Marks & Spencer 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 & Spencer 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 & Spencers 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's:

• 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 & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

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

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 and Spencer are so useful. Marks & Spencer 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 Marks & Spencer 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 Marks & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Pure Cotton Carnation Bedset, at Marks & Spencers
Co-ordinate with Yellow coolmax plain dye sheets and pillowcases strokes T352300F,T352300S,T352300P Floral print Single set includes duvet cover and 1 pillowcase Double set includes duvet cover and 2 pillowcases, Manufacturer: Marks & Spencer

Windsor Wardrobe, at Mark's & Spencer
H195 x W102 x D60cm 1 hanging rail and 1 shelf Made from from solid pine Finished with low sheen lacquer for added durability Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered. Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Shoes Mother's Day Card, at Marks & Spenser
Cover text: When I grow up I want to be just like you Inside message: With love on Mother's Day Approx size: Unfolded: 178 x 126mm

Barrel Tumbler, at Mark & Spensers
Barrel design Tumbler style Clear glass H8.5 cm Capacity: 300ml (30cl), Manufacturer: Marks & Spencer

Miele FJM Hyclean Dustbags, at Mark & Spencers
Replacement dustbags for Miele vacuum cleaners using FJM bags

We're Going On A Bear Hunt, at M&S
This worthy winner of the Smarties prize in 1989 is a timeless classic that is enjoyed by children of all ages. A journey through grass, a river, mud, and other obstacles leads to finding a bear!

Lyon Cereal Bowl, at Marks & Spensers
Rib detail Diam 14cm H8cm, Manufacturer: Marks & Spencer

Dallas Sunglasses, at Marks & Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Classic Collection Herringbone Trousers, at Marks & Spencer
Smart and stylish, these straight leg trousers in traditional herringbone are finished with a stitched crease and decorative fob. They make the perfect match for blouses and knitwear in complementary colours. Discreet elastication gives a comfortable fit

Spot Mesh Multiway Padded Bra, at Marks and Spencer
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

White Rattan Laundry Sorter, at Marks & Spencers
Woven design Rectangular shape Removable lining W60 x D31 x H60cm, Manufacturer: Marks & Spencer

Autograph Pure Silk Weave Tie, at MarksandSpencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Pulling Faces Puzzle, at Marks & Spensers
Suitable for ages 0-3 years 16 pieces Helps with hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Nice And Easy CD, at Marks and Spencer
Album, Marks & Spencer

Magnum in Presentation Box, at Mark & Spensers
Chteau D'Argadans Bordeaux Superieur 2005 Magnum (13% vol.) Wine accessories Box dimensions: W138 x L425 x H138mm All prices include delivery Available for delivery from 1st December to 23rd December 2008 You must be 18 or over to purchase this product Glasses and serving dishes not included unless otherwise stated Looking to place a corporate bulk order?. Click here This product is not available for international delivery. Find out more

Half Frame Reading Glasses, at Marks and Spencer
Comes in +1.25 to +3.0 strengths Magnifying lenses aid close work and reading Half frame design

Essential Padded Laptop Briefcase, at Marks & Spencer
This smart padded bag makes a stylish and practical way to carry and protect your laptop and cables

3 Pairs of Cotton Rich Block Stripe Socks, at Marks and Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

Single Breasted Pinstripe One Button Jacket, at Mark & Spencers
Chic and stylish, this pinstripe jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Per Una Pure Cotton Corsage Shirt, at Marks&Spencer
A fashionable 3/4 sleeve shirt in pure soft cotton featuring rose corsage neckline and ruffle detail.

Portfolio Lightweight Tulip Print Scarf Wrap, at M&S
Add a fashionable finishing touch to your look with this elegant tulip print scarf wrap. The perfect accessory to this season's styles

Peppa Pig Wipe-Clean Game Book, at Mark & Spensers
Have hours of wipe-clean fun in this Peppa Pig game book. The pages can be wiped clean so you can play each game again and again

Venetian Floral Mirror, at Mark's & Spencer
Venetian design Rectangular shape Frosted floral detail H85 x W51cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Leather Mini Cross-Over Bag, at Marks & Spensers
Designed to be worn across the body, this stylish and fantastic value bag is crafted in wonderfully durable real leather. Perfect for keeping things close when you're out and about the zip pockets offer extra security

PlayStation®3 Virtua Tennis Game, at Marks and Spencer
Includes superstar players from the men's and women's circuit Play as Roger Federer and Wimbledon champion Amelie Mauresmo Create your own tennis star to compete on the world tour 10 brand new mini games Suitable for 3 years and over 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 *Must be returned with the tamper seal intact for full refund

Karen Shoe Jewellery Holder, at Mark & Spencers
Shoe design Multiple hooks and hoops Corsage detail H9"

Enamel Diamanté Photo Frame 10 x 15cm (4 x 6"), at Marks & Spenser
Enamelled design Diamant detail Metallic trim Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Autograph Single Breasted 2 Button Black Stripe Jacket, at Marks & Spencer
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Griffin Wave Case for iPod Touch, at Marks & Spenser
The distinctive wave shape on the case defines elegant styling as well as unique functionality. Wave's overlapping curves of the closure provide increased surface area to lock together with greater security for your iPod. Included screen protector guards your screen, but allows complete access to your iPod clickwheel. Wave for iPod touch (2nd generation) includes protection for your multi-touch display

5 Younger Girls' Pure Cotton Hello Kitty Briefs, at Marks & Spencers
A must for fans of Hello Kitty character, these briefs feature assorted designs

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