and embroidery, so it feels blissfully comfortable to wear. Underwiring and padding give an uplifted and enhanced natural shape. Feminine everyday lingerie

Long Sleeve Stripe Fleece Hooded Top, at Marks and Spencer
Soft and comfy, this fashionable fleece hooded top features a stripe design. A modern, practical and easycare style

Handcrafted Photo Easter Card, at Marks and Spencers
Cover text: Happy Easter Inside message: Wishing you a very happy Easter Approx size: 178 x 125mm

Medium Kangaroo Soft Toy, at Marks and Spenser
Suitable for ages 0-3 years Sewn in baby joey This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Aluminium 14cm Milk Pan, at Marks and Spencer
Triple layer non-stick finish Excellent for low fat cooking Riveted silicone and stainless steel handles offer an easy grip Suitable for all cooker types 14cm, Manufacturer: Marks & Spencer

Via Ulivi Chianti 2008 - Case of 12, at Marks & Spencers
Style: Medium bodied Grape variety: Sangiovese & Canaiolo Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Autograph Addison Brown Dining Chairs, at Marks & Spencer
H86 x W47 x D51cm Brown luxury Italian leather seats Sold as a pair Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Chairs are made from solid wood for strength 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. SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Addison Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Perfect Portfolio Almond Toe Court Shoes, at Marks & Spenser
Almond toe Buckle fastening Cut out feature High heel Heel height: 85mm Comes in sizes 3-8, including half sizes

Toshiba Satellite U400-22N Laptop, at Marks and Spencer
Processor: Intel Pentium dual-core processor T4200, 2.00 GHz clock speed, 800 MHz Front Side Bus and 1 MB 2nd level cache Memory: 4,096 (2,048 + 2,048) MB DDR2 RAM (800 MHz) Hard Drive: 250 GB (S.M.A.R.T) Display: 13.3 " Toshiba TruBrite WXGA TFT High Brightness display Operating System: Genuine Windows Vista Home Premium 32-bit Edition (pre-installed, Toshiba-HDD recovery) Graphics Card: Mobile Intel GMA 4500MHD, up to 1,340 MB total available graphics memory with 4 GB system memory DVD Super Multi Drive (Double Layer) : CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-R, DVD-R(DL), DVD-RW, DVD+R, DVD+R(DL), DVD+RW, DVD-RAM Expansion: 2 x memory slots (1 to configure), 1 x ExpressCard slot Interfaces: 1 x DC-in, 1 x external monitor, 1 x RJ-11, 1 x RJ-45, 1 x i.LINK (IEEE 1394), 1 x external microphone, 1 x headphone (stereo), 1 x SP/DIF (optical) shared with headphone socket, 1 x integrated 1.3 Megapixels Web Camera with built-in microphone, 1 x HDMI-CEC (REGZA-Link) supporting 1080p signal format, 1 (shared with one USB port) x eSATA, 1 x 5-in-1 Bridge Media slot (supports SD™ Cards up to 16 GB, Memory Stick up to 256 MB, Memory Stick Pro™ up to 4 GB, MultiMedia Card™ up to 2 GB and xD-Picture Card™ up to 2 GB) USB Ports: 3 (Left 2, Right 1) x USB 2.0 (supporting USB Sleep-and-Charge) Connectivity: Wi-Fi (802.11b/g) Wireless LAN, Fast Ethernet LAN (10BASE-T/100BASE-TX) , international V.90 modem (V.92 ready), 56 Kbps data and 14.4 Kbps fax Bundled software: Toshiba Disc Creator, Toshiba User's Manual, Supervisor Password Utility, Toshiba Assist, Chicony Camera Assistant Software, Toshiba DVD Player, Ulead DVD MovieFactory for TOSHIBA, Toshiba Face Recognition, Microsoft Works, McAfee Internet Security Suite - Toshiba Edition (includes free Internet updates for 30 days), Toshiba Recovery Disc Creator, Dolby Control Center, HDMI Control Manager, Microsoft Office Home and Student 2007 (free 60-day trial), Toshiba Value Added Package (Toshiba Power Saver, Toshiba Zooming Utility, Toshiba PC Diagnostic Tool, Toshiba Flash Cards, Toshiba Components Common Driver, Toshiba Accessibility, Toshiba Button Support), Google Software (Google Toolbar for Internet Explorer, Google Desktop, Picasa), Connectivity Doctor, ConfigFree™, Toshiba utilities and drivers Toshiba EasyMedia : Google Software (Google Toolbar for Internet Explorer, Google Desktop, Picasa), Toshiba TEMPRO Performance Tuning Service, USB & USB/eSATA Sleep-and-Charge, HDMI-CEC (REGZA-Link), McAfee Internet Security Suite - Toshiba Edition, Toshiba Face Recognition, Smart Display Support, Toshiba Flash Cards, Easy Keys, Built-in camera & microphone, Diversity Antenna, Integrated Bridge Media Adapter, Toshiba ConfigFree™, Internal HD 720p support, S/PDIF Security features : HDD password on request, supervisor password, slot for Kensington Cable Lock, user password, wireless LAN switch, main battery pack (by sliding latch), main memory (by screw), main hard disk (by screw) Dimensions : W314 x D229 x H27.5 (front) / 35 (rear) mm Weight : starting at 2.0 kg 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

Ceriso Floral Print Padded DD-G Bra with Silk, at Marks & Spencer
Gorgeously feminine, this modern bra features a rose print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a fabulous uplifted shape. Designed for women who want the latest look

Fuzzy Farm Book, at Marks&Spencer
Children will enjoy using their creative skills as they place themed felt pieces onto the fuzzy pages. This simple text will guide the reader, but hours of imaginative play are sure to follow

Nokia 6300 - T-Mobile Pay as you talk Mobile Phone, at Marks n Spencer
Maximum of 2 phones per customer may be purchased Talk Time: Up to 3.5 hours Stand-by Time: Up to 14 days Screen: 320 x 240 pixel TFT QVGA screen, up to 16.7 Million True colors, 2 inch Ringtones: Video ringing tones , MP3 ringing tones, True tones, and MIDI tones for up to 64 polyphonic tones Dimensions: H10.6 x W4.3 x D1.3cm. Weight: 91g Camera: 2 megapixel, 8x digital zoom and full screen viewfinder Radio: FM stereo radio with Visual Radio Music player: Music player supporting MP3, MP4, AAC, AAC+, eAAC+, H.263, H.264 Internet: XHTML browser, access your email on the go and send attachments Games and applications: Java™ MIDP 2.0 games and applications Memory: Up to 7.8 MB internal user memory. MicroSD card slot (up to 2GB) for storing pictures and music Messaging: SMS and MMS Battery: BL-4CBattery(860 mAh) Voice Features: Voice recorder, voice volume control, voice commands, voice messaging, integrated handsfree speaker Connectivity: Mini USB, Bluetooth, AV 2.5mm Video: Video recorder and player Includes in the box: Nokia 6300 handset and Nokia stereo headset HS-47

Footglove™ Widefit Vented Loafers, at Mark & Spencers
Square toe Vented Stitch detail Low wedge heel Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Stripe Hipster Bikini Bottoms, at MarksandSpencer
Smooth and sleek, these fashionable bikini bottoms feature a striking print. Make a splash!

Pure Cotton Stripe Short Sleeve T-Shirt, at Marks & Spensers
A practical, casual top in pure cotton featuring a stripe design. A great value easycare style

Autograph Pure Silk Taj Mahal Tie, at M&S
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Watermelon Refresher & Burner Oil, at Mark & Spencers
Watermelon fragrance 15ml, Manufacturer: Marks & Spencer

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

Portland Pasta Bowl, at Marks & Spencers
Portland dining range Multi stripe design H4.5 x Diam 23.5cm Dishwasher and microwave safe, Manufacturer: Marks & Spencer

Pure Cotton Holiday Rope Handle Shopping Bag, at Marks & Spensers
Fashionable and practical, this rope handle shopping bag is a useful accessory with bags of style

Wrattonbully Tempranillo 2007 - Case of 6, at M&S
Style: Dry Grape variety: Tempranillo Country of origin: Australia Closure: Screw cap 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

Faux Pearl Long Necklace, at Marks & Spencer
Faux pearl Long length Necklace length 122cm

5 Pairs of Older Boys' Cotton Rich Assorted Socks, at Marks and Spencers
Brighten up his underwear drawer with these fashionable assorted design socks made with soft breathable cotton

Pleat Detail Shoulder Bag, at Marks and Spencers
Fashionable and practical, this scoop bag is a useful accessory with bags of style!

Chandelier Embroidered Quilted Bedcover, at Marks & Spencers
L250 x W265cm Embroidered design, Manufacturer: Marks & Spencer

Chunky Ribbed Knit Scarf, at Marks & Spencers
Keep out the cold in style with this warm, soft scarf.

Autograph Pure Cotton Belted Chinos, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Ceriso Spot Print Padded Bra, at Marks and Spencers
Feminine and fashionable, this modern bra features a spot print and is finished with a frill trim. Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Classic Crudité Selection, at M+S
Serves 8 4 varieties of vegetables and dip Ready to eat Suitable for vegetarians 670g As featured on page 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

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 & Spenser are so useful. M&S Money financial products are, of course, designed to make Mark & 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.