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

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks & 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 Marks & Spencers are so useful. Marks & Spencers Money financial products are, of course, designed to make M&S 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 Marks & Spencers 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 Marks & Spencers Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks & Spenser Motor Insurance, Marks & Spencers Money Credit Cards and other financial products, Marks & Spencers Money Buildings Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With Marks & Spencers Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks n Spencer purchases are also protected while you take them home.

Also, on both Marks & Spencers Money Premier Buildings Insurance and Standard Buildings Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Per Una Short Sleeve Top with Spot Scarf, at M&S
A modern short sleeve top featuring a trim neckline. Comes with scarf shown in the photograph

Hamilton Armchair, at M+S
50% reduction on Dakota Leather Espresso applied 21 May - 1 June 2009. 30% reduction on all fabrics applied 9 April - 20 May 2009. Higher prices applied between at least 25 February - 8 April 2009. H95 x W103 x D99cm Seat H49cm, arm H66cm, top back rail 73cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - 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 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 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

Dogtooth Check Jacket, at Marks and Spencer
Smart and stylish, this dogtooth jacket is tailored to fit and flatter. A great choice for work

5 Pairs of Cotton Rich Days of the Week Socks, at Marks and Spencer
Hardwearing and comfortable, these cotton rich socks are an ideal choice for school

2 Button Wide Leg Trousers, at Marks & Spenser
Fluid and feminine, these wide leg trousers are cut to flatter, giving an elegant silhouette. A stylish, fashionable look. Specially designed to fit and flatter your shape

My Fab Friends Activity Book, at Marks & Spencers
Everyone loves having fun with their friends! With colourful friend-filled activities, this book is perfect for fun-loving girls. Plus, it includes fab hair accessories for her and her friends to enjoy

3 Pairs of Wool Blend Easy Grip Socks, at Marks and Spenser
A wool blend makes these socks soft, breathable and absorbent to keep feet warm, dry and comfy

Dualit Vario 2-Slice Toaster - Chrome, at Marks and Spencers
1200 watt 2-slice toaster Mechanical timer to control toasting Manually operated eject lever to keep items warm until needed and extra wide 28mm slots to accommodate larger items and the optional sandwich cage Patented, award-winning ProHeat technology Adjustable inner wire guard to grip toast and high lift mechanism to remove small items easily Easy cleaning with a stainless steel cover Hand-built in England Selector switch - use only the slots required Designed to last - each individual parts is replaceable or repairable Designed for use in commercial kitchens Weight: 3.5kg 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

Square Half Frame Reading Glasses, at Marks and Spenser
Comes in +1.25 to +3.0 strengths Square lenses Half frame Conforms to British Standard BSEN14139:2002

Sleeveless Curve Seam Dress, at Marks and Spencers
Smart and stylish, this sleeveless dress features a chic button detail above the waist. A great choice that will take you from the office to an evening out. Machine washable for convenience

3 Ben 10™ Trunks, at Marks & Spencers
Fans of Ben 10™ will love this pack of 3 cotton rich trunks featuring the popular character. Fun, practical and great value

No VPL Spot Print Shorts, at Marks & Spenser
VPL is a thing of the past! These stretchy shorts are perfectly smooth and give the ultimate no-show look. They don't dig in and there are no irritating labels, so they feel incredibly comfortable to wear

M&S 24 Litre Shredder, at Mark & Spencers
Destroy important personal documentation Shreds credit cards, CDs and DVDs 15 sheet shred capacity Bin full indicator Finger safe system Auto start up Accepts paper clips and staples Reverse option One touch safety cut off Continuous shredding upto 2.5 minutes Easy to set up and operate 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

Old School Sunglasses, at Mark & Spensers
Providing essential protection for the eyes, these stylish and wearable shades will flatter most face shapes

Kitchen Classic Tap, at Marks & Spencer
H35 x W27.5cm Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Mini Limited Pure Cotton 'Wild Life Rocks' Top, at MarksandSpencer
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

M&S Midnight 4-Slice Toaster, at Marks & Spencer
Toast up to 4 slices Variable browning control Defrost, reheat and cancel buttons High lift facility Stainless steel finish H22 x W46 x D21cm 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, Manufacturer: Marks & Spencer

Indian Summer Pure Cotton Oven Mitt, at Marks and Spenser
Hanging loop Stripe design, Manufacturer: Marks & Spencer

Ontario Small Camoflage Holdall, at M+S
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

Autograph Cotton Blend Stripe V-Neck Jumper, at M&S
Fashionable and contemporary, this stripe v-neck jumper is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail makes it exceptionally stylish and comfortable

Nintendo DS Lite™ Console - Pink, at Marks & Spencer
Dual Screens open up new possibilities - use the touch screen as an inventory reference for role-playing games, to view maps for your favourite strategy game, or see racing action from two perspectives at once Navigate menus or access inventory items simply by touching the screen with stylus or fingertip Tough film to protects touchscreen Advanced 3D graphics engine and 16-channel audio, for graphics and Sound that are superior to other portable game systems All-new PictoChat feature allows DS users to write messages with an on-screen Keyboard or the stylus and send them wirelessly Built-in Microphone port for voice control of games, or for voice chat with other DS players Less than two-thirds the size of the original Nintendo DS More than 20 percent lighter than original DS 4 adjustable brightness levels to extend battery life Repositioned microphone and LED lights Stylus has been redesigned- now 1cm longer and 1mm thicker Repositioned start and select buttons 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

Wedding Rings Wedding Card, at Mark & Spensers
Cover text: On Your Wedding Day Inside message: Blank for your own message Approx size: 230 x 114mm

2 Older Girls' Floral Baseball Caps, at Marks and Spencer
Fashionable and fabulous, these baseball caps are a great choice for fun in the sun

Sonoma Kitchen Table & 4 Chairs Set, at Marks & Spencer
Table: H75 x L90 x W90cm Chairs: H86 x W48 x D51cm Table seats 4 people Set of 4 plain leather faced chairs Made from solid oak and oak veneer Finished with a protective low-sheen lacquer for added durability Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself 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

Blue Harbour Luxury Pure Cotton Check Shirt, at M & S
Relaxed and stylish, this long sleeve check shirt is made from pure cotton, so it feels soft and comfortable to wear

M&S Café Torino, at Marks and Spencer
Removable filter with anti-drip Water level increments Makes up to 14 cups Safe thermostat adjustment Stay-warm function Polished stainless steel On/off switch with indication light H37cm 1000 Watt Automatic safety feature to switch off warm plate after over an hour 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

The Floral Collection Lavender Soap, at Marks & Spencers
3 x 75g Lavender scented Added moisturisers

Mother of Pearl Photo Frame 10 x 15cm (4 x 6"), at Marks and Spencers
Mother of pearl border Aperture: 10 x 15cm (6 x 4''), Manufacturer: Marks & Spencer

Nintendo Wii™ Mario Kart Game, at Mark & Spensers
5 different control options: Wii Wheel, Wii Remote turned on side, Wii remote and nunchuck, classic controller and Nintendo Gamecube controller New wheels and courses including motorbikes Play with up to three friends locally or challenge up to 11 friends via Nintendo Wi-Fi Connection Includes Wii Wheel: Transform your Wii Remote in to a steering wheel that feels natural in anyone's hands Visit the Mario Kart Channel on your Wii Menu to check regional and worldwide stats, friend rankings, download ghost data, participate in worldwide Time Trial events and 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 *Must be returned with the tamper seal intact for full refund, Platforms: Nintendo Wii, ESRB Rating: Kids to Adults

Panasonic DMP BD80 Blu-ray Disc™ Player, at Marks&Spencer
Blu-ray Disc™ player PHL Reference Chroma Processor Plus: A high quality image-processing technology developed by Panasonic to precisely process each pixel of the Blu-ray Disc™ video signal in the vertical direction 4:4:4 signal technology: Processes each pixel of the Blu-ray Disc™ video signal in the horizontal direction, to complement vertical direction processing VIERA CAST function: Allows access to YouTube™, Picasa™, and other Internet sites from the special VIERA CAST screen Playback Media: BD-ROM, DVD-ROM, DVD-R, DVD-RW, AVCHD, Audio CD Audio: Dolby Digital Plus, Dolby Digital True-HD Connectivity: USB 2.0, HDMI, SD slot, Composite Video Outputs, Component Video Outputs, HDMI Outputs (Version 1.3), Optical Digital Audio Outputs, Analog Audio Outputs 2-channel Accessories: Remote control Dimensions: 43 x 5.5 x 24.9cm

Shopping for financial products at Marks & Spencers Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spenser online store. Here are just some of the financial products which can be purchased via the Marks & Spencers Money website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings 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 M&S, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencers Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencers Money website.