There are lots of ways to save money using M+S Money. Not least of these is M+S Standard Car Insurance. With M+S Money you can keep the cost of your Car 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 Car Insurance cover from M+S Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car 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 Car Insurance from Marks & Spencers Money, you get more, and you pay less.

When you're shopping at Marks n 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 Car Insurance, there's a lot more going on at Marks & Spencers 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."

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks & Spencers are so useful. M+S Money financial products are, of course, designed to make Marks and Spencers a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Buildings Insurance policies. Usually, UK Buildings Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M+S Money Buildings Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M+S Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Satin Spot Print Shirt with Belt, at Marks and Spencer
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

Dressing Table Gift Card, at M&S
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

Scooter Boy Age 5 Birthday Card, at Marks and Spencers
Cover Text: 5 today, HOORAY! Inside Message: Happy birthday! Approx size: 174 x 126mm

Forerib of Beef with Horseradish Butter, at Marks and Spencers
Serves 7-9 Ready to cook Suitable for freezing 1.9kg As featured on page 34 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Valletta Table, at Mark & Spensers
Stainless steel and teak frame Suitable for outdoor use H80 x W150 x W90cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton Matinee Cardigan, at Marks and Spencer
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too!

Perfect Autograph Weekend Satin Honeycomb Print Chemise, at Marks & Spenser
Luxurious and sophisticated, this modern chemise is part of our exclusive Autograph Weekend collection. It's beautifully designed and detailed with honeycomb print and made from the softest fabrics for the ultimate in comfort

Classic Collection Linen Blend Floral Print Dress, at Marks & Spensers
Pretty and feminine this lovely dress is made from soft floral print fabric. A fashionable style with a comfortable, flattering fit

5 Younger Girls' Pure Cotton Sleeveless Plain Vests, at Marks&Spencer
Stock up on stylish essentials with this 5 pack of cotton vests

Handcrafted Story Time Mum Mother's Day Card, at Marks and Spenser
Cover text: To a special Mum "and when the children were old enough, they moved out and Mummy lived happily ever after" Inside message: Blank for your own message Approx size: Unfolded: 230 x 114mm

7 Pairs of FreshFeet Assorted Stripe Socks with Silver Technology, at Mark's & Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Mixed Bead Necklace, at Marks and Spencer
Clasp fastening Mixed bead design Link chain Necklace length: 40cm

Blue Harbour Self Stripe Polo Shirt, at Mark's & Spencer
Stylishly smart casual, this polo shirt is made from a modal blend so it feels exceptionally comfortable to wear. Modal is a luxuriously soft fabric made from natural plant fibres

Autograph High Waist Knee Length Pencil Skirt, at Marks and Spencer
Sleek and stylish, this shapely pencil skirt is designed to fit and flatter. Exclusive, luxurious and beautiful

Perfect Rose Net Tights, at Mark & Spensers
For an instant fashion update, just pull on a pair of these rose print net tights. They'll see you all the way through winter...

Formula Age Restructure™ Age Spot Away Cream & Calcium Complex, at Marks&Spencer
Luxuriously rich cream for the 60+ complexion Proven results after 4 weeks Helps reduce appearance of age spots and discolouration Calcium complex to firm and improve the structure of the sagging skin Collageneer a lupin extract to strengthen and improve skin elasticity Blend of extracts to target age spots Wheat biovector to redensify and smooth Suitable for all skin types Hypoallergenic 15ml This product is not available for international delivery. Find out more

Sherbets Wedding Text Card, at Marks & Spencers
Cover text: Wedding Inside message: With love This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

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

Layered Heart Wedding Card, at Marks & Spencer
Cover text: With love on your wedding day Inside message: Blank for your own message Approx size: 230 x 114mm

Ratatouille DVD, at Marks and Spencer
Rating Universal, suitable for all,

Autograph Merano 2-Seater Unit (Left-Hand Arm), at Marks & Spencer
H84 x W172 x D102cm Seat H47cm, arm H63cm, top back rail H63cm (all dimensions are approximate) Seat cushions made from shape-retaining foam with extra-thick fibre wrap - 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 Fabric options have reversible cushions Available in fixed cushion covers only 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 Glide feet with a dark finish All of our fabrics are treated with Stain-Defence™ - 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

Fairtrade Cotton Buds, at Marks & Spencer
Contains approx 200 cotton buds By buying this item you are ensuring that cotton farmers in the developing world can improve their livelihoods Click here to view a video about Fairtrade Cotton

Blue Harbour Pure Cotton Car Motif T-Shirt, at Marks & Spencers
Fashionable and relaxed, this car motif t-shirt is made from pure cotton. It's soft, breathable and comfortable to wear

Blue Harbour Funnel Neck Fleece Gilet, at M&S
Relaxed and cosy, this sleeveless fleece makes a warm and comfortable extra layer

Petite Stitch Waistband Straight Leg Trousers, at Marks & Spencers
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style. Specially designed and perfectly proportioned for the petite frame

Cotton Rich Single Breasted 3 Button Corduroy Jacket, at Marks&Spencer
A smartly tailored 3 button corduroy jacket in stretch cotton fabric

Reader's Digest - The Most Amazing Places On Britain's Coast, at Marks and Spencers
A unique guide to more than 1000 captivating and curious locations

Pure Linen Flat Cap, at Marks and Spencer
A traditional British classic, this is a versatile style that looks great worn smart or casual

Panasonic 37" TX-L37S10 Full HD LCD TV, at Marks & Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 37 inch plasma display, 2,073,600 (1,920 x 1,080) pixels Contrast (Dynamic): 50,000:1 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: W91.5 x H57.7 x D9.7cm (without stand) 91.5 x 62 x 28.7cm (with stand) Weight: 15.5 kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3 x HDMI, 2 Scart, PC Input, S-Video Input, Headphone Jack, Composite Video Input VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast SD Card Slot: View your treasured photos on the big screen by simply removing your camera's memory card and sliding it into the SD card slot 24p Playback: High speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your AV systems with only one remote 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 mountT042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

3 Older Boys' Autograph Pure Cotton Boxers, at Marks & Spencers
Comfortable, practical and fashionable, this 3 pack of boxers is made from soft breathable cotton

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 Car 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; Car 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.