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

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

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M&S Finance website:

• M&S Insurance: M&S Car Insurance, M&S Property 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 and Spenser, it's easy to see that these are good financial products, at value-for-money prices.

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

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 Finance financial products are, of course, designed to make Marks and 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, Property Insurance policies. Usually, UK Property 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 Finance Property 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 Finance Property Insurance than you will anywhere else, and you may even pay less with M&S.

Per Una Flower Shadow Blouse, at Marks and Spencer
A beautiful short sleeve blouse in pure soft cotton. Pintuck details give it the Per Una touch

Terrain 550 Two-Way Radios, at Marks and Spenser
Vibration facility TRUSOUND - pioneering noise reduction technology delivering enhanced sound quality Long range - up to 5 miles (8km) depending on environment and terrain Up to 304 channel combinations Dual desktop charger pod in stylish design Rechargeable batteries SBS - Superbright illuminated backlit display VOX technology - handsfree conversations Supports headsets Stop watch facility 5 call tone melodies selection Dimensions: W5.2 x L11 x D3.4cm (excluding antenna) 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

Pure Cotton Long Sleeve Stripe Pyjamas, at Marks & Spencer
Pretty and feminine, these stripe pyjamas are made from soft breathable cotton for a comfortable night's sleep

3 Non-Iron Long Sleeve Blouses, at Marks & Spensers
A great value 3-pack of long sleeve school blouses, non-iron for convenience

Autograph Pure Silk Multi Check Tie, at Marks & Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Airflex™ Apron Derby Shoes, at Marks & Spenser
Square shaped Lace-up 3 Eyelets Shallow block heel

Petite Single Breasted 1 Button Jacket, at Marks & Spenser
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

Per Una Essentials Seersucker Underwired Bra, at Marks and Spencers
Feminine and delicate, this stylish bra is made from soft textured fabric and features a lace trim. It's underwired and structured for great support and an enhanced natural shape. Pretty everyday fashion

Plain Flip Flops, at M & S
Plain Flat sole

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

Star Print Hooded Fleece Jacket, at Mark's & Spencer
Soft and warm, this pretty star print hooded fleece jacket will keep her cosy

Per Una Turn Up Sleeve Linen Blend Jacket, at M+S
A fashionable linen blend jacket featuring a single button fastening and turn up sleeve

Autograph Occasions Waterfall Prom Dress, at M&S
Beautifully designed and luxurious, this exclusive dress is detailed with a waterfall design. A stunningly glamorous style statement, perfect for elegant occasions

Pure Wool Istanbul Rug, at Marks and Spencers
Made from New Zealand wool Traditional design Tassel trim Rectangle shape Small: L140 x W80cm Medium: L170x W120cm Large: L230 x W160cm, Manufacturer: Marks & Spencer

Die Cut Letters Get Well Soon Card, at Marks and Spencers
Cover text: Get well soon Inside message: Blank for your own message Approx size: 150 mm x 150 mm

Twin Pleat Crease Resistant Trousers, at Mark's & Spencer
Adopt a fuss-free approach to formal dressing with the crease resistant fabric of these sharp trousers, allowing you to stay looking smarter for longer

Mini Limited Pure Cotton Short Sleeve Corsage Top, at M+S
Mini Limited is a collection of cute fun styles designed in the latest looks. The casual, contemporary pieces are comfortable, easy to wear and perfect for layering

Robot Grandson Birthday Card, at Marks and Spencer
Cover text: Grandson, Happy Birthday Inside message: Have a great day! Approx size: Unfolded: 215 x 150 mm

2 Pure Cotton Plain Knee Length Shorts, at M&S
Casual and comfortable, these cotton shorts feature a drawstring waist and 2 side pockets. A great value pack

Pure Cotton Floral Print Mock Layer Top, at Marks and Spenser
Chic and modern, this mock layer top is made from cool comfortable cotton and features floral print neckline

Tazetta Drop Earrings, at Marks & Spencers
Hook fastening Drop style Mixed bead design Diamant detail

Lavender Refresher & Burner Oil, at Marks and Spencers
Lavender fragrance 15ml This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

125 Years Fruit Jellies Mug, at Marks & Spencer
Fruit jelly design 'Marks & Spencer Fruit Jellies' slogan, Manufacturer: Marks & Spencer

White Ceramic Collection Toilet Brush, at Marks & Spenser
Cylindrical holder Ceramic vase Plain H39 x Diam 10cm, Manufacturer: Marks & Spencer

7 Pairs of Freshfeet Days of the Week Socks with Silver Technology, at Mark's & Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

PlayStation®3 Resistence 2™, at Marks & Spencer
The critically acclaimed story continues Gigantic online battles featuring up to 60 players Missions specifically designed to be played co-operatively with up to 8 players Blu-ray - 720p 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 *Must be returned with the tamper seal intact for full refund

Girls Only Fashion Handbook, at M&S
The Fashion handbook contains everything you need to know about style! Full of fab tips, quizzes, games and pages to fill in

Autograph Leather Lace-Up Gibson Shoes, at Mark & Spencers
Round toe Lace-up Contrast stitch Low heel

Mixed Chunky Bead Chain Necklace, at Marks and Spencer
Clasp fastening Link chain Mixed chunky beads Adjustable length Length: 86cm, extendable by 8cm

Medium Brunette Rag Doll, at Marks & Spencer
Not recommended for babies under 12 months Hair ribbon detail Floral frill dress Large button detail Suitable for ages 1 - 3 yrs This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

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 Marks & Spencer 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 M & S, through its M&S Finance website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.