There are lots of ways to save money using M&S Financial Services. Not least of these is M&S Standard Motor Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & 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.

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

• M&S Insurance: M&S Motor Insurance, M&S Property 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 Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

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

M&S 15'' LCD TV with Built-in DVD Player - Black, at Marks & Spencers
Display: 15 inch flat screen, 1280 x 800 pixels Contrast Ratio: 400:1 Integrated Digital Tuner: Gives you access to all Freeview™ terrestrial digital TV channels and all digital radio stations (subject to coverage in your area) Dimensions: H34.5 x W38 x D17.5cm Sound: Nicam stereo Connectors: 1 x HDMI input, 1 x Scart socket DVD Player: Built-in Dynamic Contrast Ratio: 2000:1 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mount T042100 to perfectly mount this TV This product is not available for international delivery. Find out more

Portfolio Pure Linen Sleeveless Belted Dress, at Marks & Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Ivory Leather Wedding Guest Book, at Marks & Spensers
Wedding guest book Gift box Guest book: H210 x W290mm Gift box: H225 x W305mm

Brass Ball 5-Arm Ceiling Light, at MarksandSpencer
Brass effect Ball design 5 arms with voile shades Bulb: 5 x 40W SES or 9W CFL H40.5 x Diam 42.5cm, Manufacturer: Marks & Spencer

Belkin Wireless G Modem Router for ADSL Broadband, at Marks & Spenser
Share your broadband ADSL connection wirelessly Transfers data at up to 54 Mbps using the 2.4 Ghz band Allows you to connect to ADSL Internet access (analogue, so not ISDN) and share your highspeed connection, data files and network peripherals without wires Built-in Modem Compatible with 802.11b and 802.11g devices Comes with Set-Up Wizard and latest wireless security features Features advanced security including WPA Pre-Shared Key, WPA (Radius Server), 128-bit WEP, and 64-bit encryption Protects your network from outside intrusions by hackers using NAT and SPI firewalls Manufacturer's Lifetime Warranty and free Tech Support Package Includes: ADSL, ADSL2, ADSL2+ Modem with Wireless G Router, RJ11 Phone Line Cord, RJ45 Ethernet Networking Cable, ADSL In-Line Filter, Power Adapter, User Manual CD, Quick Installation Guide System Requirements: Active ADSL connection with RJ11 (via filter), At least one computer with an installed wireless network interface card or adapter, TCP/IP networking protocol installed on each computer 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 This product is not available for international delivery. Find out more

Autograph Pure Cashmere Hooded Stripe Cardigan, at Marks & Spencers
Soft and snuggly, this practical cashmere hooded cardigan will keep him feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Long Sleeve Dobby Stripe Blouse, at Marks & Spensers
This fab long sleeve shirt features a stunning dobby stripe design. A sophisticated new look, perfect for this season

Pure Linen Pintuck Bib Shirt, at Marks and Spencer
This fab short sleeve shirt features a stunning pintuck bib design. A sophisticated new look, perfect for this season

3/4 Sleeve Square Neck Button Top, at Marks & Spencers
This square neck top is a casual style essential. Perfect for mixing and matching with trousers or skirts

Siemens HF26056GB 1000W Built-in Microwave Oven, at Marks and Spencer
27-litre capacity 5 microwave power levels, 3 defrost programs Max 1000W power output Electronic control with clear display H380 x W562 x D450mm (including casing) Stainless steel 34cm glass turntable Left-opening door Fits the top cupboard in the Sonoma Oven Unit. Click here to view the Sonoma Oven Unit

Cats Slim Diary, at Marks and Spencer
Week to view 3D effect Dimensions: 165 x 80mm

Ceriso Floral Print Padded DD-G Bra with Silk, at Marks and Spencers
Gorgeously feminine, this modern bra features a rose print and is finished with a lace trim. It's underwired and structured to give fuller busts great support and a fabulous uplifted shape. Designed for women who want the latest look

Girls' Limited Baker Boy Hat & Gloves, at Marks and Spencer
Snug and cosy, this fabulous hat and scarf set is a fashionable choice for chilly weather

Collezione Luxury Centre Crease Trousers with Silk, at Marks & Spencer
Smart and stylish, these centre crease trousers are made from cotton rich fabric with silk for a touch of luxury. A practical, hardwearing and fashionable choice

Autograph Weave Print Tie, at MarksandSpencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Adored Lily Embroidered Non Padded Bra, at Marks and Spencer
Pretty and elegant, this non-padded bra is made from the softest fabric, embroidery and lace, so it's blissfully comfortable to wear

Pink Butterfly and Dandelion Seed Birthday Card, at Marks & Spencer
Cover Text: Blank Inside Message: Blank for your own message Approx size: 174 x 126mm

Limited Collection Almond Toe Shoes, at Marks & Spensers
Almond toe Court style Buckle fastening Mid heel Heel height: 56mm Comes in sizes 3-8, including half sizes

Autograph Sapporo® Lilies, at Marks and Spencer
Online Exclusive Especially chosen for their beautiful and impressive flowers, this stunning bouquet of white Sapporo lilies is from our new luxury Autograph flowers collection. Long lasting huge flowers and a beautiful scent make these lilies an impressive display and a stunning giftAll Autograph bouquets are beautifully presented, wrapped by hand and finished with Autograph branded cellophane & a black organza ribbon Available for delivery from 1st April to 30th September 2009

Sonoma Office Black Leather Swivel Chair, at Marks and Spencer
H117 x W63 x D72cm Adjustable seat height: 36-42cm Metal base Leather seat Adjustable height Gas lift function Delivered flatpack due to size. Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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 chair as part of a set. Click here to view the Sonoma Office Collection Set. , Manufacturer: Marks & Spencer

Happy Birthday Cake Stand Gift Card, at Marks & Spencers
Can be redeemed in any of our UK stores and online Credit card-sized Gift Card with presentation greetings card 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

Berry Crush Performance Vest, at Marks & Spencer
Ideal for active wear, this Performance top incorporates moisture management technology. The high-performance fabric draws moisture away from the skin to the surface, keeping you drier. Designed for a great fit and essential ease of movement

Bow Straw Shopping Bag, at Mark's & Spencer
Stylish and useful, this bow straw shopping bag features a woven design. A practical and fashionable accessory

4 Floral Detail Glass Coasters, at Marks & Spencer
Pack of 4 Floral Detail Square shape Solid glass, Manufacturer: Marks & Spencer

Autograph Punch Stitch Apron Shoes by Jeffery-West, at Marks & Spencer
Slip-on Square toe Stitch detail Shallow block heel

North Coast Pure Cotton Dobby Check Shirt, at Marks and Spencer
Stylishly smart casual, this short sleeve dobby check shirt is made from pure cotton so it feels soft and comfortable to wear

Autograph™ Friendship Gift Bag, at Marks & Spencers
This luxurious display of 10 sumptuous friendship roses is beautifully enhanced by leucadendron and hypericum berries. Set in a stylish black gift bag, it's a truly striking gift Available for delivery from 1st April to 30th September 2009

Autograph Long Sleeve Floral Print Top, at Marks and Spenser
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.

Younger Boys' Disney Cars Slippers, at M&S
Lightning McQueen motif Grip sole Contrast trim Disney

Disney Handy Manny Colouring Book, at Marks and Spencers
Join Handy Manny and his cheerful band of tools inside this cool colouring book! They cant wait to get started on their next fix-it job, but colour them grab your pens get colouring!

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 & Spencers 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 & Spencers, through its M&S Financial Services 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.