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 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 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.

There are lots of ways to save money using M+S Money. Not least of these is Mark & Spensers 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 & Spensers, 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.

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.

Artificial Orchid Spray in Ceramic Bowl, at Marks and Spencer
Artificial orchid Ceramic bowl H75cm, Manufacturer: Marks & Spencer

Perfect Autograph Long Sleeve Jumper, at Marks and Spenser
Our cotton blend V-neck, in a range of colours, goes in the machine and the tumble dryer. You won't get through autumn without one

Autograph Pure Cotton Floral Print Empire Line Top, at Mark & Spensers
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in smart styles and high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Stainless Steel Apple Corer, at Marks and Spencers
Stainless steel Slices apples into eight pieces L15cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

5 Pairs of Younger Boys' Assorted Design Socks, at Marks n Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton blend fabric

Spotty Die Cut Type Sister Birthday Card, at Marks and Spencer
Cover Text: Happy birthday sister Inside Message: Blank for your own message Approx. Size: 150 mm x 215 mm This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future

Luxury Cotton Rich Bengal Stripe Shirt with Silk, at MarksandSpencer
The superior quality, cut and detailing on this luxurious cotton and silk shirt are inspired by Jermyn Street tailors. A sophisticated style with a great fit

Casual Leather Leeds Belt, at Marks and Spencer
Perfect for adding structure to that chunky knit or tunic, the fashionably broader width of this gorgeous belt stays on track with current trends

MoDA Linear Floral Bamboo Paper Blank Card, at Marks & Spensers
Cover text: Blank Inside message: Blank for your own message Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet! Approx size: 150 x 150mm

25 Lavender Room Scenters, at Marks and Spencer
Pack of 25 Lavender scented Burns upto 4 hours each, Manufacturer: Marks & Spencer

Gel High Heel Insoles, at M&S
Provides instant relief for the balls of your feet and under your heels

Easy Iron Poplin Long Sleeve Shirt, at Marks & Spensers
Smart and stylish, this formal shirt features an odour fighting stayfresh finish that makes it easy for you to stay cool, crisp and comfortable throughout the day

Classic Claret 2007 - Case of 12, at Marks and Spencers
Style: Medium bodied Grape variety: Cabernet Sauvignon, Merlot & Cabernet Franc Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

Maternity Ruched Front Bikini Top, at M&S
Relaxed and casual, this ruched front bikini top is designed to flatter you and your bump. Added stretch and a clever cut give a neat, comfortable fit with room for growth. Enjoy your pregnancy in style!

Shop Till You Drop Birthday Card, at Mark & Spensers
Cover text: Shop till you drop! Inside message: Have a great day Approx size: 175 x 126mm

Autograph Mirror Plate Candle Set, at M&S
Set of 5 Mirror base Burns for up to 18 hours Candle: H11cm Plate: L41 x W8.5cm, Manufacturer: Marks & Spencer

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

Fishing Penguin Dad Birthday Card, at Marks&Spencer
Cover text: Dad, Relax, chill out and... ...Enjoy your birthday! Inside message: Have a really cool day Approx size: 215 x 150mm

Pacific Footstool AU09 Newness, at Marks and Spencer
Manufacturer: Marks & Spencer

Stitch Back Pencil Skirt, at Marks & Spensers
Sleek and chic, this pencil skirt is tailored to fit and flatter. A stylish choice for work or smart occasions and it's machine washable for added convenience

Tyrrell's Fifth Generation Shiraz 2006 - Case of 12, at Marks & Spensers
Style: Dry, medium bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites This product is not available for international delivery. Find out more

Autograph Copper Base 14cm Milk Pan, at Mark & Spencers
Stainless steel for maximum durability and shine High performance copper base for even heat distribution Triple layer non-stick coating Riveted handles with silicone inserts for comfort and safety Hand wash only Diam: 14cm Suitable for all cooker types except induction, Manufacturer: Marks & Spencer

Per Una Roma Bootleg Belted Jeans, at Marks and Spencer
A stylish bootleg pair of jeans in stretch cotton featuring an on the waist design. Comes with a silver plated belt, making it extra stylish

Handcrafted Sew Lovely Fabric Mother's Day Card, at Marks & Spencers
Cover text: Mum you're Lovely Inside message: Have a lovely day Approx size: Unfolded: 150 x 150mm

Silver Plated Twisted Leaf Cluster Earrings, at Marks&Spencer
Hook fastening Drop style Twisted leaf detail

Oudinot Champagnes - Case of 6, at Marks and Spencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Hedgehog Couple Anniversary Card, at Marks and Spencers
Cover text: Happy Anniversary Inside message: To you... Approx size: 175 x 125mm

40 Denier Sheer Opaque Tights, at Marks and Spencer
These comfortable 40 denier opaque tights are made with added stretch and a reinforced toe for durability

Per Una Leather Beaded Sandals, at Mark's & Spencer
Open toe Gladiator design Beaded feature Buckle fastening Flat sole

Girls' Limited Pure Cotton Single Breasted Jacket, at Marks & Spensers
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

When you're shopping at Marks and Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M+S Money. Offering everything from savings accounts and credit cards, to Property Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M+S Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."