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, Sainsburys, 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 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 Mark's & Spencer 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 Marks & Spenser, 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 Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and 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 and 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.

Summer Dress Card, at Marks & Spencers
Cover text: Wishing you a wonderful birthday Inside message: Blank for your own message Approx size: 230 x 114mm

Halterneck Spot Print Swimsuit, at Marks and Spencers
Fabulously fashionable, this flattering swimsuit features a striking spot print. Designed to fit and flatter

My First Bible, at Marks & Spenser
From Noah's ark to the Story of Easter, the Bible's best-loved stories are re-told alongside beautiful illustrations. Perfect for reading aloud to your child or grandchild, with fun activities

Winchester Armchair, at Marks and Spenser
H94 x W94 x D100cm Seat H49cm, arm H62cm, top back rail H81cm Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions made from polyester fibre Fabric options have reversible cushions Fixed covers only Solid birch feet with a dark finish Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Seams and pattern match on fabrics - Please note that the images of fabrics displayed here are overlaid onto models. These images act as a guide and may not be representative of the finished product. Seams and pattern match may differ from what is shown This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Baroque Jacquard Cushion, at Marks and Spencer
L43 x W43cm Baroque design Square shape, Manufacturer: Marks & Spencer

Pure Cotton Double Breasted Mac with Belt, at Marks and Spenser
Practical and fashionable, this water resistant mac features a double breasted design and epaulettes. Perfect for drizzly days, it can be accessorised with a rain hat or umbrella to see you through the season in style

Pocket Trim Cross Body Bag, at Marks & Spencer
Fashionable, comfortable and secure, this cross-body bag features an adjustable strap and multiple pockets. A practical and stylish accessory

Autograph Mineral Powder Blusher, at Marks & Spencers
Designed for all skin types Fragrance and preservative free Hypoallergenic

Ruby Cup & Saucer - Black, at MarksandSpencer
2 piece set Slim handle stripe cup All over stripe saucer Saucer diam 14.5cm Cup height 5cm, Manufacturer: Marks & Spencer

Pure Cotton Leaf Bathmat, at Marks&Spencer
Leaf pattern Pedestal mat: 50 x 80cm Bathsheet: 50 x 55cm, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Stripe Top, at Marks and Spencers
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

Limited Collection Wooden Heel Court Shoes, at Marks and Spencer
Almond toe Court style Stitch detail Mid heel Heel height: 75mm Comes in sizes 3-8, including half sizes

Los Molles Carménère 2007 - Case of 6, at Marks and Spencers
Style: Medium bodied Grape variety: Carmenere Country of origin: Chile 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

Per Una Speziale Palette, at Marks & Spencers
Hypoallergenic Applicators included

Maxim 4-Slice Toast Rack, at Marks and Spencer
Suitable for everyday use Can hold up to 4 pieces of toast Versatile fine dining range Pure white porcelain H7 x W8cm, Manufacturer: Marks & Spencer

3 Cotton Rich Plain Sports T-Shirts, at Marks & Spensers
Ideal for PE, this great value 3-pack of t-shirts is made from pure natural cotton trimmed with stretch ribbing

Craggy Range Single Vineyard Te Kahu 2005 - Case of 6, at Marks & Spencer
Style: Dry, full bodied Grape variety: Merlot and Cabernet Sauvignon 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

Pure Wool Etched Leaf Rug, at Marks & Spenser
Pure wool Floral design, Manufacturer: Marks & Spencer

Body Miracle Low Rise Lace Trim Shorts, at Marks & Spensers
These pretty lace trim shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Diamanté Table Decorations, at Marks & Spenser
Set of 12, Manufacturer: Marks & Spencer

Formula Calming Day Cream, at Marks and Spenser
Contains chamomile and vitamin E Especially formulated for sensitive skin Hypoallergenic 50ml

Gold Plated Multi Strand Necklace, at M&S
Adjustable length Clasp fastening Multi strand design Necklace lengths: 1st strand 39cm, 2nd strand 42cm, 3rd strand 44cm, extendable by 8cm

Butterfly Photo Frame 10 x 15cm (4 x 6''), at Marks & Spenser
Butterfly design Rectangle shape Aperture 10 x 15cm (6 x 4''), Manufacturer: Marks & Spencer

Handcrafted Black Dots Mother's Day Card, at Marks & Spencers
Cover text: For a wonderful Mum Inside message: With lots of love Approx size: 178 x 126mm

Formula Moisturising Age Repair Toner, at Marks & Spencer
Targets wrinkles and fine lines Hypoallergenic Suitable for all skin types Alcohol free Ceramide for younger looking skin Zinc complex to normalise and balance Witch hazel to tone and refresh 200ml

Antigua Loveseat AU09 Newness, at Marks and Spencers
Manufacturer: Marks & Spencer

M400 Zip & Link Mattress - Combination Support, at Marks&Spencer
Super King Size (6ft): W180 x L200cm Mattress depth: 24cm Zip & Link allows you to combine different levels of firmness on the left and right sides of the mattress. The two sides of the mattress zip together, so you and your partner can choose between medium or firm support Mattress unzips into 2 easier to fit into your home Filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs Spring Count: 1054 Anti-allergy protected for the life of the mattress Does not require turning 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

Special Hoop Necklace, at Marks & Spencer
Clasp fastening 'Two hearts linked together wear this necklace as a daily reminder that you are loved very much and always will be x' slogan on backing Length: 41cm Extender: 8cm

Perfect Knee Length Panelled Pencil Skirt, at Marks & Spencers
Sophisticated and stylish, this pencil skirt in easy-to-wear jersey makes dressing for work an absolute breeze this autumn

Perfect Bubble Base Cylinder Vase, at Marks & Spencer
This hand made cylinder bubble base vase is perfect! It's an elegant way to draw focus to any empty space in your home. Our Perfect products are the ultimate must haves

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

Also, on both Marks & Spencer 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.