M&S Money Direct 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 Direct 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 & Spensers 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money Direct website:

• M&S Insurance: M&S Motor Insurance, M&S Home 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 M+S, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money Direct in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money Direct website.

Marks & Spencer 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 Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

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

Autograph Pure Cotton Belted Straight Leg Jeans, at Marks and Spencer
Fashionable and contemporary, these straight leg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Bow Detail Mid Heel Ankle Boots, at Marks and Spencer
Almond toe Stitch and bow detail Zip fastening Block mid heel Heel height: 69mm Comes in sizes 3-8, including half size

Autograph Weekend Pleated Front Jersey Top, at Marks & Spencers
Sophisticated and modern, this short sleeve top is beautifully designed and cut for a flattering shape and features a contemporary ditzy print

3 Pure Cotton Short Sleeve Shirts, at Mark's & Spencer
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Panasonic SD-255WXC Breadmaker, at Marks & Spencer
9 bread modes - Basic, whole wheat, French, Italian, Sandwich, 100% rye, pizza, bake only Raisin and nut dispenser - automatically adds additional ingredients to your recipe Choice of crust colour - light, medium or dark Keep warm function 3 loaf sizes - XL (approx. 1.2kg), L (approx. 1.0kg), M (approx.450g) Digital Timer (up to 13 hrs) Super Rapid option to produce a white or brown loaf in only 1 hour 55 minutes Sandwich option to bake softer bread with a thinner crust - ideal for making perfect sandwiches Dough option to make dough from white, brown or wholemeal flour for rolls, buns, croissants etc French Dough option for crusty French sticks Rye Bread program with unique mixing blade can create a range of tasty loaves using Rye and Spelt flours Bake only option for cakes and tea breads Cool touch housing Non-stick coating Accessories - Measuring cup (240ml) and measuring spoon Dimensions: H37 x W28 x D33cm Weight: 6.4kg Power Consumption: Maximum 505-550W, Manufacturer: Marks & Spencer

Girls' Limited Pure Cotton Multi Stripe Dress, at Marks and Spenser
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

Alsace Pinot Grigio 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Pinot Grigio Country of origin: France Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Mirrored Collection 6-Drawer Chest, at Marks and Spencers
H81 x W121 x D51cm 6 drawers Mirrored finish with clear knobs 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Feather Patch Aqua Bedset, at Marks & Spencer
Embroidered design Patchwork detail 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

5 Pairs of Cotton Rich Assorted Socks, at Marks and Spencer
Cute and comfy, these soft cotton rich socks feature assorted designs

Classic Collection Floral Embroidered Slippers, at Mark & Spensers
Round toe Embroidered floral detail Pump style Flat sole Slip on

Print Your Own Wedding Stationery: Die Cut Pink Heart Invitations, at Marks and Spencer
Pack contains: 10 x invitations, 12 x folded insert sheets, 10 x coordinating envelopes, 10 x decorative ties and an instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Approx size: 154 x 110mm

2 Pure Cotton Leaf Print Napkins, at Marks & Spenser
Pack of 2 Leaf print design Dimension: 50 x 50cm, Manufacturer: Marks & Spencer

Father's Day Whisky Football Bottle, at Marks and Spencer
Filled with Kenmore blended whisky, this football shaped whisky bottle is the perfect treat for footie loving dads

Print Your Own Wedding Stationery: White Pearl Damask Menu/Order of Service, at Marks and Spenser
Contains: 10 x order of the day/service or menu cards, 12 x folded insert sheets, 10 decorative ties, 1 x instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Please note: As this stationery is not intended for use as invitations, envelopes are not supplied in this pack Approx size: 218 x 154mm

Royal Jelly & Pure Honey Body Butter, at Marks & Spencer
Moisturising 200ml

Faux Fur Throw, at Mark & Spencers
Faux fur Plain Reversible, Manufacturer: Marks & Spencer

Panasonic 42'' TX-P42G10 Full HD Plasma TV with freesat HD, at Marks & Spencers
Receives freesat HD: freesat is a digital satellite TV service giving you free HD programmes. freesat has no contract, no subscription, just a one-off payment for the TV, satellite dish and installation. freesat is available to almost every household in the UK HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 42 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Dynamic contrast ratio: Infinite Black/Over 2,000,000:1; Native: 40,000:1 Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W102.9 x H66.1 x D10.6cm (without stand), W102.9 x H70.4 x D33.4cm (with stand) Weight: 25kg (without stand), 28kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3x HDMI, S-video input, component video input, PC input and 1 x headphone jack V-Real Pro 4: Real picture technology which enhances the full HD performance of the display panel to render smooth, crystal-clear motion without compromising on delicate colours with rich gradation Digital Cinema Colour: Superb colour reproduction with 6,144 equivalent steps of gradation SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Pearl Effect Wire Baroque Necklace, at Marks and Spencer
Dual-strand feature Pearl-effect design Length: 44cm

Amazing Planes Book, at Marks & Spencer
This book contains all the press out model pieces you need to make six different planes. Fit your planes with the plastic nose cones provided and then see how far you can fly them ! Plus inside you'll find loads of crazy, amazing, fantastic facts and true stories about planes !

Per Una Pure Cotton Pleated Collar Mac with Belt, at Marks & Spencer
A fashionable single breasted mac in pure soft cotton, featuring a pleated collar and waist tie belt

Firm Control Cotton Blend Low Leg Shorts, at Marks & Spenser
Look slimmer in seconds! These firm control shorts gently flatten tummies for a sleeker, slimmer silhouette. They're designed without hems for a smooth no-show look under clothes

Stainless Steel Turkey Baster, at Marks and Spenser
Collar and bulb design Includes brush, Manufacturer: Marks & Spencer

Cut Swirl Champagne Flute, at Marks & Spencer
Wide base Swirl design Handmade Height: 27.5 cm Capacity: 17cl, Manufacturer: Marks & Spencer

BT Studio 3500 Twin Cordless Phones with Answering Machine, at Marks and Spencer
50 name and number phonebook Assign melodies to specific phonebook entries Caller display stores your last 40 numbers and displays their name and number each time they call Call waiting 10 last number redial and recall Secrecy facility - allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options Answer machine with up to 13 minutes digital recording time Talktime up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 metres outdoors/50 metres indoors Low battery and out of range warnings Tone and pulse dialling and dialling pause Switchboard compatible 2 pre-recorded outgoing messages - Answer and Record, and Answer Only Answer delay setting and voice prompts Private playback via the handset Call screening/call intercept Memo facility Base unit loudspeaker Answer machine remote access Includes: 2 x BT Studio 3500 bases, 2 x BT Studio 3500 handsets, 4 x NiMH AAA rechargeable batteries, 2 x mains power adaptors, 2 x telephone line cords 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

Pure Cotton Deer All-in-One & Hat Set, at Mark & Spensers
Fun and practical, this cute 2-piece outfit features an all-in-one and matching hat. It's made from soft cotton to keep her comfy

Domaine Hubert Brochard Sancerre 2008 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Belt Stitched Tote Bag, at Marks and Spencer
Stylish and useful, this tote bag features buckled loop strap detail and a stitch belt design. A practical and fashionable accessory

Padded Walking Boot Socks with Silver Technology, at Marks and Spencers
These comfortable cushioned walking socks are specially designed to prevent blistering and protect feet from impact

Mini Limited Pure Cotton Tulip Skirt with Leggings, at Marks and 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

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 Direct financial products are, of course, designed to make Marks & Spensers 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 Direct 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 Direct Home Insurance than you will anywhere else, and you may even pay less with M&S.