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

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

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 Marks & 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 MarksandSpencer, through its M+S 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Soft Vanilla Diffuser Plug-In Refill, at Marks & Spenser
Plug-in design 15ml of fragranced liquid Lasts up to 75 days This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Jersey Bootleg Trousers with Flower Belt, at Marks and Spencers
Comfortable, hardwearing bootleg trousers with stretch. Practical and easycare, they're an ideal choice for school. They come with the flower belt shown

Per Una Jewel Embellishment Belt, at M & S
A jewel embellishment makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Bonded Leather Collection - Oval Bin, at Mark's & Spencer
Elegant waste bin Tubular shape Simple design suits most settings H30.8 x W31 x D23.5cm, Manufacturer: Marks & Spencer

2010 Slim Diary, at Marks & Spencer
Dimensions: 16.5 x 8cm

Pure Cotton Funnel Neck Stripe Sweatshirt, at Marks and Spencer
Smart and stylish, this funnel neck sweatshirt is made from cool comfortable cotton and features a stripe design

Luxury Orchid, at Marks and Spenser
Orchids are traditionally known as symbols of beauty and this deluxe version certainly lives up to its reputation. This beautiful twin stemmed multiflora orchid is planted in a contemporary glass vase with a pretty satin-finished ribbonAvailable for delivery between 1st April to 30th September 2009

Recycled Hollowfibre Outstanding Value 10.5 Tog Duvet, at Marks n Spencer
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating Non-allergenic Highest quality hollowfibre filling Pocket construction for even warmth 100% cotton cover and 230 thread count Soft & comfortable Comes in single, double and king sizes Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

Per Una Patent Finish Frame Bag, at Marks & Spenser
A patent finish makes this fashionable bag even more special. Give your look the Per Una twist!

Machine Washable Flat Front Stripe Trousers, at Marks & Spencer
aspirational copy

Faux Silk Eyelet Curtains, at Marks and Spencers
Eyelet Plain Lined Eyelet curtains are for use with curtain poles Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Fabulous Husband Keyring Card, at Mark & Spencers
Cover text: Happy birthday to my fabulous husband, you'll always be the light of my life x Blank inside Approx size: 125mm x 177mm

Stripe Swimming Trunks, at Marks & Spencer
Perfect for holidays or school swimming lessons, these practical trunks are outstanding value

Schoolwear Plus Fit 3 Easycare Long Sleeve Shirts, at MarksandSpencer
This 3 pack of larger sized easycare long sleeve shirts is outstanding value! A school essential View Plus Schoolwear Size Guide. Find out more

M&S Coffee Maker with Digital Timer and Grinder, at Mark's & Spencer
1.5 litre capacity 230v 50hz 1000W Stainless steel finish Soft touch digital controls Built in coffee grinder Automatically turns off after 2 hours Glass carafe Removable and washable filter 2 year guarantee, Manufacturer: Marks & Spencer

Face à Face Colombard Sauvignon 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: Colombard, Sauvignon Blanc Country of origin: France Closure: Screw cap Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle: 8.6 Alcohol units per 125ml: 1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

3 Pairs of Comfort Easy Grip Socks, at Marks and 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

Blue Harbour Long Sleeve V-Neck Fleece Top, at Marks & Spenser
Relaxed and cosy, this long sleeve v-neck fleece top is outstanding value!

Tiga Nest of Coffee Tables, at Mark & Spensers
Large: H45 x L140 x D46cm (largest) Pair of tables Made from sheesam wood Finished with a protective matt lacquer for added durability 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 This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this table as part of a set. Click here to view the Tiga Collection Set. , Manufacturer: Marks & Spencer

Ultimate Non Iron Pure Cotton Royal Oxford Shirt, at Marks and Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Country Bunch You're Engaged Card, at Marks & Spencer
Cover Text: You're engaged Inside Message: Blank for your own message Approx. Size: 178 mm x 126 mm

Côtes du Rhône 2007 - Case of 12, at Marks & Spensers
Style: Light bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 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

2 Pure Cotton Assorted Sleepsuits & Socks, at Marks&Spencer
Cute and snuggly, these sleepsuits feature animal motifs and a slogan. The soft cotton fabric is perfect for comfy sleep

Fleece Dressing Gown, at Marks & Spencers
Wonderfully warm and cosy, the fleecy fabric of this classic dressing gown creates the perfect solution for indulging in soft, relaxing comfort

5 Pairs of 15 Denier Shine Tights, at Marks and Spenser
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

Pure Cotton Tonal Stripe Towel, at Marks n Spencer
Tonal stripe design, Manufacturer: Marks & Spencer

Girls' Limited Pure Cotton Top with Scarf, at Marks and Spenser
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

Dualit Hand Blender with Accessories - Cream, at Marks and Spencer
500 watt motor Pulse plus button - 17000rpm Variable speed control - 9000 to 16000rpm Dishwasher safe functional parts Easy grip soft touch handle Two gear boxes Stainless steel, longlife blades Dualit moulded Plug Detachable blending stick for easy cleaning Accessories include: Chrome plated beaters, stainless steel whisk, stainless steel 500ml capacity beaker with stay fresh lid, mini chopping bowl Dimensions: H38cm 500 ml capacity jug 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

Nectarine & Orange Infusion Sticks, at Marks & Spensers
Fragranced liquid in glass bottle diffused by wood sticks into your room Nectarine and orange scented, Manufacturer: Marks & Spencer

10 Party Time Drinks Invitations, at Marks and Spencer
Cover text: Party time! Inside message: Dear... You are invited to a party on.. time.. place.. Hope you can come.. RSVP.. This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 120 x 120mm

Besides Marks and Spenser Motor Insurance, M+S Money Credit Cards and other financial products, M+S Money Home 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 and Spencer purchases are also protected while you take them home.

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