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

Nonetheless, many features are standard to both the Premier and the Standard Motor 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 Motor Insurance from M+S Money, you get more, and you pay less.

M&S may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but Marks & Spencer do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Financial Services website. With a simple, no-hassle service, you can compare features between a number of M&S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Financial Services can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Financial Services insurance products (Household Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks & Spencer insurance products in document format too.

When you're shopping at Marks and 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 Financial Services. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Marks & Spencers 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."

Older Girls' Pure Cotton Embroidered Canvas Trainers, at M & S
Round toe Embroidered floral design Lace up fastening Stitch detail Flat sole

Oval Ceramic Vase, at M & S
Ceramic Oval shape Tonal design H47 x 24cm diam, Manufacturer: Marks & Spencer

TomTom GO 540 Live Satellite Navigation System with LIVE Services, at Marks and Spencers
Access TomTom LIVE services A real-time connection to the latest traffic information straight to your device. Automatic updates also provide real-time safety camera alerts, fuel prices, weather, and Google search for local shops and businesses. Updates are sent directly to the SIM card of your TomTom device - no need to activate anything or connect a mobile phone Maps: Full door to door maps of the UK & ROI are pre-loaded Display: 4.3" widescreen 16:9 format LCD (WQVGA: 480 x 272 pixels) LIVE Services: Your navigation experience got even smarter! You are connected to real-time information with premium services like HD Traffic, Safety Alerts, Local Search with Google and Fuel Prices so you always have access to useful and relevant information en route IQ Routes™ technology: Calculates your routes based on the real average speeds measured on roads. This will always provide you with the smartest route hour-by-hour, day-by-day, saving you time, money and fuel Voice command and control The latest in speech recognition technology lets you control your TomTom GO using voice commands. From planning a route to making a call, over 100 tasks are easily activated by voice, making your drive smoother and safe TomTom Map Share™ technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Latest map guarantee: Your device houses our best maps and our latest map guarantee makes you right up to date. If we release a new version of your device's map within 30 days of your purchase, you can download that map for free via TomTom HOME Active Dock: Gives you easy docking and charging to optimise your TomTom GO for daily use Plug & Go: No installation needed, works straight out of the box Battery: High quality lithium-polymer battery giving upto 3 hours autonomous battery life Sound: Echo cancellation and noise reduction give you excellent sound quality when calling hands-free. The high quality speaker Get voice instructions and enjoy songs and hands-free phone calls with remarkable sound quality at the volume that you want Extra Features: QuickGPSfix™, TomTom HOME desktop software, Bluetooth remote control (optional), 1GB internal flash memory and a microSD card socket compatible with microSD cards Dimensions: W127 x H85 x D23mm Weight: 224g 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 Please note: TomTom LIVE Services is a subscription service. A free 3 month trial is included TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009. Click here for more information

Per Una Cotton Rich Bootleg Denim Jeans, at Marks and Spenser
A fashionable pair of bootleg jeans in stretch cotton featuring belt loops with contrast trim

Long Sleeve Sidestripe Hooded Tracksuit Jacket, at M&S
Stylish and practical, this fashionable sidestripe tracksuit jacket is ideal for workouts or relaxed casualwear

Woven Silk Stripe Tie, at Mark's & Spencer
Add a luxurious finishing touch with this contemporary stripe tie in pure silk

The Incredibles Collector's Edition DVD, at Marks and Spencers
Rating Universal, suitable for all,

Abbey 2-Seater Everyday Sofa Bed, at Marks and Spencer
H95 x W196 x D102cm (opens to L178cm) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Fabric options feature reversible cushions Mattress L178 x W112 x D5cm (all dimensions are approximate) Sprung mattress rests on a slatted wooden base Mattress recommended for everday use Sofa Bed will support a maximum combined weight of 160kg Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch samples: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Petite Single Breasted 1 Button Jacket, at Marks and Spencer
Fashionable and modern, this tailored single breasted jacket features angled pleat detail. A smart and stylish choice. Specially designed and perfectly proportioned for the petite frame

UEFA EURO 08 PC Game, at Marks and Spencer
UEFA EURO 2008 features stunning visual representations of the world's best players, playing in a more accessible, faster-paced and responsive version of the market-leading EA SPORTS football engine, and all of the teams and official stadiums that will be part of UEFA EURO 2008. Take on the challenge of leading one of over 50 European national teams to glory as UEFA EURO 2008 recreates all of the drama and excitement of the official tournament in Austria and Switzerland. Play as your favourite country from qualification right through to a virtual reproduction of the championship tournament

Lavender Scented Pot Pourri Box, at Mark & Spensers
Lavender fragrance Presented in a box, Manufacturer: Marks & Spencer

Stainless Steel Melon Baller, at Marks and Spencer
Hanging loop Stainless steel, Manufacturer: Marks & Spencer

JBL SoundSticks II Audio Speaker System, at Marks & Spencers
Speaker system: 3-piece plug and play multimedia speaker system Styling: Stunning, original design with great sound Equalisation: Features computer-optimized multi-band parametric equalization Touch control: Capacitance touch control buttons provide direct access to volume control Output: 20 Watts RMS subwoofer power output Dimensions: 41 x 51 x 31cm Weight: 499g 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

3D Floral Cushion, at Marks & Spencers
Square shape 3D floral design Felted fabric Luxury feather inner Size: 43cm x 43cm, Manufacturer: Marks & Spencer

Long Length Cross Panel Skirt, at Marks & Spencer
Fashionable and contemporary, this panelled skirt is designed to fit and flatter. A modern style essential

Autograph Embroidered Short Sleeve Blouse, at M&S
Part of Autograph's Luxe Tradition trend. Luxurious and contemporary with a sense of British heritage, this trend features a soft colour palette, modern prints and beautiful fabrics. A sophisticated look for the new season

Sweet Bergamot Diffuser Plug-In Refill, at M&S
Plug-in design 15ml of fragranced liquid Lasts up to 75 days This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Cashmilon™ Long Sleeve V-neck Cardigan, at Marks n Spencer
Fashionable and flattering, this deep v-neck cardigan is made from supersoft cashmilon™

Per Una Panelled Cord Skirt, at Marks and Spencers
A casual mid-calf length skirt in stretch cotton featuring a full panel design

Limited Collection Bow Detail Court Shoes, at Marks&Spencer
Pointed toe Bow detail Slip on Court style High heel Heel hieght: 104mm Comes in sizes 3-8, including half sizes

Flowers by Post - 22 Yellow or Orange Fairtrade Roses, at Marks and Spencers
ONLINE EXCLUSIVE Send someone a special message with vibrant yellow or orange Fairtrade roses. Flowers by Post is a great value way to spoil someone you know - or yourself Fairtrade Certified Flowers

Single Sprung-Edge Divan with 2 Small + 2 Large Drawers & F400 Pocket Memory Foam Mattress, at Marks and Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190 cm King Size Mattress (5ft): W150 x L200 cm Super King Size Mattress (6ft): W180 x L200 cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Divan Height: 41cm Mattress depth: 25cm Small Drawer: H14 x W40 x D52cm Large Drawer: H14 x W78 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Spring count: 1225 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item Individually pocketed springs Mattress features a layer of resilient foam and memory foam, and also polyester fibre Mattress has foam layers to encourage air circulation Two rows of hand side-stitching give edge-to-edge support on the mattress Quality Belgian fabric for added durability Coolmax stretch knit cover helps regulate body temperature and adds a soft feel to the mattress Memory foam moulds to the shape of your body once warmed by body heat providing high levels of support This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Generic Star Charm 50th Birthday Card, at Marks and Spencer
Cover text: 50 today Inside message: Have a fantastic birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125 mm

Portfolio Pure Silk Lightweight Scarf, at Marks and Spencer
Add a luxurious finishing touch to your look with this elegant pure silk rose print scarf. The perfect accessory to this season's styles

Bude 12-Piece Dinner Set, at Marks and Spencer
Includes 4 dinner plates, 4 side plates and 4 cereal bowls Ridge design Dinner plate: Diam 28cm Side plate: Diam 22.5cm Cereal bowl: Diam 15cm, Manufacturer: Marks & Spencer

Per Una Suedette Panelled Skirt with Belt, at Marks & Spencers
A fashionable panelled skirt featuring jacquard print

Lego Fire Truck Toy, at Marks & Spenser
Suitable for ages 5+ This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Wipe-Clean Pirate Activity Book, at Marks and Spencer
Have hours of wipe-clean fun in this pirate activity book. Inside you will find mazes and puzzles, word searches and spot the difference plus much more! Draw funny faces on the pirates with your wipe-clean pens, then next time, wipe them off and start again

3 Younger Boys' Autograph Cotton Rich Assorted Robot Trunks, at Marks and Spenser
Comfortable, practical and fashionable, this 3 pack of assorted robot trunks is made from soft breathable cotton

My Friend's Handbag Heaven, at Marks and Spenser
Suitable for ages 3+ Contains a handbag, cell phone, cards and instructions Comes with felt decorations Develops creativity This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

M&S Financial Services 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 M&S Financial Services 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 Mark's & Spencer 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, Sainsbury's, or Tesco 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 M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.