There are lots of ways to save money using M&S Financial Services. Not least of these is Marks n Spencer 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 Marks & Spencers 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 MarksandSpencer 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 House 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 n 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.

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 & Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spencer 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, House Insurance policies. Usually, UK House 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 Financial Services House 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 Financial Services House Insurance than you will anywhere else, and you may even pay less with M&S.

Champagne Oudinot Vintage 2002 - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Big & Tall Single Pleat Trousers, at Marks & Spencers
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

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

Pink Spotty Shoes 40th Birthday Card, at Marks n Spencer
Cover text: Happy 40th birthday Inside message: Hope you have a lovely day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

6 Lilac Hand Finished Floral Multipack of Cards, at M & S
Cover Text: Both designs blank Inside Message: Blank for your own message 6 cards, 2 designs Approx size: 200 x 80 mm

Xenon Collection Wheeled Holdall, at Marks and Spencer
Free 5 year guarantee This smart and convenient holdall is perfect for short trips away. It comes with rollerglide wheels to make it easier to transport

Oscar Wardrobe, Changing Unit, Cot Bed & Open Coil Sprung Mattress Set, at Marks and Spencer
*Save 25% when you buy this set. Individually 859. Save 237. Cannot be used in conjunction with any other offer 4 piece set Wardrobe: Hanging rail, 2 shelves, 1 draw - H180 x W96 x D55cm Changing unit: 4 drawers - H103 x W90 x D55cm Cot Bed: H89 x L147 x W82cm Cot under bed drawer: H12.5 x W132.5 x D65cm Cot converts into a junior bed suitable for children up to age 5 Cot has fixed sides with 3 optional height positions for the base Mattress: Spring count 90 - L140 x W70 x D15cm Mattress has hygienic, moisture-resistant covering and fully conforms to current safety standards All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings 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 manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

7 Pure Cotton Short Sleeve Animal Bodysuits, at Marks and Spencer
Cute and practical, this pack of 7 bodysuits is great value. Popper fastenings and envelope necklines make quick changes easy and the soft cotton fabric will keep them feeling comfy and happy

4 Pairs of Fresh Feet Premium Contrast Heel & Toe Socks, at Marks & Spensers
The innovative Aegis Active Freshness system will keep these socks smelling fresh and odour free and its permanently built into the sock to perform wash after wash. Theyre cotton rich for soft natural comfort and have a reinforced heel and toe for extra durability

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

Older Girls' Polka Dot Sunglasses, at Marks & Spencers
Fashionable and fab, these polka dot sunglasses give 100% UV protection for safer style in the sun

Faux Pearl Knot Clip-On Earrings, at M&S
Faux pearl Knot design Clip-on fastening

2 Pinstripe Non-Padded DD-G T-Shirt Bras, at Marks & Spencer
Providing great value and comfort for everyday wear, these plain and simple non-wired bras combine supportive full cups with convenient easy to care for fabric

Pure Move DAB Digital Radio, at Marks n Spencer
Frequency ranges: DAB Band III 174-240 MHz, FM 87.5-108 MHz Audio power output: 1.8W RMS Input connectors: 5V DC power adaptor socket (230V supplied), 3.5 mm Aux-in, and Mini USB connector for software upgrades Output connectors: 3.5 mm stereo headphone output Controls: Power, Lock, Info, Preset, Navigator, DAB/FM and Menu LCD Display: Orange backlit LCD display with 16x2 characters, function icons (volume, battery life, time, EQ, signal strength, DAB/FM and stereo) and clock. Key-press activated backlight can also be set to 'always on' for optimum visibility or 'always off' for longer battery life Mains power supply: 230V AC to 5V (0.6A) DC external power adapter Battery power supply: ChargePAK-inside Li-ion 4200 mAh rechargeable battery provides over 40 hours of portable DAB listening Aerial: Recessed telescopic aerial supplied. Headphones act as an aerial when connected. (Headphones not supplied.) Text scan: Pause and control scrolling text, giving you time to note down web addresses, competition phone numbers or song titles USB: Add new features as they become available via USB RDS: RDS support for station name display on FM and RDS scrolling text 20 presets: 20 presets (10 DAB and 10 FM) Connection: Connect an iPod/MP3 player or portable CD Dimensions: W15 x H8.5 x D2.7cm Weight: 280g 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

Dualit Vario 2-Slice Toaster - Cream, at Marks & Spenser
1200 watt 2-slice toaster Manually operated eject lever - keeps items warm until needed Selector switch - use only the slots required Adjustable inner wire guard to grip toast Parts are Replaceable/ repairable Mechanical timer to control toasting High lift mechanism to remove small items easily Extra wide 28mm slots to accommodate larger items and the optional sandwich cage Concealed crumb tray Adjustable rear foot Easy to clean stainless steel cover Weight: 3.5kg Designed for use in commercial kitchens Dimensions: H22 x W31 x D21cm 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 , Manufacturer: Marks & Spencer

TomTom One IQ Routes™ Edition Europe Satellite Navigation System, at Marks & Spencer
Maps: Full door to door maps of Western and Central Europe (42 countries) Display: 3.5'' touch screen Safety Camera Database: Comes with fixed safety camera alerts pre-installed, to help you to drive more safely and responsibly Easyport™ Mount: EasyPort™ mount folds neatly onto the back of your device, making the whole navigation package fit into your pocket, bag or glove compartment Latest Map Guarantee: The latest map guarantee keeps you right up to date. If a new version of any map on this device is released within 30 days of your purchase, you can download a new one via TomTom HOME for free TomTom Mapshare™ Technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Updates from TomTom HOME: Get new software and download new maps via TomTom Home site, includes free and subscription services Sound: Loud and clear voice instructions Points of Interest: Pre-installed map has Points of Interest from petrol stations to hotels. Can be updated via TomTom HOME Traffic-Ready: Compatible with TMC Traffic Receivers, so your route can be altered to avoid the traffic ahead Plug & Go: Just plug in and tap the touch screen to begin using the intuitive user friendly interface Advanced lane guidance: Gives you extra clarity when navigating difficult junctions IQ Routes™ technology: Get a faster route to your destination, up to 35% of the time QuickGPSfix™: Get a faster route to your destination, up to 35% of the time Speeding alert: Alerts you that youre speeding, even if you''re not in navigation mode Help Me! menu: You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area Accessories: Comes with USB car charger and USB cable Dimensions: 92 mm x 78 mm x 25 mm Weight: 140 grams Battery: Lithium-Ion (up to 3 hrs autonomous battery life) Memory: 2 GB internal flash memory TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Pure Cotton Oxford Wide Stripe Shirt, at Mark & Spensers
Stylish and innovative, this wide stripe easycare shirt is quick and easy to iron for a smart crisp look

Small Teardrop Gem Photo Frame 10 x 10 cm (4 x 4"), at M+S
Round shape Tear drop gemstone design Aperture: 10 x 15cm (4 x 6in), Manufacturer: Marks & Spencer

Pure Wool Izmir Rug, at M&S
Made from New Zealand wool Traditional pattern Fringed design Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

3 Way Pure Cotton Cover Up Beach Dress, at Marks and Spencers
Elegant and feminine, this strapless cover up beach dress is designed to stay securely in place while you work on your tan. A fabulous fashionable look

Cotton Rich Cropped Trousers, at Marks and Spencers
Fresh and fashionable, these mid calf length trousers look chic with wedges, sandals or flat pumps. The centre pleat adds an extra touch of style

All Over Lace Embroidered Underwired Bra, at Marks and Spencer
A pretty and practical bra for everyday use, adjustable straps and added stretch translate into a comfortably secure fit whilst lace embroidery provides a sophisticated finish

Collezione Leather Basket Weave Moccasins, at Marks & Spencer
Square toe Basket weave design Stitch detail Slip on Block heel

Ceriso Floral Print Padded DD-G Bra with Silk, at Mark's & Spencer
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

Glass Top Digital Food Preparation Scales, at Marks & Spenser
Maximum capacity: 5kg/11lb Modern design Free standing, Manufacturer: Marks & Spencer

AA 1001 Great Family Days Out, at Marks and Spencer
Wherever you are, you'll never be far from an enjoyable day out with this colourful guide to the best of Britain's heritage and attractions. The guide features suggestions for great days out and weekends away all year round. There are 1001 places of interest to choose from stately homes, castles and country potteries, to theme parks and zoos. You can find helpful advice from refreshments to disabled access, parking and access for dogs as well as email and web addresses for ease of booking. Each entry is organised by region and then alphabetically by county

Autograph Essentials Embroidered Highleg Knickers, at Marks and Spencer
Stunningly stylish these flattering briefs feature a feminine embroidered design. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Autograph Essentials V-Neck Jumper with Cashmere, at Marks & Spensers
A touch of cashmere adds luxurious softness to this smart v-neck jumper. Exclusive and beautiful

Cotton Rich Double Button Skinny Jeans, at Marks & Spensers
Long and lean, skinny jeans are an edgy modern style. This stretchy pair sits below the waist and is cut to fit and flatter. Wear with some volume on your top half to balance the shape and give an even leggier look

M&S Gold 3.5mm Phono Cable, at Marks & Spensers
1.5m cable Connects MP3 to hi-fi Gold connectors reduce resistance and improve sound quality This product is not available for international delivery. Find out more 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

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 Marks and 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 Mark's & Spencer, 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 House Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.