M&S Money Direct 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 Direct 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, Sainsbury's, 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 Direct UK and European Breakdown Cover, since it covers you as a passenger too.

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

• M&S Insurance: M&S Motor Insurance, M&S Home 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&Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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

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

Also, on both M&S Money Direct 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.

Pure Cotton Short Sleeve 'Ben 10' T-Shirt, at MarksandSpencer
Fans of Ben 10 will love this short sleeve pure cotton t-shirt featuring the popular character. A practical, easycare

Sonoma Extending Dining Table & 6 Alton Damask Chairs Set, at M&S
7 piece set Table: H75 x L180 x W100cm Extends to L230cm Seats 6-8 people, comes with extension leaf to seat 8 Chair: H99 x W46 x D56cm Made from solid ash and fabric seat Made from solid oak and oak veneer This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Top panel is veneered with solid Oak edging 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. 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

Fluted Glass Ball Table Lamp, at Marks & Spenser
Glass ball design base Fabric shade H55 x Diam 35cm Bulb: BC GLS Max 60W, Manufacturer: Marks & Spencer

Big And Tall Two Button Basket Weave Jacket, at MarksandSpencer
Specially proportioned for big and tall men, this basket weave jacket is designed to give a flattering, comfortable fit

Mixed Chunky Bead Chain Necklace, at Marks and Spencers
Clasp fastening Link chain Mixed chunky beads Adjustable length Length: 86cm, extendable by 8cm

Long Sleeve Multiple Print Hooded Jumper, at Marks & Spencer
Fashionable and contemporary, this hooded jumper features a multiple print detail. A pretty, practical and easycare style

3/4 Sleeve Open Neck Collar Shirt, at MarksandSpencer
This fab 3/4 length sleeve shirt features a button fastening. A sophisticated new look, perfect for this season

Autograph Cotton Rich Long Sleeve Shirt, at Marks & Spencers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape

Los Nucos Chardonnay 2008 - Case of 12, at Marks and Spencers
Style: Dry Grape variety: Chardonnay Country of origin: Chile Closure: Synthetic closure Bottle: 12 x 75cl. Alcohol volume: 13.3% 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

Tortoise Shawl, at Marks & Spencer
Perfect for snuggling up to at bedtime or wrapping up in during the day, this soft shawl will give your baby a little extra warmth

Per Una Roma Cotton Rich Bootleg Jeans with Belt, at Marks & Spencer
A smart pair of bootleg jeans in stretch cotton featuring a double buckle belt

Pure Cotton Denim Playsuit Outfit, at M&S
Fun and fashionable, this easycare playsuit features pintuck details for a modern look

Adored Comfort All Over Lace High Leg Knickers, at M+S
Soft and pretty, these lace trimmed knickers are made from a soft stretchy blend of modal and cotton

Cotton Rich Multiway Underwired Follow On Bra, at Marks and Spencers
This simply styled great value bra is ideal for everyday wear. It's made from stretchy fabric for a supportive and comfortable fit. Designed as a follow on bra, the unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Autograph Weekend Cotton Rich Pencil Skirt, at Marks & Spensers
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Hand Finished Cecily's Garden Floral Multipack of Easter Cards, at Marks & Spencers
Cover text: Design 1: Easter wishes, design 2: with love at Easter, design 3: happy Easter Inside message: All designs, blank for your own message 6 cards, 3 designs Approx size: 145 x 70mm

Extra Large Pillar Candle, at M&S
Plain Pillar shape H22 x Diam 8cm, Manufacturer: Marks & Spencer

Autograph Pure Silk Donatello Stripe Tie, at M&S
Crafted from pure silk for a truly elegant look and feel, this stylish tie adds a dash of colour to your smart boardroom look

Perfect Limited Collection Chain Handle Quilted Shoulder Bag, at Marks & Spencer
Enjoy a modern twist on timeless chic with this essential quilted shoulder bag. A great value classic you'll cherish for seasons to come

Pure Cotton Stripe Mock Layer Jersey Top, at Marks & Spencers
Smart and stylish, this mock layer top is made from cool comfortable cotton and features a ruffle front detail and stripe print

Fresh Rose Pot Pourri Bag, at Marks & Spencers
Fresh rose fragrance, Manufacturer: Marks & Spencer

Younger Girls' Holiday Badge Clogs, at Marks & Spencers
Round toe Slip on Spot print Badge features Assorted badges

Meccano Road Monsters Mini Buggy, at M+S
Suitable for ages 3+ Imaginative play 2 fun models to build and play with Over 50 parts Tools included This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Short Sleeve Lifeguard Top, at Marks & Spencers
Cute and comfy, this practical cotton top features a 'lifeguard in training' slogan and motif. The envelope neckline makes it easier to dress him

Autograph Wool Rich Stripe Waistcoat, at Marks & Spenser
This finely tailored waistcoat adds a touch of refinement to your formal wear

Per Una Embossed Puff Jacket, at Marks n Spencer
A fashionable single breasted jacket featuring embossed design and gathered stitch detail.

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

Glacier Necklace & Earrings Set, at MarksandSpencer
2 piece set Hook fastening drop style earrings Clasp fastening mixed bead necklace

Handcrafted Flowers Easter Card, at Marks and Spencers
Cover text: Happy Easter Inside message: Blank for your own message Approx size: 230 x 114mm

Older Girls' Floppy Floral Hat, at Marks and Spenser
Fashionable and fabulous, this floral hat makes a stylish finishing touch

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