Marks & Spencers 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 Marks & Spencers 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 n 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 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 Marks & Spencers Money UK and European Breakdown Cover, since it covers you as a passenger too.

Marks & Spencers 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

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 Mark's & Spencer 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 Spencers, through its Marks & Spencers 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Per Una Roma Pure Cotton Straight Leg Jeans, at M&S
A smart pair of straight leg jeans in pure soft cotton. Sheen finish gives it the Per Una touch

Foot Survival Pack, at Marks and Spenser
For instantly comfier feet, whatever shoes you're wearing

No VPL Lace Shorts, at Marks & Spencer
VPL is a thing of the past! These flattering lace shorts have smooth bonded edges for a seamless look and a pretty floral lace design

Pure Cotton Short Sleeve Plain Shirt, at M+S
Stylish and innovative, this easycare short sleeve shirt is quick and easy to iron for a smart crisp look

Sunshine Basket, at Marks & Spencers
Bring the bright, sunny hues of a summer garden inside with this collection of sunflowers complemented by gorgeous bi-colour roses and lush foliage Available for delivery from 1st July to 30th September 2009

Classic Text Golden Anniversary Card, at M&S
Cover text: With Love on our Golden Anniversary Inside message: Blank for your own message Approx size: 214 mm x 150 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Suzie Damask Jacquard Pillowcase, at Marks & Spencers
Fits standard pillows Damask jacquard design, Manufacturer: Marks & Spencer

Moisturising Age Repair Firming Day Cream, at Marks n Spencer
Firming day cream with ceramide Targets fine lines and wrinkles 50ml

2 Piece Pure Cotton Floral Print All-In-One Suit, at Marks and Spencer
Cute and practical, this 2 piece suit features a floral design. The soft cotton fabric will keep her comfy and the popper fastenings are great for fuss-free changes

Formal Chevron Button Braces, at Mark & Spencers
Add a smart finishing touch with these stylish adjustable braces

Wire Leaf Bowl, at Marks and Spencers
Leaf design H12 x Diam 32cm, Manufacturer: Marks & Spencer

2 Older Girls' Plain Crop Tops, at Marks and Spencer
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

Philips 57'' FL7404 Full HD LCD TV, at Marks & Spencer
HD Ready 1080p: High Definition Multimedia Interface™ (HDMI) connections make your TV a multimedia centrepiece. Connect HD digital devices like disc players, game consoles, Digital Camcoder and satellite dish components into the rear connection for displaying an HD source on an HDTV Display: 57 inch LCD TV Contrast Ratios: Dynamic contrast 80,000:1 Integrated Digital and Cable Tuner Aerial Input- 75 ohm coaxial (IEC75) , Video Playback- NTSC, SECAM, PAL , DVB- DVB-T MPEG4*, DVB-C MPEG4* Tuner bands-Hyperband, S-Channel, UHF, VHF Dimensions: W126 x H77 x D12cm (without stand) , W126 x H82 x D31cm (with stand) Weight: 28kg (without stand), 32kg (with stand) Connections: 4 x HDMI , PC connectivity, USB, EasyLink (HDMI-CEC)- One touch play, Remote control pass-through, System audio control, System standby HD Natural Motion: Philips invented HD Natural Motion to eliminate juddering effects that are visible with movie-based picture content 2 x 10 W with Incredible Surround: An invisible sound system that blends perfectly with the design of the cabinet Picture enhancement: Pixel precise HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver, Progressive Scan, 2D/3D noise reduction, 100 Hz LCD, HD Natural Motion Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Video formats: 480i, 60 Hz, 480p, 60 Hz, 576i, 50 Hz, 576p, 50 Hz, 720p, 50, 60 Hz, 1080i, 50, 60 Hz, 1080p, 24, 25, 30, 50, 60 Hz Computer formats: 640 x 480, 60 Hz, 800 x 600, 60 Hz, 1024 x 768, 60 Hz, 1280 x 1024, 60 Hz, 1360 x 768, 60 Hz, 1600 x 1200, 60 Hz, 1920 x 1080, 60 Hz Sound: 2 x 10 W (Incredible Surround, Treble and Bass Control, Nicam Stereo ) Power: 220 - 240 V, 50 Hz 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

Big & Tall Flat Front Straight Leg Trousers, at Mark & Spencers
Crisp and smart, these flat front trousers are made from a cool linen blend. Perfectly proportioned for big and tall men

JBL On Stage™ 200ID - Portable Speaker Dock for iPod®, at Mark's & Spencer
Compatibility: All docking versions of the iPod (including nano G3, iPod classic, iPod touch and iPhone), MP3 and CD players, and desktop and laptop computers (all platforms) Input Requirement: Main connection docking connector for iPod; auxiliary connection 3.5mm (1/8") stereo mini jack High-performance loudspeaker dock for iPod Full iPod* and iTunes compatibility Easy-to-use music and navigation controls and IR remote Digital power and DSP (digital signal processing) Combines many proprietary technologies to provide clear, accurate sound with astonishing bass Frequency Response 40Hz 20kHz Input Impedance >10k Ohms Signal-to-Noise Ratio >85dB Voltage Input 110V 240V AC Dimensions 359mm x 64mm x 110mm Weight 0.7kg

5 Pairs of Older Girls' Cotton Rich Assorted Design Socks, at Marks and Spencer
Stock up on stylish essentials with this pack of 5 pairs of cotton rich socks

Andrew Lloyd Webber - 60 At 60 CD, at Marks and Spencer
Audio CD, Marks & Spencer

Platinum Plated Diamanté Detail Baguette Ring, at Marks & Spencer
Add instant sparkling style with this gorgeous platinum plated ring, set with dazzling diamant.

Silver Plated Double Twist Ring Necklace, at Marks & Spensers
Clasp fastening Adjustable length Thin chain Double twist ring pendant with multifaceted bead detail Necklace length 40cm, extendable by 7.5cm

The Cotton Collection Cotton Bud Handwash, at Marks and Spencer
Moisture rich handwash 250ml bottle with pump

The Cotton Collection Cotton Flower Hand Cream, at Marks and Spencer
Moisturising hand cream 250ml Bottle with pump

Formula Moisturising Age Repair Toner, at Marks and Spenser
Targets wrinkles and fine lines Hypoallergenic Suitable for all skin types Alcohol free Ceramide for younger looking skin Zinc complex to normalise and balance Witch hazel to tone and refresh 200ml

Autograph Weekend Cotton Rich Wide Leg Jeans, at M&S
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Stainless Steel Under Sink Storage Unit, at Marks & Spencer
3 tier Shelf H71 x D33 x W58cm, Manufacturer: Marks & Spencer

Pure Cotton Transformers Pyjamas, at Mark & Spensers
A must for fans of Transformers these pyjamas feature Optimus Prime

Panasonic 42'' TX-P42G10 Full HD Plasma TV with freesat HD, at Marks & Spenser
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

Ceriso Frill Dot & Bow Push Up DD-G Bra, at Marks & Spencer
Feminine and fashionable, this modern push up bra features an intricate fril trim. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage for a push up effect. Designed for women who want the latest look

Single Sprung-Edge Non-storage Divan & F300 Memory Foam Mattress, at Marks and Spenser
Single Mattress (3ft): W90 x L190 cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 25cm Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item Soft knitted cover adds extra comfort to the mattress and works with the memory foam for optimum support Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Longline Bra, at Marks & Spencers
A traditional long line bra which offers more support. Ideal worn with control panties or panty girdles

Autograph Light Control Lace DD-G Body, at Marks and Spencers
Look slimmer in seconds! This light control body gently shapes your figure all over for a smoother, sleeker silhouette. Beautiful exclusive lingerie

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 & Spencers are so useful. Marks & Spencers Money financial products are, of course, designed to make Marks & Spencer 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 Marks & Spencers 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 Marks & Spencers Money Property Insurance than you will anywhere else, and you may even pay less with M&S.