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

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 Marks and Spencers are so useful. Marks & Spencer Money financial products are, of course, designed to make Mark's & 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.

Marks & Spencer Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Home Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Home Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Mens' Interest - Magazine Gift Subscription, at Marks and Spencer
With this gift subscription, the recipient can choose from 1 of 6 great magazines - Arena, Car, FHM, Zoo, Golfer or Empire

Sprung-Edge Non-storage Divan & M300 Mattress, at M&S
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm 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 Mattress depth: 24cm Divan Height: 41cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Mattress Spring Count: 896 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 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

3/4 Sleeve Empire Line Top, at Marks & Spencers
Chic and modern, this 3/4 sleeve top is made from softly draping stretch viscose for a fluid look. The gathered shoulder detail adds a fashionable finishing touch.

Autograph Weekened Cotton Rich Floral Top with Silk, at Marks & Spencers
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

Pure Cotton Satin Rose Pillowcase, at Mark & Spencers
Rouched floral panel Slim pleat trim, Manufacturer: Marks & Spencer

Autograph™ Large Precious Petals Bouquet, at Marks and Spencers
This arrangement of beautiful Esperance roses and white hydrangeas will make an amazing gift that's sure to impress All Autograph bouquets are beautifully presented, wrapped by hand and finished with Autograph™ branded frosted cellophane Available for delivery between 1st April to 30th September 2009

Chunky Weave Throw, at M&S
Plain design Tasselled L200xW150cm, Manufacturer: Marks & Spencer

Pure Cotton Thomas & Friends© Mock Layer Hooded Top, at Marks & Spensers
Fans of Thomas & friends will love this pure cotton mock layer hooded top featuring the popular character. A practical, easycare style

Body Puff, at Marks & Spencers
Loop handle Suction cup

Round Chopping Board, at Mark & Spencers
Recessed handles D3 x H3.5cm, Manufacturer: Marks & Spencer

Celebrate Gift Card, at Marks and Spencer
Credit card-sized Gift Card with presentation greetings card Can be redeemed in any of our UK stores and online Gift Cards can be topped up in stores to the maximum value of 500 Gift Cards are valid for 24 months after last use Frequently asked questions Click here to view frequently asked questions about our Gift Cards Click here for full Gift Card terms and conditions This product is not available for international delivery. Find out more

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

Cotton Rich Spot Print Bikini Knickers, at Mark's & Spencer
Pretty and feminine, these cute spot print bikini briefs sit low on the waist - perfect for wearing under hipsters. They're cut away at the front and sides and cover the bottom for a comfortable and flattering fit

Single Wick Glitter Candle, at M & S
Circular shape Single wick glitter candle Glass holder, Manufacturer: Marks and Spencer

Older Boys' Fluffy Waist Tie Dressing Gown, at M&S
Soft and cosy, this dressing gown is made from comfy fluffy fabric

Miele S4212 Plus Vacuum Cleaner, at Marks and Spencers
3.5 litre capacity dustbag with automatic hygiene shutter, Type F/J/M 2000W motor powerful but quiet Electronic gentle motor start-up Electronic suction power control using the rotary dial 6 power settings including Silence setting, 3002000 W Supplied with a Super Air Clean filter Operating radius 9m 3 smooth running 360 castor wheels 3 accessories: upholstery nozzle, dusting Standard floorhead SBD 450-3 with retractable brushes for edge to edge cleaning of carpets and hard floors and 360 comfort swivel joint Park system for floorhead at rear of cleaner Bumper strip to protect cleaner and furniture Change dustbag indicator Automatic cut-out on overheating 2 dustbags supplied 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 , Manufacturer: Marks & Spencer

Leather Belt & Stud Holdall Bag, at Marks and Spenser
Whether you're jetting off on a weekend getaway or simply heading to the gym after work, keep your belongings safe and sound with this easy to carry holdall

Autograph Suede Punch Stitch Slip-On Shoes by Jeffery-West, at Marks and Spenser
Square toe Slip-on Punch stitch detail Block heel

Silver Perfume Bottle Birthday Card, at Marks & Spencers
Cover Text: Gorgeous Girl Inside Message: Blank for your own message Approx size: 174 x 126mm

Cookware - EGG POACHER, at Mark's & Spencer
Manufacturer: Marks & Spencer

Signature Grapefruit & Ginger Refill, at Marks and Spencer
Highly scented Electrical diffuser refill 15ml, Manufacturer: Marks & Spencer

10 Evening Invitations, at Marks and Spenser
Pack of 10 Cake design Inside message: .....Request the pleasure of the company of..... at the evening receptions to celebrate the marriage of..... at..... on..... R.S.V.P. Approx size: 120 x 120mm

Block Builders Game, at Marks & Spensers
Number of players: 2 Suitable for age 8+ Pack contains: Double-sided playing board, spinner, 72 playing pieces, score pad, pencil and instructions Approx. size of playing board: 120 x 160mm 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

Autograph Leather Lace-Up Shoes by Jeffery-West, at Marks and Spencers
Square toe Punched hole 4 eyelets Lace-up Block heel Tramline design Designed exclusively for Autograph by Jeffery-West

Tallarook Marsanne 2006, Central Victoria - Case of 6, at Marks and Spenser
Style: Dry, rich and full-bodied Grape Variety: Marsanne Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Auto Movement Mantle Clock, at Marks and Spencers
Square shape Roman numerals Exposed cog design, Manufacturer: Marks & Spencer

Handheld Parmesan Grater, at Marks & Spensers
Grip handle Wide plate L23.5cm, Manufacturer: Marks & Spencer

Tonal Stripe Shower Curtain, at Marks and Spencer
Tonal stripe design L180 x W180cm, Manufacturer: Marks & Spencer

Sonoma Dark Tall Glazed Unit, at Mark & Spensers
H188 x W95 x D44cm Internal lights with on/off switch 3 adjustable glass shelves Glass doors and shelves are made from safety-tested toughened glass 2 drawers Made from solid oak and oak veneer Solid oak end grain details add to the character of each piece 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 Handles made from solid wood Drawer boxes and fronts made from solid hardwood. Drawer bottoms made from White Oak veneer Side panels and back panels made from White Oak veneer Top panels made from White 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 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

Footglove™ Cutout Pumps, at Marks n Spencer
Round toe Cut out design Slip on Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Marks and Spencer 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 Spencers 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 Marks & Spencer Money 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 Marks & Spencer Money loans, credit cards or Home Insurance - besides a number of other insurance products, Marks & Spencer Money can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of Marks & Spencer Money 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 and Spencers insurance products in document format too.