There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencers Standard Motor Insurance. With M+S 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 M+S 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 Direct, you get more, and you pay less.

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 Mark & 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 & Spencer, through its M+S 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 Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Marks & Spenser may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks and Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M+S Money website. With a simple, no-hassle service, you can compare features between a number of M+S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M+S Money loans, credit cards or Home Insurance - besides a number of other insurance products, M+S Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M+S Money insurance products (Home Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Mark & Spensers insurance products in document format too.

Lace Effect Butterfly Granddaughter Birthday Card, at Marks and Spencer
Cover text: For a Special Granddaughter Inside message: Hope your birthday is as sweet as you are Approx size: 215 x 150 mm

Lichfield Glass Top Side Table, at Marks & Spensers
H59 x W50 x D43cm Sturdy wooden undershelf Made from White Oak solids and veneers Finished with 3 coats of durable, clear lacquer of mid sheen Shelves made from White Oak veneer Side panels are veneered Top panel is veneered with solid oak edging for strength 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 this table as part of a set. Click here to view the Lichfield Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Angel Sleeve Top, at Marks and Spencer
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Quacking Birthday Niece Birthday Card, at Marks & Spencer
Cover text: To a special Niece... Inside message: Have a quacking birthday! Approx size: 150 x 150 mm

2 Autograph Addison Brown Dining Chairs, at Marks and Spencer
H86 x W47 x D51cm Brown luxury Italian leather seats Sold as a pair Made from American Black Walnut solids and veneers, with Beech veneer on unseen faces Finished with 2 coats of durable, clear lacquer of mid sheen Chairs are made from solid wood for strength 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 as part of a set. Click here to view the Addison Collection Set. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph™ Precious Petals Bouquet, at Marks & Spenser
This arrangement of beautiful Esperance roses and white hydrangeas will make an amazing gift that's sure to impress All Autograph™ bouquets are beautifully presented, wrapped by hand and finished with Autograph™ branded frosted cellophane Available for delivery between 1st April to 30th September 2009

2 Fairtrade Organic Cotton Elephant All-in-One Suits with Socks, at M&S
These cute all-in-ones are made from soft, comfy Fairtrade cotton. We buy the cotton at a fair price from small-scale farmers around the world. The extra income raised enables them to invest in their own communities, like providing wells for clean water and improving healthcare facilities

Autograph Flat Front Charcoal Stripe Trousers, at Marks & Spensers
Our Autograph suits are made from finer fabrics with superior attention to detail, giving you the ultimate in sharp, sophisticated style

Valdemadera Grand Reserva 2002 - Case of 12, at M & S
Style: Full bodied Country of origin: Spain Closure: Natural Cork Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

Monkey Rug, at Marks and Spenser
Monkey design Dimension: 68 x 84cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Mosaic Floral Kaftan, at Marks & Spencer
A casual 3/4 sleeve kaftan in pure soft cotton featuring a mosaic floral print and tie bow feature

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

Trailing Leaf Pencil Pleat Curtains, at Marks & Spencer
Leaf print Pencil pleat Comes in three drop lengths: short (137cm/54''), medium (183cm/72''), long (229cm/90'') Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Animal Print Hipster Bikini Bottoms, at Marks & Spencer
Feminine and pretty, this stylish bikini top features a striking animal print. A fabulous fashionable look

Oudinot Brut Champagne, at Marks & Spencer
75cl Oudinot Brut NV Champagne Not available to send separately You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Château Ventenac Élevé en fûts de chêne 2004 - Case of 6, at MarksandSpencer
Style: Full Bodied Grape variety: Syrah, Merlot, Cabernet Country of origin: France Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 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

5 Shrug Style Long Sleeve Plain Bodysuits, at Marks and Spencer
Soft, plain and machine washable, these bodysuits are a perfect buy for your newborn

Play Toaster, at Marks and Spencer
Suitable for ages 3+ years Includes 2 pieces of 'toast' Movable dial and lever Height: 25cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

50/50 Bed Linen - Pillowcase, at Mark's & Spencer
L76 x W48cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Lino Print Panda Age 2 Birthday Card, at Marks & Spencers
Cover text: 2 It's your Birthday Inside message: Happy birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Sunny Town Policemen Set, at Marks and Spencer
2 policemen and police car Promotes imaginative play Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Waterproof Mattress Protector, at Marks and Spencer
Quilted for comfort Completely waterproof, Manufacturer: Marks & Spencer

Blue Harbour Funnel Neck Fleece Jacket, at Marks & Spencer
Relaxed and cosy, this funnel neck fleece jacket makes a warm and comfortable extra layer

Watercolour Flowers Anniversary Card, at Marks & Spensers
Cover text: Happy Anniversary Inside message: With love Approx size: 175 mm x 125 mm

Polka Dot Baby Doll Dress and Bag Birthday Card, at M & S
Cover Text: Birthday Boutique Happy Birthday Inside Message: Blank for your own message Approx size: 210 x 145mm

Fruit Basket, at Marks & Spencers
A seasonal selection of high quality fruit Contents may vary seasonally Presented in a wicker basket lined with fabric Basket dimensions: H110 x W350 x D285mm Price includes delivery Available for delivery from 1st April to 30th June 2009 Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Classic Collection Velour Wedge Slippers, at Mark's & Spencer
Trim detail Velour finish Low wedge heel Floral lining

Fresh Rose Room Spray, at Mark & Spensers
Fresh rose scent This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pure Cotton Long Sleeve Shirt, at Marks&Spencer
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning stripe print

Pure Cotton Spencer Chemise, at Marks and Spenser
Pretty and feminine, this spencer nightdress is made from soft breathable cotton for a comfortable night's sleep

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 Motor 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; Motor Insurance and Home 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 Home 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.