Marks and Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks n 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 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 loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Money 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 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 & Spensers insurance products in document format too.

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

4 Ruby Mugs - Black, at Marks and Spencer
Set of 4 Stripe design H9cm, Manufacturer: Marks & Spencer

Limited Collection Cotton Rich Multi Spot Vest & Shorts Set, at Marks and Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Limited Collection Double Buckle Strap Shoes, at Marks & Spencers
Round toe Double buckle strap fastening Stitch detail Mid heel Heel height: 35mm Comes in sizes 3-8, including half sizes

Soft Vanilla Lantern Candle, at Marks and Spencers
Soft vanilla fragrance Includes wooden plate Burns up to 4 hours, Manufacturer: Marks & Spencer

5 Cotton Blend Assorted Lace High Leg Knickers, at Marks & Spensers
These briefs are perfect for everyday wear and this multipack makes a great way to stock up your underwear drawer

Perfect Silver-Plated Photoframe 10 x 15cm (4 x 6''), at Marks and Spenser
Rectangular shape Double mount Removeable mount card Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

4 Lemon Soufflés, at Marks and Spencers
Order by 5pm to collect in 5 days 4 Souffls Serves 4 Not suitable for nut allergy sufferers 4 x 80g Available for collection in the majority of our UK mainland stores As featured on page 47 in the food to order brochure

Olympus FE-35 Digital Camera, at Mark's & Spencer
Pixels: 10 Megapixels Zoom: 3x optical zoom, 4x digital zoom Screen: High-definition 2.5-inch LCD monitor with about 230,000 dots Dimensions: W93.8 x D26.7 x H61.5mm Weight: 110g Face Detection: Intelligent Auto Mode detects the five most commonly used scenes and adjusts settings, focus and exposure automatically, Advanced Face Detection of up to 16 persons for perfectly focused and exposed faces,Digital Image Stabilisation for less blur 16 shooting modes (e.g. Night Scene with Portrait and Candle) ensure the camera has the right settings for different situations "One button, one function" design principle and in-camera help guide and for easy operation Movie recording: Movie AVI Motion JPEG up to 640 x 480 (30 fps/15 fps)

Formula Calming Foaming Facial Wash, at Marks and Spencer
With chamomile and aloe vera Especially formulated for sensitive skins Suitable for all skin types Gently cleanses without any harsh additives Fragrance free Hypoallergenic 150 ml

Per Una Leather Tubular Knot Mule Shoe, at Marks & Spencers
Open toe Slip on Tubular knot foot strap Mid-high wedge heel

Limited Collection Double T-Bar Shoes, at Marks and Spencer
Almond toe Double t-bar Buckle fastening Faux crocodile skin design Mid heel Heel heignt: 70mm Comes in sizes 3-8, including half sizes

Perfect Autograph Weekend Modal Rich Pyjama Top, at Mark's & Spencer
Modern and sophisticated, this short sleeve pyjama top is part of our exclusive Autograph Weekend collection. It's beautifully designed and made from modal with stretch which feels incredibly soft and comfortable to wear

Flower Branch Thank You Card, at Marks & Spensers
Cover text: Thank you Inside message: Blank for your own message Approx size: Unfolded: 150 x 150mm

Portfolio Patent Finish Stitch Detail Purse, at Marks&Spencer
Practical and stylish, this purse features compartments for your cash and cards and a secure popper fastening, making it an ideal choice for everyday use

4 Assorted Hair Bands, at Marks and Spenser
Hold back those tresses in style with these fabulous hair bands

Chianti Burchino 2006 - Case of 12, at Marks & Spencers
Style: Full bodied Grape variety: Sangiovese Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 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

Champagne Oudinot Medium Dry - Case of 6, at Marks & Spencer
Style: Medium dry Grape variety: Mixed Country of origin: France Closure: Natural cork Bottle: 6 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

True Red Eau De Toilette Purse Spray 25ml, at Marks & Spencer
25ml eau de toilette This product is not available for international delivery. Find out more

Per Una Knee Length Pleat Detail Skirt, at Marks & Spencers
A fashionable knee length skirt in pure soft cupro fabric. The bow tie detail gives it the Per Una touch

Limited Edition Midas Touch Bangles, at Marks & Spencer
7 bangles Assorted design Slide on

Ethnic Square Glass Bead Necklace, at Marks and Spencer
Collar style Square glass beads

3 Pairs of Easy Grip Socks, at Marks&Spencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

2 Older Girls' Snoopy™ Crop Tops, at Mark's & Spencer
A must for fans of Peanuts, these crop tops feature Snoopy™

Pure Cotton Short Sleeve Palm Tree T-Shirt, at Marks n Spencer
A practical, casual top in pure cotton featuring palm tree silhouettes. A great value easycare style

Per Una Short Sleeve Knitted Top with Floral Scarf, at Marks & Spencer
A smart short sleeve top featuring a floral print scarf. The lace trim neckline makes it extra stylish

LEGO® Creator Mini Vehicles, at Marks and Spenser
Suitable for ages 6-12 Imaginative play This product conforms to EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Blue Harbour Ultimate Linen Short Sleeve Shirt, at Marks and Spencer
Relaxed and stylish, this short sleeve plain shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear Only available in XXXL

Modern Glass Wall Clock, at M+S
Glass design Metallic hands Circle shape Diam: 30cm, Manufacturer: Marks & Spencer

Blue Harbour Pure Cotton Long Sleeve Double Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this double stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Limited Collection Check Pencil Skirt, at Marks and Spencers
Sleek and chic, this check design pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

There are lots of ways to save money using M&S Money. Not least of these is Marks and Spencer 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 Mark & Spencers, 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 Money, you get more, and you pay less.