There are lots of ways to save money using M&S Money Direct. Not least of these is Marks & Spenser Standard Car Insurance. With M&S Money Direct 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 Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M&S, 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 M&S Financial Services, you get more, and you pay less.

When you're shopping at Marks and Spenser 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 Direct. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at Marks&Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. 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 Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct 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."

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 M & S 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 and Spenser, through its M&S Money Direct website, offer a range of financial products which would not look out of place in many banks, including M&S Car 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.

Per Una Lip Colour, at Marks & Spencer
Moisturising Hypoallergenic

Ultimate Non-Iron Pure Cotton Long Sleeve Shirt, at Marks & Spensers
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

2 Younger Boys' Pure Cotton Pull On Hats, at Marks and Spencer
Add a stylish finish with these pull on cotton hats

5 Cotton Rich Spot Print Bikini Knickers, at Marks & Spencer
These spot print cotton rich bikinis are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Exfoliating Facial Cloth, at Marks and Spencer
Helps promote healthy, glowing and radiant skin High absorbancy Hypoallergenic

40 Denier Silky Soft Tights, at Mark & Spensers
Complete with a reinforced toe and added stretch for lasting comfort and durability, these opaque tights are the perfect choice for giving your legs a wonderfully attractive sheen

Girls' Fashion Schoolwear - Stain Defence™ Non-Iron Embroidered Skirt, at Marks and Spencer
This innovative non-iron skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit for longer

2 Medium Impact Non-Wired Sports Bra, at Mark's & Spencer
Comfortable and secure, these medium impact sports bras give firm, gentle support for active wear

Autograph Pure Cotton Diagonal Dress, at Marks and 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

Ceriso Spot Print Frill Trim Shorts, at M & S
Glamorous and flirty, these modern shorts feature a spot print and frill trim. The low rise, low leg style gives a flattering, shapely fit. Designed for women who want the latest look

3 Pairs of Cotton Rich Argyle Socks, at Marks & Spencer
These classic cotton rich socks are soft, breathable and comfortable. Added stretch gives a great fit

High School Musical 2 DVD, at M&S
Rating Universal, suitable for all,

Autograph Wool Rich Funnel Neck Coat, at Marks n Spencer
Beautifully designed and finished, the classic funnel neck trench coat is given a modern update with contemporary styling

Classic Collection Floral Print Nightdress, at Marks and Spencer
Fresh and feminine, this nightdress is made from a soft cotton blend so it feels comfortable to sleep in. The floral print adds a pretty touch

Limited Collection Crop Leather Jacket, at Marks and Spencer
The ultimate in style and quality, this trend-conscious cropped jacket is made from luxurious soft leather

Perfect Autograph Silk Rich Pleated Thong, at Marks and Spencer
Glamorous and sophisticated, this figure-hugging string is made from a luxurious silk mix fabric and finished with scallop trim. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Linen Blend Flat Front Lightweight Trousers, at Marks & Spencer
Fashionable and smart, these lightweight flat front trousers are the perfect choice for warmer weather

Pure Cotton Varied Stripe Polo Shirt, at M&S
A stylish smart-casual look, this short sleeve polo shirt in soft cotton features varied stripe design. Practical, comfortable and easycare

Perfect Long Sleeve V-Neck Boyfriend Jumper, at Mark's & Spencer
You love the boyfriend cardi...now here's the boyfriend jumper, in a lovely long line that suits all ages. If you're feeling bold, wear it just with tights!

Three Bean Salad, at Marks and Spenser
Serves 8 Ready to eat Suitable for vegetarians 800g As featured on page 29 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

Cut About Stripe Long Length Skirt, at Marks & Spencer
Elegant and feminine, this A line skirt features a cut about stripe print and panel design. Stylish, practical and fashionable

Larson Chair, at Marks and Spencer
H90 x W67 x D87cm Seat H43cm, arm H64cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Back cushions made from fixed foam 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 medium 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

Whole Lightly Smoked Stuffed Scottish Lochmuir™ Salmon Side, at M&S
Serves 4-6 Ready to cook Suitable for freezing 1.2kg As featured on page 39 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

Modern Glass Wall Clock, at Marks and Spencer
Glass design Metallic hands Circle shape Diam: 30cm, Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Front Frill Stripe Top, at M&S
A modern 3/4 sleeve top in soft fabric featuring a front frill detail and button placket

Per Una Pure Cotton Velour Jacket, at Marks & Spencers
A fashionable long sleeve jacket in pure soft cotton featuring a notch lapel and stitch detail

Cotton Rich Skinny Jeans, at Marks and Spencers
These skinny jeans in cotton blend are great value. A practical, easycare style.

Watermelon Pot Pourri Bag, at Marks n Spencer
Watermelon scented assortment, Manufacturer: Marks & Spencer

Gold Label Cabernet Sauvignon 2008 - Case of 12, at Marks & Spencers
Style: Dry, medium bodied Grape variety: Cabernet Sauvignon Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12.5% vol. Alcohol units per bottle: 9.4 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

2 Compton Leather Chairs, at Marks and Spencer
H103 x W45 x D50cm Leather seat pad Sold as a pair Made from solid oak and oak veneer Hand distressed, with the distressing aged with dark patina Mid-brown stained finish, followed by 2 coats of durable, clear lacquer of low sheen Solid hardwood legs 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 manufacturers instructions, and be aware that polishes can add sheen. SAVE ON SETS Save at least 25% when you buy these chairs with antiqued-leather chairs as part of a set. Click here to view the Compton Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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