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 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, Sainsburys, 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.

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.

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. Marks & Spencer Money financial products are, of course, designed to make M&S 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.

North Coast Pure Linen Check Shirt, at Marks and Spencer
Relaxed and stylish, this short sleeve shirt is cut for a great fit. It's made from pure linen so it feels cool and comfortable to wear

Chrome Collection Soap Dispenser, at M & S
H19 x Diam 5.5cm Chrome design, Manufacturer: Marks & Spencer

Handcrafted Diamante Words Valentine Card, at Marks and Spenser
Cover Text: I LOVE 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: 150 x 150mm

Seville Antique Brass Soap Dish, at Marks & Spencers
Oval dish Wall mounted H6 x W14 x D13.3cm, Manufacturer: Marks & Spencer

Body Padded Plunge Lace T-Shirt Bra, at Mark's & Spencer
Smooth and versatile, this comfortable t-shirt bra is designed for a no-show look under your clothes

Fox Hollow Verdelho 2008 - Case of 6, at MarksandSpencer
Style: Dry Grape variety: Verdelho and Semillon Country of origin: Australia Closure: Screw cap 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

Per Una 3/4 Sleeve Mariella Blouse, at Mark's & Spencer
A fashionable 3/4 sleeve blouse featuring a floral print and front tie fastening

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

2 Machine Washable Floral Pattern Ties, at Marks n Spencer
Smart style at a great price! This pack of 2 ties is outstanding value. They're machine washable, so you save on cleaning too

Younger Girls' Retro Sunglasses, at Marks and Spencer
Cute and colourful, these retro sunglasses give 100% UV protection for safer style in the sun

Mats,coasters,trays - GRID COASTER 4PK, at Marks and Spencers
Manufacturer: Marks & Spencer

2 Autograph Addison Black Dining Chairs, at Marks n Spencer
H86 x W47 x D51cm Black Italian leather seats Sold as a pair Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Chairs are made from solid wood for strength All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings. Free eco-friendly delivery to your home. 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 manufacturers instructions, and be aware that polishes can add sheen SAVE ON SETS Save at least 25% when you buy these chairs as part of a set. Click here to view the Addison Black Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Watercolour Floral Calendar, at Marks and Spencer
Month to view Dimensions: 150 x 400mm

Per Una Linen Blend Connie Jacket, at Marks & Spencers
A feminine 3/4 sleeve linen blend jacket featuring an asymmetric hem and notch lapel makes this a versatile choice

Hooded Check Duffle Fleece, at Marks & Spencers
Comfy and cosy, this hooded fleece feels soft and warm and is great value. A practical, easycare style

Long Length Stitch Detail Skirt, at Mark's & Spencer
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

Wide Waistband Dogtooth Tulip Skirt, at Marks and Spenser
This season the tulip reigns supreme among skirts. This ultra-modern design has an oversized dogtooth check and looks great worn with opaque tights and shoe boots for an up-to-the-minute contemporary feel

Machine Washable Diamond Spot Tie, at Marks & Spencer
No more trips to the drycleaners! This contemporary spot print tie is machine washable

Cotton Rich Border Trim Blanket with Wool, at M & S
Plain Border trim Comes in sizes single (3ft), double (4ft 6in), king size (5ft)and super king size (6ft), Manufacturer: Marks & Spencer

Per Una Stripe Full Panel Skirt, at Marks & Spencers
Comes with belt shown A casual A-line skirt in a cool linen blend featuring a stripe panel design and finished with a flared hem

Linen Pasta Bowl - Beige, at Marks and Spencers
Round shape Linen floral print Diameter: 23.5cm, Manufacturer: Marks & Spencer

1001 Little Ways to Look Younger, at Mark's & Spencer
Anti-aging tactics and treatments for lifelong beauty

Digital Alarm Clock, at Marks & Spensers
LCD time and alarm display Rectangular design Front buttons Dimensions: 10cm x 16cm x 6.5cm 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

Castillo del Moro Tempranillo Syrah 2008 - Case of 12, at Mark's & Spencer
Style: Dry Grape variety: 85% Tempranillo and 15% Syrah Country of origin: Spain Closure: Screw Cap Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Detroit Extending Dining Table & 6 Alton Plain Leather Chairs Set, at Mark & Spencers
7 piece set Table: H75 x W90 x L160cm (extends to L205cm) Chair: H99 x W46 x D56cm Table seats 6-8 Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a solid oak edging for strength 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

2 Kitchen Hand Towels, at Marks & Spencer
Stripe design Pack of 2 Approx 50 x 70cm, Manufacturer: Marks & Spencer

La Source Chablis 2006 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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 Mark's & 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

Chunky Bead Guilty Pleasure Necklace, at Marks and Spencer
Multi strand design Chunky bead necklace Adjustable length

5 Pure Cotton Plain Shorts, at Mark's & Spencer
Practical and fashionable, this 5 pack of cotton shorts makes a great way to stock up on essential style

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spencer Standard Motor Insurance. With Marks & Spencer 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 Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks n Spencer, 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.