There are lots of ways to save money using Marks & Spencers Money. Not least of these is Marks&Spencer 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 and Spencer, 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 Finance, you get more, and you pay less.

Besides Mark's & Spencer 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 and 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.

Marks & Spencers 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 Buildings 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 Buildings 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, Marks & Spencers Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Frill Crook Umbrella, at Marks and Spencers
Brighten up rainy days with this stylish lightweight umbrella

Pearl Effect Multi Strand Necklace, at Marks and Spencers
Pearl effect beads Diamant detail Multi strand design

Limited Collection Pindot Balcony Bra, at Marks and Spenser
Fun and fabulous, this cotton blend bra is part of our Limited Collection lingerie. The balcony shape gives maximum uplift for a flattering look, and the smooth cups won't give you visible lines under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pure Cotton Penguin All In One & Hat Set, at Marks and Spenser
Cute and practical, this 2 piece suit features penguin design. The soft cotton fabric will keep her comfy

Happy Birthday Brother Card, at Mark's & Spencer
Cover text reads: Happy birthday brother Inside message: Have a fantastic day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 230 x 114mm

Police Vehicles Set, at Marks & Spencer
Suitable for ages 3-6 years 5 police vehicles Die cast police car, van, 4x4 vehicles and a helicopter Imaginative play This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

1.7L Cordless Midnight Kettle, at Marks & Spencer
1.7 litre capacity 2500 - 3000W Polished black and stainless steel finish 360 degree rotating base with cord storage Water window and contrasting on/off switch Concealed element for fast boiling and easy cleaning Comfortable black grip handle Anti-slip base 2 year guarantee, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Stripe Top, at Marks and Spencer
This fashionable top features a stylish button detail cuff for a fab contemporary look

M&S 2400W Autoclean Steam Iron, at Marks & Spencer
Manufacturer: Marks & Spencer

4 Disney Princess Books, at Marks & Spencer
These enchanting Disney Princess board books bring all the magic of the classic Princess stories to young children. Including interactive questions about the story and beautiful illustrations, these books are sure to become favourites for parents and children alike.

Petite Autograph Essentials Funnel Neck Coat, at Mark & Spensers
Modern and stylish, this funnel neck coat is beautifully designed for a flattering, sophisticated look. Specially designed and perfectly proportioned for the petite frame.

Per Una Dip Dye A-Line Skirt, at Marks & Spencer
A colourful A-line skirt in a soft cotton blend featuring dip dye design

Domaine de Fontsèque Corbières 2006 - Case of 6, at M+S
Style: Full bodied Grape variety: Mixed Red Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Uco Valley Pinot Grigio 2008 - Case of 12, at Marks and Spenser
Style: Dry Grape variety: Pinot Grigio Country of origin: Argentina Closure: Natural cork Suitable for vegetarians 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

Autograph Leather Twin Riptape Strap Shoes, at Marks & Spencer
Square toe Stitch detail Twin riptape straps Flat sole Comes in sizes 1-7

2 Pairs of 15 Denier Shine Bodyshaper Tights, at Marks and Spencer
Bodyshaper tights are made to shape and lift your curves for a firm sculpted look. Added stretch moulds your figure for a more defined silhouette

Pure Chronos II DAB Radio Alarm Clock, at Marks and Spencer
10 DAB and FM presets Automatically sets clock Scrolling LCD text display and dimmer FFSTN display for increased contrast Large digital snooze button Adjustable sleep timer 4 independent DAB, FM or tone alarm options 35mm headphone socket Dimensions: H6 x W19 x D17cm 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

Artificial Orchid Spray in Ceramic Bowl, at Mark & Spensers
Artificial orchid Ceramic bowl H75cm, Manufacturer: Marks & Spencer

Older Boys' Pure Cotton Outback Hat, at Marks and Spencers
Sun protection gets stylish with this outback style hat

Silver Finish Wood Photo Frame 20 x 25cm (8 x 10"), at Marks & Spenser
Rectangle shape Pine wood border Silver finish Aperture: 20 x 25cm (8 x 10") Dimensions: H30.5 x W38.1 x D2.7cm, Manufacturer: Marks & Spencer

Uva Mira Sauvignon Blanc 2008 - Case of 6, at Mark's & Spencer
Style: Dry Grape variety: 100% Sauvignon Blanc Country of origin: South Africa Closure: Screw cap Suitable for Vegetarians and Vegans Bottle: 6 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

Limited Collection Cotton Rich Spot Vest & Shorts Set, at Marks & Spencer
Fabulous and modern, this vest and shorts set is part of our Limited Collection lingerie. They're made from soft stretch cotton and designed to fit and flatter. Casual, contemporary fashion

Autograph Pure Cotton Percale Duvet Cover, at MarksandSpencer
Contrast stitch detail Plain 400 thread count - thread count refers to the number of threads, both vertical and horizontal, in a one-inch square of fabric 100% cotton percale - a medium weight fabric in thread counts of 200 and above, Percale is tighter than standard weave fabrics making it feel luxurious and smooth. It also washes very well. Supima Cotton - superior strength cotton with improved durability and increased lifespan. Because of the fineness of Supima cotton, more fibers can be spun into a yarn of a given count, which enhances the feel, softness, drapeability and brilliance of colour. Think climate! This can be washed effectively at 30C, find out more , Manufacturer: Marks & Spencer

Maximum Support Sheer Bra, at Marks and Spencer
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

Acapulco Ring, at Marks and Spencers
Chunky design Sun detail

Angel Sleeve Tie Front Cardigan, at Marks & Spencer
Modern and stylish, this cardigan features a tie fastening. A great work-to-evening style

Penny Sweet Drop Earrings, at Mark's & Spencer
3 bead drop Hook fastening Drop style

Twinkle Jet Trio Stud Earring Set, at M+S
3 pairs Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Satin Spot Print Shirt with Belt, at M & S
This fab short sleeve shirt features a stunning spot and empire line design. A sophisticated new look, perfect for this season

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

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 M+S 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.