There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spencer Standard Motor Insurance. With Marks & Spencer Money 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 Marks & Spencer Money, which also has other features.

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

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

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Motor Insurance is not like that at all, and when you compare M&S Motor 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 and Spencer 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor 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 Motor 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 Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Enamel Diamanté Photo Frame 10 x 15cm (4 x 6"), at Marks and Spenser
Enamelled design Diamant detail Metallic trim Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Cotton Rich Velour Stripe Hooded Jacket, at Marks and Spencer
Soft and comfy, this hooded jacket is made from velour and features stripe design. An easycare essential with a stylish look.

Perfect Sleeveless Belted Seam Dress, at Marks and Spencer
Power dressing for the Noughties...this seam detail jacket and belted dress will have you feeling razor sharp

Horses & Ponies Sticker Activity Book, at Mark & Spencers
Have fun completing this colourful, action-packed sticker book with more than 70 stickers. See who's winning prizes at the gymkhana, make sure the horses are well cared for and join the horse and pony race

Shell Bloom Necklace, at Marks & Spencer
Clasp fastening Adjustable length Fabric strap Shell flower with turquoise gemstone centre Necklace lengths: 41cm, extendable by 5cm

Leather Tassel Purse, at M&S
This stylish purse is made from real leather with reinforced stitching. A high quality and chic essential

Autograph Single Breasted 3 Button Jacket with Wool, at Marks & Spencers
Luxurious and elegant, this smartly tailored jacket is part of our exclusive Autograph range

Racing Car Age 4 Birthday Card, at M & S
Cover text: A 'fab' 4 today! Inside message: You're a real champion! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 127mm

Big & Tall Blue Harbour Stormwear™ Straight Leg Jeans, at Marks & Spensers
The perfect jeans for the casual outdoorsman, these smart looking straight legs feature a unique stormwear finish that repels water in order to keep you comfortable and dry

Ceriso Embroidered Thong, at Marks and Spencers
Flirty and feminine, this modern thong features intricate embroidery. The low rise style gives a flattering, shapely fit, perfect for wearing with hipsters. Designed for women who want the latest look

Autograph Essentials Wool Blend Bootleg Trousers, at Marks & Spenser
Fashionable and fabulous, bootcuts flatter curves and make legs look longer. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Portfolio Pure Linen Straight Leg Trousers, at Marks and Spenser
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

Gemma Embroidered Linen Bedcover, at Marks & Spensers
Embroidered design L250 x W265cm, Manufacturer: Marks & Spencer

Ontario Small Camoflage Holdall, at Mark & Spencers
There'll be no things that go bump in the night with this easy to transport holdall. Supported by sturdy wheels and a stand-alone feature, it's the ideal option for short trips or flying abroad

Royal Horticultural Society Pink Watercolour Roses Blank Card, at Marks & Spensers
Cover text: Pretty Pink Roses Inside message: Blank for your own message Approx. size: 150 x 150mm About the RHS: The RHS is dedicated to advancing horticulture and helping all gardeners. An interest in gardening is all you need to enjoy being a member of the RHS. For more information call 0845 130 464, or visit www.rhs.org.uk

4 Pairs of Autograph Cotton Rich Multi Stripe Socks, at Marks & Spenser
Modern and fashionable, these multi stripe socks are part of our exclusive Autograph collection

Large Chunky Speckle Bangle, at M&S
Chunky design Speckle feature

Jumbled Numerals Wall Clock, at Mark's & Spencer
Round face Jumbled numerals Metal case H30 x W30 x D5cm Weight: 0.75kgs 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

Adjustable Task Collection - Table Lamp with Green Shade, at Marks and Spencer
Antique-effect brass finish Adjustable height Conical shade, Manufacturer: Marks & Spencer

Silver Plated Air Sign Charm Bracelet, at Marks & Spencer
Silver plated beads Air sign charm This product is not available for international delivery. Find out more

Black & Decker® PV1205BN Dustbuster® Pivot® Vac, at M & S
12V power for maximum cleaning performance and efficiency - ideal for the more demanding clean-up tasks Pivoting nose enables easy cleaning of areas difficult to reach with conventional hand vacs The pivoting nose has 10 settings for maximum flexibility to clean in hard to reach areas such as underneath cupboards, or on shelves overhead Cyclonic action spins dirt away from the filter maintaining optimum suction power Double action filtration means product performs better and lasts longer Filter cleaning wheel for easy and hands free cleaning of the filter The side empty door is an easy to empty system which means all the dirt goes straight in the bin - hands dont touch the dirt! Built-in extendable crevice tool enables deep cleaning of confined spaces/small areas Innovative design is unique and stylish Accessories are stored on board, always at hand for your cleaning jobs Ergonomic design for comfortable use 2 speed switch for increased power control This product is not available for international delivery. Find out more

5 Sleeveless Plain Bodysuits, at MarksandSpencer
Soft, plain and machine washable, these bodysuits are a perfect buy for your newborn

Tiga Media Unit, at Marks n Spencer
H35 x W120 x D47cm Equipment space: H13 x W49 x D47.5cm Made from sheesam wood Finished with a protective matt lacquer for added durability 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Handcrafted Scruffy Dogs Husband Valentine Card, at Marks & Spencer
Cover text: To a special Husband... ... on Valentine's Day Inside Message: With lots of love xx Approx size: 150 x 150mm

In Bloom Lime Blossom & Bergamot Foaming Bath Elixir, at Marks & Spenser
Lime and bergamot fragrance Moisture Rich 200 ml This product is not available for international delivery. Find out more

Blue Harbour Cotton Rich Check Swim Shorts, at Marks & Spensers
A great value pair of shorts offering a secure fit, while the check design is perfect for that relaxing walk on the beach

Girls' Limited Plain Leggings, at Marks and Spenser
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

6 Assorted Mini Heart Hair Bands, at Marks and Spencer
Tie back those tresses in style with these cute mini heart hair bands with a selection of 6 different colours

Footglove™ Widefit Heeled Moccasin, at Marks and Spencer
Round toe Stitch detail Mid heel Footglove™ soles are comfortable, highly flexible and lightweight

Single Pleat Straight Leg Trousers with Wool, at Marks & Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried

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 Marks & Spencers, through its Marks & Spencer Money 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.