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 & 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 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.

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 M+S are so useful. M&S 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, Buildings Insurance policies. Usually, UK Buildings 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 Buildings 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 Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at M&S online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Money. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

Print Your Own Wedding Stationery: White Pearl Damask Invitations, at Marks and Spenser
Contains: 10 x invitations, 12 x folded insert sheets, 10 x coordinating envelopes, 10 x 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 Approx size: 155 x 110mm

50/50 Bed Linen - Valance, at Marks and Spencers
Single: L190 x W91cm, frill depth 39cm Double: L190 x W137cm, frill depth 39cm King Size (5ft): L200 x W152cm, frill depth 39cm Super King Size (6ft): L200 x W183cm, frill depth 39cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Shepherds Ridge Chardonnay 2008 - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: New Zealand Closure: Natural cork 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

Little Acorns 12 Month Record Calendar, at Marks&Spencer
Contains: 1 record calendar Approx size: 430 x 340mm

Ethnic Cateye Stretch Bracelet, at Marks & Spenser
Mixed bead design Stretch style

Short Sleeve Gathered Neckline Top, at Marks and Spencer
This scoop neck top makes a perfect way of getting the smart casual look this season. It has a tie waist detail for an extra touch of stylish chic

Pure Cotton Spot Print Cropped Pyjama Bottoms, at Marks and Spencers
Pretty and feminine, these spot print cropped pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Pure Cotton Round Neck Plain T-Shirt, at Marks & Spencers
This short sleeved t-shirt will make a useful addition to your wardrobe. Great for layering or wearing on its own

Performance Pure Wool Twin Pleat Plain Trousers, at Marks and Spencer
aspirational copy

Classic Collection Pure Silk Lightweight Floral Scarf, at Mark & Spencers
Add a luxurious finishing touch to your look with this elegant pure silk floral print scarf. The perfect accessory to this season's styles

Fire Sign Bracelet, at Marks & Spencer
3 charms Beaded strap

Two Tone Spot Print Belted Skirt, at Marks & Spencer
Pretty and feminine, this cotton blend skirt is designed for a shapely silhouette. A smart modern look

Mixed Bead Multi Layer Necklace, at Marks n Spencer
Adjustable length Clasp fastening Mixed chunky beads Multi layer

M&S 5 Mega Pixel Digital Camera, at Marks & Spencers
Pixels: 5.0 megapixels Zoom: 12x digital zoom Screen: 2 inches Flash: Built-in flash Memory: 32mb built-in memory SD card compatible Includes cable for charging and computer connection 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

Autograph Leather Toe Cap Derby Shoes, at Marks and Spencers
Round toe Lace up Stitch detail 3 eyelets Block heel Available in half sizes

Gold Foil Cake 80th Card, at Marks & Spenser
Cover text: 80 Congratulations Inside message: Blank for your own message Approx size: 175 x 126mm

Large Fridge Mum Birthday Card, at Marks & Spenser
Cover text: "I wish I'd known" thought Mum, "I haven't got a lot in..." Inside text: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Size: 150 x 150 mm

Rosina Armchair, at Marks & Spencers
H82 x W92 x D97cm Seat H45cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion 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 medium finish All of our fabrics are treated with Stain-Defence& trade; - 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 service: 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 that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Sprung-Edge Non-storage Divan & M100 Mattress, at Mark & Spensers
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm 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 Mattress depth: 21.5cm Divan Height: 41 Mattress has dust-free polyester fibre filling Mattress Spring Count: 288 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Kitten Valentine Card, at Marks & Spenser
Cover Text: Lots of Love Happy Valentine's Day Inside Message: With love on Valentine's Day Approx size: 150 x 150mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Woodland Interactive Snail, at Marks & Spencer
Contains a small oval plastic mirror under the flap on the shell A pocket on the reverse of the shell which contains 3 coloured, embroidered leaves which can be removed from the pocket Two softened plastic teethers attached to the tail of the snail by a satin ribbon loop Includes a blue and green butterfly attached via a cord to the top of the shell. When pulled, the cord will extend to a maximum length of 115mm before being automatically retracted into a mechanism in the top of the shell. This mechanism vibrates Double lined for safety Suitable from birth Approximate overall dimensions W325 H230 D120mm This product conforms to EN71 toy safety regulation, Manufacturer: Marks & Spencer

Autograph Flat Front Fine Stripe Trousers, at Marks and Spencer
Fashionable and contemporary, these fine stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Autograph Manor Damask Pencil Pleat Curtains, at Marks & Spensers
Damask design Pencil pleat Lined Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Per Una Essentials Clover Embroidered Shorts, at Marks & Spencer
Feminine and delicate, these stylish shorts are made from soft stretch lace. The low rise, low leg style gives a shapely figure-flattering fit. Pretty everyday fashion

Portfolio Large Leather Purse, at Marks & Spencer
This stylish purse is made from real leather with reinforced stitching and a secure zip fastening. A high quality and chic essential

Pure Cotton Spot Print Cardigan, at Marks n Spencer
Pretty and feminine, this spot print cropped cardigan is made from pure natural cotton. A fabulous fashionable look

Bingley Bear No.1 Dad Birthday Card, at Marks & Spenser
Cover text: No.1 Dad Inside message: Have a fantastic Birthday! Approx size: 220mm x 220mm

Monkey Rug, at Marks and Spencer
Monkey design Dimension: 68 x 84cm, Manufacturer: Marks & Spencer

Whole Side of Oak Smoked Orkney Salmon, at Marks & Spencer
Serves 12-15 Ready to eat Suitable for freezing 500g As featured on page 24 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Woven Silk Multi Stripe Tie with Stain Defence™, at Marks and Spencers
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Besides Mark's & Spencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Buildings Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Mark's & Spencer purchases are also protected while you take them home.

Also, on both M&S Money Premier Buildings Insurance and Standard Buildings Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.