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 Spenser 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 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 M+S Money UK and European Breakdown Cover, since it covers you as a passenger too.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers 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 & Spenser, 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.

Besides Mark & Spencers Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money Property 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 Marks & Spencers purchases are also protected while you take them home.

Also, on both M+S Money Premier Property Insurance and Standard Property 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.

Adored Floral Embroidered Underwired Bra, at Marks and Spencers
Delicate and stylish, this soft lace bra is gently supportive and exceptionally comfortable. Underwiring and padding give an enhanced natural shape. Feminine everyday lingerie

Girls' Limited Pure Cotton Brace Skirt, at Marks & Spencers
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

Hand Made Presents Birthday Card, at Marks & Spencer
Cover text: Happy Birthday... To You Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

Sprung-Edge Suede Divan with 2 Small + 2 Large Drawers & Autograph M500 Mattress - Medium, at Marks & Spensers
Double mattress (4ft 6in): W135 x L190cm King size mattress (5ft): W150 x L200cm Super king size mattress (6ft): W180 x L200cm Double divan (4ft 6in): W135 x L190cm King size divan (5ft): W150 x L200cm Super king size divan (6ft): W180 x L200cm Mattress depth: 27.5cm Divan height: 41cm Large drawer: H14 x W78 x D52cm Small drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress is entirely handmade Individually pocketed springs Mattress features deep pillowtop layer containing high quality fillings of cashmere, silk and super-soft reflex foam Two further layers of cotton and polyester underneath the pillowtop layer Double row of hand side-stitching to add support to the edges of the mattress Mattress spring count: 1225 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

Autograph Flock Stripe Non-Padded Bra, at Marks & Spencer
Glamorous and sophisticated, this lace detail bra looks and feels luxurious. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Larson Chair, at Marks & Spencers
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam 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™ - 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

Flat Front Bootleg Trousers, at Marks and Spenser
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Per Una Circle Foil Bikini Bottoms, at M&S
A fashionable high leg pair of bikini bottoms featuring a circle foil print design

Hopskotch, at Mark & Spensers
10 foam pieces 2 hopscotch stones Suitable for indoor and outdoor use Suitable for ages 3-6 years, Manufacturer: Marks & Spencer

Classic Underwired Built-Up Shoulder Bra, at M+S
A lovely addition to your day to day underwear drawer. This versatile bra combines the shaping and support of underwiring and adjustable straps with the convenient comfort of an easy to care for design

Diamanté Towelling Mule Slippers, at Mark's & Spencer
Dip your feet into lush comfort with the slip-on design of these cosy mule slippers. The non-slip sole ensures peace of mind, while the inner lining feels like a heavenly treat

Blue Harbour Cotton Blend Lightweight Check Chino Shorts, at Marks and Spencer
Think smart on those warmer days and nights with the design of these check print shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Seville Antique Brass Wall Mirror, at Marks and Spencer
Oval Shape, Manufacturer: Marks & Spencer

Autograph Moisturising Aftershave, at Marks and Spencer
Aftershave balm Moisturises 100ml This product is not available for international delivery. Find out more

Dualit Vario 6 Slot Toaster - Cream, at Marks and Spencers
Hand built in England - as identified by the individual assembler's mark on the base plate Designed for use in commercial kitchens Patented, award-winning ProHeat elements Mechanical timer to control toasting Capacity 2, 4 or 6 slices Manually operated eject lever to keep items warm until needed Selector switch - use only the slots required Adjustable inner wire guard to grip toast Replaceable/ repairable parts Easy cleaning with a stainless steel cover High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Concealed crumb tray Adjustable rear foot Dimensions: W46 x H21 x D22cm Weight: 5.1kg 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 , Manufacturer: Marks & Spencer

Checkerboard Cosmetic Bag, at Mark's & Spencer
Rectangular Zip fastening Check pattern Side pouch

Recycled Football Cushion, at Marks & Spencer
Circular shape Football design 28cm diameter, Manufacturer: Marks & Spencer

Pure Silk Floral Tie, at Marks n Spencer
Add a luxurious finishing touch with this smart floral tie in pure silk

Double Buckle Snake Print Handbag, at Marks & Spencer
Get bags of style! This snake print handbag is a fabulous fashionable accessory. Handy compartments make it useful and practical too

Nan Ribbon Basket Card, at Marks & Spencers
A beautiful and hand-finished design complete with woven ribbon, wire heart and sequinned flowers Cover reads: Nan x Inside message reads: Especially for you on your birthday Approx size: 125mm x 175mm

2 Sea Creature Swim Shorts, at Marks and Spencer
Fun and fashionable, these lined shorts fit comfortably and securely. Sea creature designs add a fab finishing touch

Luxury Pure Cotton Long Sleeve Oxford Shirt, at Mark's & Spencer
The superior quality, cut and detailing on this luxurious pure cotton shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Collezione Pure Wool Single Breasted Twill Jacket, at Marks & Spenser
Italian tailoring is renowned for its sophisticated style. Each collezione jacket is designed with that same passion, using the finest fabrics and best tailoring techniques

Autograph Multi Bead Drop Earrings, at Marks and Spenser
Hook fastening Drop style Multi bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Shady Grove Cabernet Sauvignon 2005 - Case of 6, at Marks and Spencers
Style: Full bodied Grape variety: Cabernet Sauvignon Country of origin: Australia Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Long Sleeve Thermal Vest, at Mark's & Spencer
Soft, warm and cosy, this long sleeve thermal vest is designed to give comfy insulation, perfect for chilly weather

Metallic Square Face Watch, at Marks and Spencer
Square face Buckle fastening Analogue Metallic

Collections - WOOD DOG, at M+S
Manufacturer: Marks & Spencer

Pirque Estate Chardonnay 2007 - Case of 12, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: South America Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl Alcohol volume: 15% vol. Alcohol units per bottle: 11.3 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Limited Collection T-Bar Double Strap Wedge Shoes, at Marks and Spenser
Open toe T-bar Buckle fastening Wedge heel Heel height 118mm Comes in sizes 3-8, including half sizes

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.