There are lots of ways to save money using M&S Finance. Not least of these is Marks & Spensers 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 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 Car Insurance from M&S Money, 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 M & S 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 Household 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&Spencer, 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.

M&S Finance offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car 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 Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Finance Car Insurance is not like that at all, and when you compare M&S Car 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 & Spenser 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car 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 Car 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.

Black Silver Glass Photo Frame 10 x 15cm (4 x 6"), at Marks&Spencer
Contrast border Rectangle shape Aperature: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Cotton Rich Leaf Damask Quilted Bedcover, at M&S
Quilted design Leaf jacquard pattern L250 x W265cm, Manufacturer: Marks & Spencer

Más de Leda 2005 - Case of 6, at Marks and Spencer
Style: Dry, full bodied, oaked Grape variety: Tempranillo Country of origin: Spain Closure: Natural cork 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

Monaco Collection - Chrome Table Lamp, at Mark & Spencers
Organza Shade Glass droplet detail Chrome Base Dimensions: H50 x Diam 25cm Bulb: 60W ES or 11W CFL, Manufacturer: Marks & Spencer

125 Years Luxury Pure Wool Single Breasted 3 Button Jacket, at M&S
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Heart Lined Moccasin Slippers, at Marks & Spensers
Relax in style and comfort in these soft, hardwearing moccasin slippers featuring heart print lining. Machine washable for added convenience

DeLonghi Icona Kettle - Silver, at M & S
1.7 litre capacity Rapid boil 3kW cordless kettle Stylish silver finish 360 swivel base with cord storage Water level indicator Auto shut-off when water begins to boil Removable, washable scale filter Cord storage Non slip feet This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Clocktower Pinot Noir 2007 - Case of 6, at Marks & Spenser
Style: Medium bodied Grape variety: Pinot Noir Country of origin: New Zealand 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

Padded Stitch Free Bra, at Marks & Spencer
This smooth streamlined bra is stitch free and bonded for a no-show look under clothes. Light padding and underwiring give an enhanced natural shape

5 Cotton Rich Animal Print Bikini Knickers, at Marks and Spencer
These animal print cotton rich knickers are perfect for everyday wear. Added stretch gives a comfortable fit and shape retention

Autograph 3/4 Sleeve Cardigan with Merino Wool, at Mark's & Spencer
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

The Pleated Dart Flannel Mini Skirt, at Marks&Spencer
The mini skirt is a classic and a must for showing off great legs! Make a statement in this fabulous red version with fashionable pleats and darts. Keep it contemporary with boots and tights this season

Craft Text Birthday Card, at Mark's & Spencer
Cover text: happy birthday Inside message: blank for your own message Approx size: 230 x 114mm

Bubble Base Martini Glass, at Marks and Spencer
Bubble base design Hand made glass with heavy base Height: 15.5cm Capacity: 150ml (15cl), Manufacturer: Marks & Spencer

Stainless Steel Spaghetti Measurer, at Marks and Spencer
Stainless steel with black edges Gives measures for 1/2, 1, 2 and 3 person servings, Manufacturer: Marks & Spencer

Snow Patrol - A Hundred Million Suns CD, at M&S
Audio CD, Marks & Spencer

Autograph Pure Cashmere Long Sleeve Jumper, at Marks n Spencer
Sophisticated and modern, this scoop neck jumper is made from pure cashmere for the ultimate in softness. Exclusive, luxurious and beautiful

Limited Collection 3/4 Sleeve Sequin Top, at Marks n Spencer
Part of Limited Collection's LA Love trend. Feminine, soft and laid back, this is a fashionable LA look with a boho vibe. Beautiful fabrics and playful prints are key

Portfolio Graduated Stripe Jersey Top, at Marks and Spenser
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Autograph Leather Seam Biker Jacket, at Marks and Spenser
Biker jackets are a key look this season, and this leather style makes a fashionable choice

Percy Pig Cushion, at Marks and Spencers
Percy pig design Round shape Matching items available Diam 35cm, Manufacturer: Marks & Spencer

Mosaic Console Table, at Marks&Spencer
H72 x W80 x D40cm Suitable for indoor and all-weather outdoor use Individually hand crafted Please note that this range uses natural stone and grouts and therefore the colours within the products may vary from those shown and may change over time Mosaic design Wrought iron twisted stand Assembly required This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Geoff Merrill Three Virgos Shiraz 2005 - Case of 6, at Marks and Spencer
Style: Full bodied Country of origin: Australia Closure: Natural cork 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

Autograph Eyeshadow Brush, at Marks and Spencer
Handmade Enables you to achieve a controlled light and even coverage

Rockridge Chardonnay 2008 - Case of 12, at M&S
Style: Dry Grape variety: Chardonnay Country of origin: South Africa Closure: Screw cap Suitable for vegetarians Bottle: 12 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

Autograph Jewel Cufflinks, at Marks&Spencer
Provide the perfect finish to your smart attire with the elegant design of these sophisticated cufflinks

Pure Cotton Ruffle Neck Ribbed Vest Top, at Marks & Spencers
For casual elegance, you can't beat this ruffle neck vest top. A great value cotton essential

My First Fire Engine, at Mark's & Spencer
Pull-along cord Light and sound features Batteries included Suitable for ages 0-3yrs H21cm This product conforms to EN71 and the Toy Safety Directive 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

Mirror Squares Photo Frame 10 x 15cm (4 x 6"), at Mark & Spensers
Rectangular frame Mirror square design Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Dora the Explorer Watch, at Marks & Spenser
Buckle fastening Round face Butterfly design on straps Analogue Dora the explorer design 2007 Viacom International Inc

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 & Spenser 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 and Spenser, 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 Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.