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

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

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks and 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 Money Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Finance products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Money Direct 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 Money Direct insurance products (Home 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 & Spencers insurance products in document format too.

Mirrored Floor Cabinet & Sink Unit, Sink & Tap Set, at Marks and Spencer
H88 x W40 x D36cm Sink Unit: H89 x W60 x D43cm Floor cabinet comes with 1 shelf 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 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

Limited Collection Cheryl Sunglasses, at Marks & Spencers
Bold, dark and oversized, these stunning shades make a fabulous way of wearing this seasons hot trend for classic glamour

Classic Collection Pull-On Trousers, at Marks and Spencer
Smart and stylish, these straight leg trousers are designed for a flattering, comfortable fit and a polished look. They make the perfect match for fashionable jackets, blouses and knitwear

Flat Front Navy Stripe Trousers, at Marks & Spenser
Smart and stylish, this suit is outstanding value! It's made from comfortable hardwearing fabric, ideal for everyday wear

Blue Harbour Linen Blend Short Sleeve Shirt, at MarksandSpencer
Relaxed casual style for less! This cotton and linen shirt is outstanding value

Footglove™ Leather Wedge Heel Trouser Shoes, at Marks&Spencer
Square toe Stitch detail Gusset feature Slip on Wedge heel Heel height: 42mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Pure Cotton Long Sleeve Scotland Rugby Shirt, at Marks&Spencer
Young fans will love this cotton rugby top featuring a Scotland emblem. A sporty smart-casual look that's comfortable, practical and easycare

4 Nail Care Emery Boards, at Marks n Spencer
Pack of 4 Ideal for shaping natural nails

Per Una Crinkle Stripe Panelled Skirt with Belt, at Marks & Spencers
A fashionable mid calf length skirt featuring panelled design. Matching buckle belt gives it a Per Una touch

Philips CD1554B Cordless Phone with Answering Machine, at Marks and Spencers
50 name and number phonebook 10 number call log list 5 number redial list 10 minutes recording time Plug and play answering machine Tone and pulse dialing Call waiting Caller ID, conference call, explicit call transfer, microphone mute Registers up to 4 handsets to one base Talktime up to 12 hours, standby time up to 150 hours Range of up to 300 metres outdoors/50 metres indoors Talk time up to 12 hours Base dimensions: 120 x 114 x 82.5mm Handset dimensions: 162 x 48.3 x 28.7mm

Travel Neck Pillow, at Marks & Spensers
Once you have travelled with this neck pillow you will wonder how you managed to survive without it. Containing polyester beads it will mould to the shape of your head, enabling you to rest peacefully on your journey

5 Pairs of Short Butterfly Socks, at Marks and Spencers
The butterfly design adds a stylish touch to these comfortable cotton blend socks

New 120GB Apple iPod classic, at M&S
Up to 30,000 songs, 150 hours of video, 25,000 photos, or any combination Rent a movie from iTunes and watch it on the go Sleek, anodized aluminum and polished stainless steel enclosure Genius feature finds the songs in your library that go great together and makes a Genius playlist for you Cover Flow - turn it on its side to flip through album art 2.5-inch (diagonal) color LCD display with LED backlight. 320-by-240-pixel resolution at 163 pixels per inch Built-in rechargeable lithium ion battery capable of up to 36 hours of audio playback and up to 6 hours of video playback Dimensions: H10.4 x W6.2 x D1cm approx Weight: 140g In the box: iPod classic, Earphones, USB 2.0 cable, Dock adapter, Quick Start guide For Mac and Windows. Requires Windows Vista or Windows XP Home or Professional or Mac OS X v10.4.11 or later TM and 2008 Apple Inc. All rights reserved 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

Football Manager 2008 PC Game, at Marks and Spencer
Football Manager 2008 PC is the next iteration of the prize-winning Football Manager series developed by world-respected studio Sports Interactive. The latest version of Football Manager will be fully updated for the new season and will allow players to select their favourite club or international team and guide them to glorious success by putting them through Cup matches, Leagues, European Championships and even major international tournaments, with over 5,000 playable teams from over 50 countries

Charles Freminet Brut Champagne NV - Case of 6, at Marks and Spencer
Style: Dry Grape variety: Pinot Noir, Pinot Meunier & Chardonnay Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% 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

Tab Button Vest Top, at Marks and Spencer
This fab sleeveless top features a stunning tab button detail. A sophisticated new look, perfect for this season

Stain Defence™ Non-Iron Shorts, at Marks and Spencer
These smart shorts are treated with Stain Defence™, a high performance finish that repels stains. They're non-iron for convenience - for best results, machine wash, tumble dry and hang straight away

St Véran les Monts 2007 - Case of 6, at Marks n Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Younger Boys' Holiday Cloggs, at Mark's & Spencer
Round toe Flat sole Adjustable strap Holiday motifs

Pure Cotton Retro Spot Pyjamas, at Mark & Spensers
Soft and breathable, Pure cotton pyjamas are the natural choice for a comfortable night's sleep

Single Sprung-Edge Divan with 1 Small + 1 Large Drawer & M400 Mattress - Firm, at Marks and Spencer
Single Mattress (3ft): W90 x L190cm Single Divan (3ft): W90 x L190cm Mattress depth: 24cm Divan height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Mattress filling made from resilient foam and polyester fibre Further filling layers of cotton and lambs wool keeps you warm in summer and cool in winter Two rows of hand side-stitching give the mattress edge-to-edge support. This allows you full use of the sleeping surface Individually pocketed springs 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

The Floral Collection Magnolia Candles with Ceramic Dish, at Marks and Spencers
Pack of 3 Includes: 2 candles and 1 ceramic dish Fragranced candles Flower shaped Up to 12 hours burn time

Oxford Toe Cap Brogue Shoes, at Marks and Spencers
Round toe Punch apron detail Toe cap design Lace up Block heel

3/4 Sleeve Single Button Cardigan with Wool, at Marks and Spencers
Soft and cosy, this cardigan features 3/4 length sleeves. Stylish, practical and fashionable

Underwired Plain Body, at Mark & Spensers
Everyone's skin tone is different, so after some research into skin tones we've come up with Body Nudes, a range of flattering shades to suit everyone. Body Nudes is soft and comfy with no visible lumps or bumps, so you can be sure your clothes will look their best

Autograph Pure Cotton Long Sleeve Check Shirt, at Marks & Spenser
Stylish and contemporary, this long sleeve check shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you won't find it anywhere else

Autograph Weekend Cowl Neck Cardigan, at Marks & Spenser
Part of Autograph Weekend's Sloane trend. Casual yet sophisticated, this is weekend dressing at its most stylish. Featuring a cool colour palette of crisp navy, neutrals and red, this is an effortlessly chic look for the new season

Micro Check Trousers with Wool, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear

Classic Collection Twig Embroidered Wedge Mule Slippers, at Marks and Spenser
Mule style Wedge heel Round toe Twig embroidered detail

Text Husband Birthday Card, at Marks & Spencer
Cover Text: To my wonderful Husband Inside Message: Blank for your own message Approx size: 215 x 150mm

M&S Money Direct 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 Money Direct 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 Spenser 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 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 Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.