There are lots of ways to save money using M&S Money. Not least of these is M & S 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 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 Car Insurance from M&S Money Direct, you get more, and you pay less.

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

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

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

125 Years Pure Cotton Long Sleeve Marl Stripe Shirt, at Marks & Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Pure Cotton Contrast Stitch Jeans, at Marks & Spencers
Fun and fashionable, these easycare pure cotton jeans are outstanding value

Big & Tall Flat Front Wool Blend Trousers, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. Perfectly proportioned for big and tall men

M&S Trio DECT Cordless Phones with Large Buttons, at Marks & Spencer
DECT - Digitally enhanced cordless phones provide crystal clear sound quality, increased talk time and range coupled with increased security Talk time - up to 10 hours with 100 hours standby Speakerphone - talk hands-free Large display, big buttons and ultra-slim profile HD Sound - High Definition communication Large, white backlit inverse display Stores 100 names and numbers Up to 10 hours with 100 hours standby 5 polyphonic ringer melodies and 5 standard ringer melodies Built-in digital answering machine with up to 15 minutes recording time Access the answering machine on the base Message counter display on base 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

M&S Ruby & Midnight 2 Slice Toaster - Black, at Marks & Spencers
Polished black and stainless steel finish 7 browning levels Defrost and reheat setting Cancel setting Removable crumb tray for simple cleaning Anti-slip base 2 year guarantee

Per Una Short Sleeve Stripe Frill Top, at Marks and Spencers
A casual short sleeve top featuring a stripe sleeve and v-neck design

I Love Sugar Recipe Book, at Mark's & Spencer
Over 100 easy-to-follow recipes for all manner of sweet treats. Each illustrated with a beautiful colour photograph of the finished dish. Handy square format

Autograph Pure Cotton Wrap All-In-One, at Mark & Spensers
Cute and practical, this all-in-one suit features bold spot design. The soft cotton fabric will keep her comfy and the button fastenings are great for fuss-free changes. With luxury in every detail, this is part of our exclusive Autograph collection

Per Una Short Sleeve Sunset Stripe Blouse, at Marks and Spencer
A colourful short sleeve blouse in textured fabric featuring a bold sunset stripe print

Collezione Italian Pure Silk Kennedy Stripe Tie, at M&S
Stylish and luxurious, this pure silk tie is part of Collezione, a sophisticated menswear collection inspired by Italian tailoring

Per Una Roma Cotton Rich Soft Bootleg Trousers, at Marks & Spensers
A fashionable bootleg pair of trousers featuring a button and zip fastening

Pure Cotton Short Sleeve Thomas & Friends© T-Shirt, at MarksandSpencer
Fans of Thomas & Friends will love this cotton t-shirt featuring Thomas. A practical, easycare style

Girls Limited Long Sleeve Hooded Fleece, at M&S
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

Pure Linen Ladder Detail Camisole, at Mark & Spencers
This fab sleeveless top features a pretty crochet ladder design. A fresh new look, perfect for this season

British Heritage Leather Wetherby Brogues, at Marks & Spencer
Enjoy the best of Britain with our British Heritage range. Handcrafted in England, these timeless shoes use the finest calf leather and traditional Goodyear Welted Construction. They also include a leather insole and cork filler which moulds to your feet for superb comfort and fit

Linen Blend Embroidered Diamond Skirt, at Marks and Spencer
Pretty and feminine, this linen blend skirt is a look you'll love. A classic style essential

Blue Harbour Ultimate Linen Roll Up Sleeve Shirt, at Marks and Spencers
This Ultimate Linen shirt has a unique added performance that helps keep you cool, dry and fresh by drawing moisture away from the skin and reducing odour, while also helping your linen to stay smart throughout the day. It's also easy to iron, so looking your best is now easier than ever

XBOX 360® Transformers: The Game™, at Marks and Spencers
For head-to-head battles, fans engage in melee combat that reflects each Transformer robot's character, scale, weight and power Not available for online play Parental guidance rating 2007 Hasbro 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, Platforms: Xbox 360, ESRB Rating: Kids to Adults

The Floral Collection Soap Gift Set, at Marks & Spencers
Pack of 4 Magnolia Soap:75g Rose Soap: 75g Lavender Soap: 75g Iris Soap: 75g

Blue Harbour Short Sleeve Check Shirt, at M&S
Stylishly smart casual, this comfortable check shirt looks great dressed up or down

Blue Harbour Luxury Pure Cotton Short Sleeve Marl Stripe Polo Shirt, at Marks and Spencers
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Drop-Waist Easycare Pleated Skirt, at Marks n Spencer
Earning top marks for its drop waist and smart pleats, this skirt is outstanding value, crease resistant and easycare too

Value Machine Washable Bow Tie, at Marks & Spensers
A machine washable fabric and ready to wear bow tie provides hassle free convenience

T397799, at Mark's & Spencer
Manufacturer: Marks & Spencer

Autograph Multi Bead Stretch Bracelet, at M & S
Multi bead design Stretch style

Sennen 12-Piece Dinner Set - Blue, at Mark's & Spencer
12-piece set Includes 4 dinner plates, 4 side plates and 4 bowls Dinner plate: Diam 28cm Side plate: Diam 21cm Bowl: Diam 14cm Suitable for everyday use, Manufacturer: Marks & Spencer

Girls' Limited Pure Cotton Mock Layer Dress with Belt, at Mark's & Spencer
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

Woven Flap Purse, at Marks and Spencers
Fashionable and practical, this purse is a useful accessory with bags of style!

Perfect Bottom Lift Knickers, at Marks & Spencer
Give your bum a boost with these light control shaping knickers - perfect for when you need a little lift!

Pinot Grigio Trentino 2008 - Case of 12, at M&S
Grape variety: 100% Pinot Grigio Country of origin: Italy Closure: Screw cap Suitable for vegetarians and vegans 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

Besides Marks & Spensers Car Insurance, M&S Money Credit Cards and other financial products, M&S Money Household 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 M&S 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 & Spencer purchases are also protected while you take them home.

Also, on both M&S Money Premier Household Insurance and Standard Household 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.