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 & 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 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.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M+S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.

When you're shopping at Marks & 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 Buildings Insurance and Motor Insurance, there's a lot more going on at Mark's & 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."

Autograph Integrated Light Tweezers, at Marks and Spencer
Use regularly to help shape and tidy eyebrows Always remove hairs from below or between the eyebrows by pulling in the direction of the hair growth Integrated light Includes case Batteries included

Quiche Selection, at Marks & Spencers
18 pieces Serves 9 Ready to eat Suitable for freezing 1kg As featured on page 20 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

2 Older Girls' Plain Crop Tops, at Marks and Spencers
Cute and comfortable, these comfy crop tops make a great way of getting girls used to the idea of wearing bras

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

Limited Collection Wood Bead Necklace, at Marks and Spencer
Tie fastening Wood bead design Cord chain Necklace length 69cm

Tyrrell's Single Vineyard Belford Hunter Chardonnay 2005 - Case of 6, at Marks and Spencer
Style: Dry, oaked Grape variety: Chardonnay Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Blue Harbour Pure Cotton Leaf Print Shirt, at Marks & Spensers
This pure cotton shirt has been dyed using a special process to give an authentic washed down look which will fade fashionably with time and wear. Colour variations make each garment unique

Per Una Face Palette, at Marks and Spenser
Hypoallergenic Includes: 18 eyeshadows, 12 lip colours, a bronzer and 3 cheek colours

3 Hair Remover Mitts, at Marks and Spencer
Pack of 3 Superfine surface exfoliates your skin while gently smoothing away Used regularly hair re-growth appears slower and less noticeable

Limited Collection Ruched Ankle Boots, at Marks & Spencer
Pointed toe Ruched detail Stitch detail Side zip fastening Mid heel Heel height: 44mm Comes in sizes 3-8, including half sizes

Per Una Body Spray, at Mark & Spencers
100ml This product is not available for international delivery. Find out more

Silver Plated Tiered Heart Necklace & Earring Set, at Marks and Spencer
2 part set Hoop fastening earrings Clasp fastening necklace with adjustable length Tiered heart design

Bordeaux Rosé 2008 - Case of 12, at Marks & Spenser
Style: Dry Grape variety: Cabernet Sauvignon, Merlot & Cabernet Franc Country of origin: France Closure: Screw cap 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

Long Glacier Bead Necklace, at Mark's & Spencer
Adjustable length Clasp fastening Mixed beads Long length

Summer Floral Leaf Bed Cover, at Marks and Spencers
Floral leaf design Quilted look Stitched detail 250 x 265cm, Manufacturer: Marks & Spencer

New Baby Mobile Gift Card, at MarksandSpencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

Ultimate Non Iron Pure Cotton Stripe Shirt, at Mark's & Spencer
This smart cotton shirt has been specially treated so it stays crease-free, even after washing. Technology that's exclusive to us, and ideal for you

Pure Cotton Mock Layer Comic Print Top, at Marks & Spencer
Fun and fashionable, this long sleeve top in soft cotton features a comic print. A practical easycare style

Funnel Neck Half Zip Fleece Jumper, at Marks & Spencer
Fashionable and practical, this comfortable fleece features a half zip fastening for a stylish modern look

Limited Collection Cotton Rich Floral Print Bra, at Marks & Spenser
Fun and fabulous, this cotton rich t-shirt bra is part of our Limited Collection lingerie. It's perfectly smooth so you wont get any visible lumps and bumps under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

3 Pure Cotton Short Sleeve Shirts, at Mark's & Spencer
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Charlotte Footstool, at Marks and Spencers
H39 x W56 x D48cm (all dimensions are approximate) Top cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Feet are castors All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included 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 Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

5 Younger Girls' Funky Animal Print Ankle Socks, at Marks and Spencer
Stock up on stylish essentials with this pack of 5 funky animal print socks

Text Thank You Multipack of 8 Cards, at Marks&Spencer
Cover text: Thank you Inside message: Blank for your own message Pack contains: 8 cards, 1 design Approx. size: 120 x 120mm

Black Aluminium 24cm Skillet, at Marks and Spencers
Non-stick aluminium Triple layer non-stick coating for low fat cooking and easy cleaning Tempered glass lid for easy visibility Riveted handle Soft touch silicone handle for strength and durability Oven safe up to 180/240C/350F/ gas mark 4 Glass lid Diam 24cm, Manufacturer: Marks & Spencer

Handcrafted Contemporary Eggs Easter Card, at Marks and Spencer
Cover text: Easter treats Inside message: blank for your own message Approx size: 230 x 114mm

Patent Faux Crocodile Skin Belt, at M&S
Define your waistline with this fashionable patent faux crocodile skin belt

Cotton Rich Plain Hooded Top, at Marks & Spenser
This sporty hooded top is made from comfortable cotton rich fabric with stretch, giving you that extra bit of freedom to move. The ideal choice for workouts or relaxing afternoons

Honey Tree Sparkling Chardonnay Pinot Noir - Case of 6, at Marks & Spencers
Style: Dry Grape variety: Chardonnay Country of origin: Australia Closure: Natural cork 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

Blue Harlequin Spots Large Gift Bag, at Marks&Spencer
Pack Contains: 1 gift bag Approx Size: H: 420 mm, W: 300 mm, D: 100 mm

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 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, M+S Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.