There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencer 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 Mark's & 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 & Spencer Money, you get more, and you pay less.

M+S Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M+S Money Car Insurance is not like that at all, and when you compare M&S Car 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 & Spenser 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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.

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.

Autograph Pure Cotton Belted Straight Leg Jeans, at Marks and Spenser
Fashionable and contemporary, these straight leg jeans are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

High Impact Level 3 Smooth Non-Wired Sports Bra, at Mark's & Spencer
Comfortable and secure, this level 3 sports bra gives firm, gentle support during high impact activity

Bride & Groom Outfits Wedding Card, at Marks and Spenser
Cover text: Bride and Groom Inside message: Congratulations to you both! Approx size: Unfolded: 178 x 126mm

Pure Cotton Long Sleeve Space Dog T-Shirt, at MarksandSpencer
Fun and fashionable, this pure cotton long sleeve dog t-shirt is outstanding value!

Autograph Pure Cotton Stripe Shirt & Tie Set, at Marks n Spencer
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

Lexington Flight Bag, at Mark & Spencers
Whether you're heading to the gym or a quick weekend jaunt away, keep your belongings safe and secure with the zip fastening design of this roomy flight bag

Younger Boys' Pure Cotton Thomas & Friends© Hooded Poncho, at M & S
Fans of Thomas & Friends can dress like their favourite superhero in this fun hooded costume

Cotton Rich Straight Leg Sweat Pants, at Marks & Spensers
Whether you're active or relaxing, do it in style and comfort in these cotton rich sweat pants

Philips CD1553B Cordless Phone with Answering Machine, at Marks & Spenser
50 name and number phonebook 10 minutes recording time Plug and play answering machine 10 call log entries Call waiting, caller ID, conference call, explicit call transfer, microphone mute Tone and pulse dialling Talktime up to 12 hours, standby time up to 150 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

James Morrison - Songs For You, Truths For Me CD, at Marks and Spencer
Audio CD, Marks & Spencer

Poached Dressed Scottish Lochmuir™ Salmon, at Marks & Spencer
Serves 8 Ready to eat 1.1kg As featured on page 24 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

Blue Harbour Pure Cotton V-Neck T-Shirt, at Marks & Spencers
Working well with jeans or joggers, the versatile appeal of this easy to care for pure cotton T-shirt makes it a practical choice for weekend and leisure wear

Olympus FE-35 Digital Camera, at Marks and Spenser
Pixels: 10 Megapixels Zoom: 3x optical zoom, 4x digital zoom Screen: High-definition 2.5-inch LCD monitor with about 230,000 dots Dimensions: W93.8 x D26.7 x H61.5mm Weight: 110g Face Detection: Intelligent Auto Mode detects the five most commonly used scenes and adjusts settings, focus and exposure automatically, Advanced Face Detection of up to 16 persons for perfectly focused and exposed faces,Digital Image Stabilisation for less blur 16 shooting modes (e.g. Night Scene with Portrait and Candle) ensure the camera has the right settings for different situations "One button, one function" design principle and in-camera help guide and for easy operation Movie recording: Movie AVI Motion JPEG up to 640 x 480 (30 fps/15 fps)

Short Angel Sleeve Leaf Print Top, at Marks and Spencer
Pretty and feminine, this short angel sleeve top is made from softly draping stretch viscose for a fluid look. The leaf print adds a fashionable finishing touch.

Barletta Large 2-Seater Sofa, at Marks & Spensers
H85 x W227 x D98cm Seat H48cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that gives long-lasting performance and helps to maintain the cushions look and shape. Provides improved resilience without compromising on softness. Easy-care and springs back to its original shape after re-fluffing 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 feature reversible cushions 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 Solid birch feet with a dark finish Includes 2 free matching bolsters 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

Freshfeet Two Tone Cord Mule Slippers, at Marks & Spenser
Slip-on Two tone cord design Flat sole With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Charles Freminet Brut Champagne NV - Case of 6, at Mark's & Spencer
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% 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

Sicilian Lime & Bergamot Sugar Scrub, at Marks & Spencer
Sicilian lime and bergamot fragrance Body scrub 200ml

Autograph Reversible Leather Belt, at Marks and Spencer
Add a smart finishing touch with this leather belt

Light Up Mirror Compartment, at Marks & Spencers
Prop up compartment Internal double mirror Square shape

Pure Cotton Hooded Waxed Jacket, at Marks & Spenser
Stylish and fashionable, this pure cotton hooded waxed jacket makes a comfortable and practical choice

Woven Silk Plain Tie with Stain Defence™, at Marks and Spenser
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Blue Harbour Pure Cotton Long Sleeve Double Stripe Shirt, at Marks and Spencer
Stylishly smart casual, this double stripe shirt is made from pure cotton so it feels soft and comfortable to wear

Per Una Leather Three Button Pumps, at Marks and Spencer
Round toe Button detail Slip on Flat sole Comes in sizes 3-8, including half sizes

Faux Pearl Clip-On Earrings, at Marks & Spensers
Pearl effect Clip-on fastening Diameter 12mm

Night Light Up Bear, at Marks and Spenser
Suitable for ages 12 months + Heart shape glow design on the tummy with colour changing lights Contains 3 x AA batteries This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Spot Vest Top & Shrug, at Marks & Spencers
This fashionable layered look is a 2 piece set - a long sleeve spot vest top and shrug both in soft comfortable pure cotton. Stylish, practical and easycare

Collezione Single Breasted 3 Button Stripe Jacket, at Marks & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Halterneck 3 Ring Tankini Top, at Marks and Spencers
Feminine and glamorous, this fashionable tankini top features a centre ring detail. A fabulous fashionable look

Padded Plunge T-Shirt Bra, at Marks & Spenser
Soft and comfortable, this plunge t-shirt bra is outstanding value

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 and Spencer are so useful. M+S Money financial products are, of course, designed to make Marks & 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.