There are lots of ways to save money using M+S Money. Not least of these is Marks and 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 MarksandSpencer, 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 Marks & Spencers 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's & Spencer are so useful. M+S Money financial products are, of course, designed to make Marks and Spencers 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 M+S 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 M+S Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencers online store. Here are just some of the financial products which can be purchased via the M+S 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 Marks & Spenser, it's easy to see that these are good financial products, at value-for-money prices.

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

Spot Print Tankini, at Marks & Spencer
Modern and stylish, this comfortable tankini is sure to make a splash!

Gold Plated Trio Crystal Stud Set, at Marks & Spenser
Set of 3 Butterfly fastening Diamant detail

Autograph Manor Damask Cushion, at M & S
Square shape Damask design L56 x W56cm, Manufacturer: Marks & Spencer

RealCool Cotton™ Performance Vest, at Mark & Spencers
As worn by GB Olympic pentathletes. Ideal for active wear, this RealCool Cotton™ Performance top is made from high-performance breathable fabric and is designed with stretch for great fit and movement

Padded Walking Boot Socks with Silver Technology, at MarksandSpencer
These comfortable cushioned walking socks are specially designed to prevent blistering and protect feet from impact

Pure Cotton 3/4 Sleeve Stripe Top, at Mark's & Spencer
Smart and stylish, this scoop neck top is made from cool comfortable cotton and features a button detail

Cotton Rich Chunky Zip Fastening Cardigan, at Marks & Spenser
Contemporary and casual, this long sleeve cardigan is made with cool comfortable cotton and features a zip fastening for a fashionable look

Pixel Detail Sunglasses, at Marks n Spencer
These elegantly understated sunglasses will never go out of style. A fabulously versatile summer essential

Humax PVR-9300T500 Digital Television Recorder with 500Gb HDD & Twin Tuner, at Marks & Spenser
Digital terrestrial set top box 500Gb DTR (Digital Television Recorder) Up to 300 hours tape-less recording and playback Twin Digital Tuner, can record 2 channels whilst viewing a third Pause live TV and rewind live TV One touch recording from 8 day programme guide Dolby 5.1 optical output Automatic software update, to ensure the latest digital features are available Records subtitles with the ability to view or hide them during playback Auto-padding ensures you never miss the beginning and end of a programme Chase play enables you to watch a programme from the beginning whilst still recording the end Common interface slot for Pay TV (requires separate CAM (not supplied)) HD Upscaling with HDMI Dimensions: H5 x W36 x D24.5cm Weight: 2.9Kg NOTE: This unit only records Freeview, not SKY or cable

Holographic Small Spots Roll Wrap, at Marks and Spencers
1 roll wrap Approx size: 150 x 70cm

Nudes Plain Underwired Bra, at Mark & Spensers
Every woman needs underwear that looks invisible under clothing. Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

Castillo del Moro Airen Sauvingon Blanc 2008 - Case of 12, at Marks & Spencers
Style: Dry Grape variety: 85% Airen and 15% Sauvignon Blanc Country of origin: Spain Closure: Screw cap Alcohol by volume: 11% vol. Alcohol units per bottle: 8.3 Alcohol units per 125ml: 1.4 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Pure Cotton Single Breasted 2 Button Jacket, at Marks & Spensers
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Girls' Fashion Schoolwear - 2 Pure Cotton Short Puff Sleeve Blouses, at Marks and Spenser
This 2-pack of short puff sleeve blouses makes a practical and fashionable choice for school. Hardwearing and easycare

Triple Ridge Hoop Earrings, at Marks & Spencer
Triple ridge detail Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Sony RDR-HXD995 250GB HDD DVD Recorder & Set Top Box, at Mark's & Spencer
250GB capacity for a max recording of 710 hours onto the Hard Disk Drive Integrated Digital and Analogue Tuner BRAVIA Sync HDMI output with 1080p upscaling USB Port for Digital Camera USB Port for PictBridge Printer Electronic Programme Guide (8 Day on digital) i.LINK (DV) input for Camcorder Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band Aerial. Suitable portable TV Aerials can be used to receive freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product 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

Blue Harbour Luxury Herringbone Jeans, at Marks and Spencers
These luxury jeans have a crease resist and anti-fade finish so even the darker colours stay true for longer. With added comfort stretch you will stay smart and comfortable all day long

Philips 32FL8404 32" HD Ready Digital LCD TV, at Marks and Spencer
Display: 100Hz Clear LCD, 3ms response time: superb motion sharpness for clear images even with fast on-screen motion HD Ready: HD Natural Motion eliminates juddering effects in movies Online services: Net TV for popular online services on your TV YouTube: Enjoy YouTube and national TV programs on demand PC connectivity: PC network link (DLNA) lets you watch videos, view pictures and listen to music from your PC Audio: 2 x 10W clear and bright integrated sound Integrated Digital Tuner: Digital TV tuner & CI+ for cable and terrestrial digital TV Sharp picture: Fastest LCD TV in its class for extremely fluent and sharp pictures Net TV: Connect to and enjoy the online world with Net TV services Ambilight Spectra for an immersive viewing experience 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

Fitou 2007 - Case of 12, at Mark & Spencers
Style: Full bodied Grape variety: Carignan, Grenache Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Ashbourne Armchair AU09 Newness, at M&S
Manufacturer: Marks & Spencer

Interlocking Oval Drop Earrings, at Marks & Spencers
Interlocking oval design Drop style Butterfly fastening Gold plated For hygiene reasons, refunds will only be given in accordance with your legal rights

Golf Keyring, at M&S
You'll never lose your keys again with this eye-catching keyring and it's golf design

Zip & Button Cropped Trousers, at M&S
A stylish summer staple at home or on holiday. Just add a t-shirt and flip flops

Pure Cotton Long Sleeve Floral Print Top, at MarksandSpencer
This fashionable top features a floral print detail for a fabulous contemporary look

Samsung 40'' LE40A558 HD Ready LCD TV, at M&S
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch Widescreen LCD TV with a 1920 x 1080 resolution Contrast Ratios: Dynamic Contrast 30000:1 Integrated Digital and Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: W997 x D300 x H686mm (with stand) W99.7 x D92.1 x H641.5mm (without stand) Weight: 19.3kg (with stand) 16.4kg (without) SRS TruSurround XT: For enhanced surround sound effect Connectors: 1 x Headphone, 1 x S-Video, 1 x Composite(AV), 3 x HDMI, 1 x RF Input, 1 x Component(Y/Pb/Pr), 2 x Scart, 1 x PC Input (D-Sub), 1 x Optical sound out, 1 x RS232C (for Service only) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel: Prevents glare to keep images clean and clear Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control 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 Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mountT042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Hastings Bedstead, at Mark's & Spencer
Headboard: H122cm Endboard: H73cm Underbed: H26cm Single: L206 x W105cm Double: L206 x W152cm King Size (5ft): L216 x W167cm Matress sold seperately Crafted predominantly from solid pine and fibreboard Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturer's instructions, and be aware that polishes can add sheen., Manufacturer: Marks & Spencer

The Floral Collection Magnolia Anti-Perspirant Roll-On, at Marks and Spencers
50ml Magnolia fragrance Roll-on Alcohol free

Coin Detail Straw Holiday Bag, at MarksandSpencer
Stylish and useful, this shopping bag features a straw design. A practical and fashionable accessory

Autograph Chocolate Tile Bedcover, at M+S
Quilted tile design, Manufacturer: Marks & Spencer

Spot Print Tankini, at Marks & Spenser
Modern and stylish, this comfortable tankini is sure to make a splash!

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 & 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 Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.