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

Besides MarksandSpencer Motor Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Home 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 & Spencer 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 MarksandSpencer purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Home Insurance and Standard Home 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 & Spencer Money offers a variety of financial and insurance products, but Motor Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Motor Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Motor Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Motor Insurance is not like that at all, and when you compare M&S Motor Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencers 5 Star Premier cover Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsburys, or Tescos Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Motor Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Pearl Effect Wire Baroque Necklace, at Marks and Spencer
Dual-strand feature Pearl-effect design Length: 44cm

Collezione Pure Cotton Long Sleeve Stripe Shirt, 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 this shirt to give you a feeling of luxury like no other

Inclusion Vanilla Candle, at Marks and Spenser
Chunky design Twig detail Vanilla scented Shallow dish holder Burns up to 80 hours H15 x diam 10cm, Manufacturer: Marks & Spencer

LED Light Collection Dragonfly Mobile, at Marks and Spenser
Hanging loop Circular design 3 hanging dragonflies, Manufacturer: Marks & Spencer

Philips 57'' FL7404 Full HD LCD TV, at Marks & Spencer
HD Ready 1080p: High Definition Multimedia Interface™ (HDMI) connections make your TV a multimedia centrepiece. Connect HD digital devices like disc players, game consoles, Digital Camcoder and satellite dish components into the rear connection for displaying an HD source on an HDTV Display: 57 inch LCD TV Contrast Ratios: Dynamic contrast 80,000:1 Integrated Digital and Cable Tuner Aerial Input- 75 ohm coaxial (IEC75) , Video Playback- NTSC, SECAM, PAL , DVB- DVB-T MPEG4*, DVB-C MPEG4* Tuner bands-Hyperband, S-Channel, UHF, VHF Dimensions: W126 x H77 x D12cm (without stand) , W126 x H82 x D31cm (with stand) Weight: 28kg (without stand), 32kg (with stand) Connections: 4 x HDMI , PC connectivity, USB, EasyLink (HDMI-CEC)- One touch play, Remote control pass-through, System audio control, System standby HD Natural Motion: Philips invented HD Natural Motion to eliminate juddering effects that are visible with movie-based picture content 2 x 10 W with Incredible Surround: An invisible sound system that blends perfectly with the design of the cabinet Picture enhancement: Pixel precise HD, 3/2 - 2/2 motion pull down, 3D Combfilter, Active Control + Light sensor, Digital Noise Reduction, Dynamic contrast enhancement, Luminance Transient Improver, Progressive Scan, 2D/3D noise reduction, 100 Hz LCD, HD Natural Motion Playback Formats: MP3, LPCM, JPEG Still pictures, MPEG1, MPEG2, H.264/MPEG-4 AVC Video formats: 480i, 60 Hz, 480p, 60 Hz, 576i, 50 Hz, 576p, 50 Hz, 720p, 50, 60 Hz, 1080i, 50, 60 Hz, 1080p, 24, 25, 30, 50, 60 Hz Computer formats: 640 x 480, 60 Hz, 800 x 600, 60 Hz, 1024 x 768, 60 Hz, 1280 x 1024, 60 Hz, 1360 x 768, 60 Hz, 1600 x 1200, 60 Hz, 1920 x 1080, 60 Hz Sound: 2 x 10 W (Incredible Surround, Treble and Bass Control, Nicam Stereo ) Power: 220 - 240 V, 50 Hz This product is not available for international delivery. Find out more 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, Manufacturer: Marks & Spencer

In The Night Garden Character Puzzle, at M & S
Suitable for ages 12 months to 3 years 20 pieces TM & Ragdoll Worldwide Limited 2007. Licensed by BBC Worldwide Limited This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Foot Survival Pack, at Marks & Spencer
For instantly comfier feet, whatever shoes you're wearing

Petite Single Breasted Water Repellent Mac, at M&S
Practical and fashionable, this water repellent mac is perfect for drizzly days

Le Moulin des Cossardières Muscadet Sèvre et Maine Sur Lie 2007, at Marks & Spencer
Style: Dry Grape variety: Melon de Bourgogne Country of origin: France Closure: Synthetic closure Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Collezione Twin Toe Cap Shoes, at Mark's & Spencer
Square toe Gusset toe cap stitch Lace-up Block heel

Glam Girl Sticker Activity Book, at Marks & Spensers
Ever stuck for something to do? Then this fantastic book is just for you! Get busy with the colourful activities and think up creative ways to use your beautiful butterfly stickers. They can flutter their way onto gift wrap, greeting cards, invitations or accessories. Just use your imagination

Side Ring Bikini Bottoms, at Marks & Spencers
Gorgeous and glamorous, these fashionable bikini bottoms feature a stylish side ring. Make a splash!

Pink Wrapping Accessory Pack, at Marks and Spencer
1 flower sticker 1 blue ribbon 1 pink ribbon 1 pink spotty ribbon Ribbon lengths: 1.5m Bow: 105mm diameter

Sonoma Dark Extending Table & 6 Chairs Set, at Mark & Spensers
7 piece set Table: H76 x L180 x W100cm (extends to L230cm) Extendable table with centre leaf that can be stored beneath tabletop Seats 6-8 people Chair: H86 x W48 x D54cm Seat: H48cm Leather padded seats Made from solid oak and oak veneer Features natural wood characteristics - knots, figuring, colour variation and end-grain detail Finished with a rich dark stain, followed by 2 coats of durable, clear lacquer of low sheen Chairs made from solid wood Side panels and back panels made from White Oak veneer Top panels made from White Oak veneer with a solid Oak edging for strength Legs made from solid hardwood 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. This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Detroit Trunk Coffee & Side Table Set, at Marks & Spencers
Trunk coffee table: H50 x L100 x W55cm Side table: H56 x W50 x D50cm Top of coffee table opens to reveal storage Made from White Oak solids and veneers Finished with 2 coats of durable, clear lacquer of mid sheen Solid oak legs Table top panel made from oak veneer with a 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 This product is not available for international delivery. Find out more 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 manufacturer's instructions, and be aware that polishes can add sheen, Manufacturer: Marks & Spencer

Platinum Plated Diamanté Detail Wishbone Ring, at Marks and Spenser
Add instant sparkling style with this gorgeous platinum plated ring, set with dazzling diamant.

4 Pairs of Fine Cotton Stripe Design Socks, at Marks and Spencer
Soft and comfortable, these cotton blend socks are naturally breathable and absorbent, keeping feet dry and comfy. A reinforced heel and toe gives extra durability

Walnut Angled Photoframe 13 x 18cm (5 x 7''), at Marks and Spencer
Wide border Angled frame Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Perfect Scorpius Hard Medium Rollercase, at Marks & Spencers
Strong yet lightweight, this stylish luggage has 4 wheels for maximum manoeuvrability, a fixed combination lock, telescopic handle and fully lined interiors. There's a free 5 year guarantee, too

Autograph Wool Rich Flat Front Hairline Stripe Trousers, at Mark & Spensers
A flat front and black tones give them a modern look and feel that can be worn in the office or when out and about

Pure Cotton Long Sleeve 'B is for Bear' T-Shirt, at MarksandSpencer
Cute and fun, the b is for bear design makes this practical t-shirt extra special. It's made from pure cotton and feels comfy to wear. The shoulder poppers make it easier to dress him

Stormwear™ 3 in 1 Hooded Parka, at M+S
Smart and modern, this 3 in 1 parka is treated with Stormwear™ technology, an innovative finish that repels water and stains. Comfortable, breathable, easycare style whatever the weather

Santiago Side Table, at Mark's & Spencer
H56 x W50 x D50cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wood Collection - 3 Storage Boxes, at Marks and Spencer
Set of 3 different sizes Double side handles Wooden H35.5 x W35.5 x D32.5cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cotton Rich Deep Lace Waist Shorts, at M & S
These pretty lace shorts are shapely and modern. Added stretch gives a comfortable, figure-flattering fit

Autoritas Shiraz 2006 - Case of 6, at Marks & Spencer
Style: Dry, rich and fruity Grape variety: Shiraz (Syrah) Country of origin: Chile Closure: Natural cork Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Disney Fairies Jewellery Beads Kit, at Marks & Spencers
Suitable for ages 5+ Includes assorted beads and fairy charms Disney This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Pure Cashmere Cropped Cardigan, at Marks & Spensers
Sophisticated and modern, this scoop neck cardigan is made from pure cashmere for the ultimate in luxurious softness

Portfolio Assorted Bead Stretch Bracelet, at Marks & Spenser
Stretch style Assorted bead design

First Readers Goldilocks & the Three Bears, at Marks and Spencers
Based on the traditional folk tale 'Goldilocks and the Three Bears', this vibrantly illustrated story is sure to become a favourite in every home. Follow the naughty Goldilocks into the house of the three bears, and see what happens when they come home and find her!

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 & Spensers are so useful. Marks & Spencer 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, Home Insurance policies. Usually, UK Home 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 & Spencer Money Home 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 & Spencer Money Home Insurance than you will anywhere else, and you may even pay less with M&S.