There are lots of ways to save money using M&S Financial Services. Not least of these is Marks and Spencer Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M & S, 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 Financial Services, you get more, and you pay less.

Besides Mark's & Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 & Spencers purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.

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. M&S Financial Services 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, 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 Financial Services 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 Financial Services Household Insurance than you will anywhere else, and you may even pay less with M&S.

Oudinot Champagnes - Case of 6, at Marks & Spencer
3 Oudinot Brut Champagne NV: A dry and elegant champagne with a crisp mousse and fresh lemon fruit... 3 Oudinot Ros Brut Champagne NV : A lively, luxurious ros Champagne with ripe strawberry fruit, a hint of cream and a crisp, dry aftertaste... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Philips QG3190 Grooming Kit, at Mark's & Spencer
9 attachments for unlimited style options Storage stand Full size trimmer blade Mini shaver 9 position hair clipper comb 9 position beard and moustache comb Nose and ear trimmer Precision trimmer Fine detailing blade 4 position eyebrow comb Rechargeable cordless operation Maintenance free - No oil needed

Girlie Dress Up Compendium, at M+S
1 carry case 18 felt pens 18 coloured pencils 2 pencils Eraser Pencil sharpener Ruler Protractor 45 degree set square 60 degree set square

Blue Harbour Suede Trim Cardigan, at Mark & Spensers
An extremely comfortable cardigan. It's made with extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Autograph Puccini Bench Seat Pad, at M & S
Plain seat pad Suitable for indoor and all-weather outdoor use Both seat pad and bench are pictured. Bench sold separately This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3 Pairs of Textured Microfibre Socks, at M & S
These soft rib trim socks have added stretch for comfort and durability so they'll last wear after wear

Blue Harbour Stormwear™ Reversible Jacket, at Marks and Spenser
Stylish and contemporary, this jacket is treated with Stormwear™ technology, a breathable finish that repels water and stains

Elephants Sparkle in My Life Anniversary Card, at Marks & Spencer
Cover text: You're the sparkle in my life Inside message: Happy Anniversary Approx size: 175 mm x 125 mm

Sony Memory Stick PRO Duo 16GB, at M & S
Optimum for storing, sharing and transferring thousands of high quality pictures, videos and music Memory: Flash Memory Storage Capacity: 16GB Dimensions: 20 x 31 x 1.6mm Weight: 2g Operating Voltage: 2.7 V - 3.6 V Environmental temperature: -25C to 85C Minimum write speed: 15 Mbps(1875MB/sec) Free to Download, the Memory Stick Data Rescue Service enables quick recovery of deleted photographs and files(www.sonydigital-link.com/memstick/) Warranty: 5 years Delivered with a standard size adaptor Ideal for high resolution video recording Compatible with all Sony Cyber-shot, Handycam, VAIO, PSP & Alpha released after 2007 Compatible with copyright protection technology ("MagicGate")

Cashmilon™ Foil Print Tasselled Scarf, at M & S
Keep warm, cosy and stylish in this fashionable foil print tasselled scarf made from supersoft cashmilon™

2 Pure Cotton Thomas & Friends© Mock Layer T-Shirts, at M & S
Fans of Thomas & Friends will love these mock layered t-shirts featuring Thomas. A practical, easycare style

Perfect Autograph Weekend Satin Honeycomb Print Pyjama Bottoms, at Marks & Spencer
Loungewear goes glamorous with these gorgeous pieces in slinky satin and soft modal. Who needs to get dressed, anyway ?

Bob The Builder: Sing-Along Song Book, at Marks & Spencer
Children will love pressing the button and singing along to Bob The Builder with this illustrated song book

Per Una Wide Leg Centre Crease Trousers, at Marks and Spencer
A smart pair of wide leg trousers in stretch cotton featuring a centre crease

Blue Harbour Pure Cotton Short Sleeve T-Shirt, at M & S
Casual and relaxed, this short sleeve t-shirt is made from pure cotton so it's soft, breathable and comfortable to wear

Floral Embroidered Hat & Mitts, at Marks and Spenser
Keep little heads and hands warm with this embroidered hat and mittens set in soft comfy fabric

Ceriso Styled French Maid Stripe Underwired Bra, at Marks&Spencer
Feminine and fashionable, this modern bra is beautifully detailed with lace trim and rose feature. It's underwired for extra support and the padded plunge style gives a fabulous enhanced cleavage. Designed for women who want the latest look

Fresh Rose Pot Pourri Box, at Marks & Spensers
Fresh rose scented Presented in a box, Manufacturer: Marks & Spencer

Pure Cotton Spot Print Cropped Pyjama Bottoms, at Marks & Spensers
Fashionable and practical, these spot print pyjama bottoms are made from soft breathable cotton for a comfortable night's sleep

Older Boys' Pure Cotton Denim Jacket, at Mark's & Spencer
Relaxed and modern, this denim jacket makes a comfortable and practical choice. It's machine washable for added convenience

Pure Cotton Assorted Print Hooded Jacket, at Marks and Spencers
Cute and cosy, this hooded jacket is made from soft cotton fabric to keep him feeling comfy

Collezione Luxury Wool Micro Texture Trousers, at Mark & Spensers
Italian style is renowned for its attention to detail. Each collezione piece 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 these trousers to give you a feeling of luxury like no other

Blue Harbour Funnel Zip Neck Fleece, at Marks & Spencers
Relaxed and comfortable, this funnel zip neck fleece is outstanding value!

Torre Scalza Montepulciano d'Abruzzo 2007 - Case of 12, at Marks & Spenser
Style: Medium bodied Grape variety: Montepulciano Country of origin: Italy Closure: Natural cork 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

Limited Collection Cotton Rich Skinny Jeans, at Marks and Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Stainless Steel Juicer, at Marks & Spencers
Grip handles Easy pour feature, Manufacturer: Marks & Spencer

Samsung PL60 Digital Camera, at Marks and Spencers
Pixels: 10.2 megapixels Zoom: 5 x optical zoom, 5 x digital zoom Display: 2.7 inch TFT colour LCD Screen ISO Equivalent : With a true ISO 3200 setting, your Samsung camera can effectively minimise noise for crystal clear images Dimensions: W94 x H59 x D23.7mm Weight: 219g (without battery and card) Digital Image Stabilization: DIS (Digital Image Stabilization) Storage capacity: Internal memory: 34MB, External memory: SD Card (up to 4GB guaranteed) MMC plus(up to 2GB guaranteed) SDHC (up to 8GB guaranteed) Power Source: Samsung SLB-10A Self Portrait: Accurate exposure and focus for self portrait shots 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

Girlie Dress Up Drawstring Bag, at Mark & Spensers
This folding drawstring bag is a brilliant addition to any school kit. Keep it folded up in its pouch inside a school bag and unfold when you need to carry extra kit such as homework, library book or games kit. The drawstrings feature special safety catches which snap apart under pressure

Pure Cotton Cropped Cargo Trousers, at Marks & Spenser
A stylish summer staple at home or on holiday. Just add a t-shirt and flip flops

Younger Girls' Classic Patent School Shoes, at M & S
Round toe Floral detail Scallop trim Single ankle strap with rip tape fastening Flat sole Easy Clean

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

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