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

Marks & Spensers may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Motor Insurance, but M+S 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 Finance 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 Finance loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Finance 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 Finance 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.

Shopping for financial products at M&S Finance UK website is just as simple as shopping for fashion or furniture at the Marks & Spensers 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 Motor 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 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.

Summer Living Striped Napkin Ring, at Marks and Spencers
Round shape Stripe design, Manufacturer: Marks & Spencer

Divan Sets - F400Z+L NS SUEDE, at Marks & Spenser
Manufacturer: Marks & Spencer

Footglove™ Leather Whipstitch Detail Shoes, at Marks & Spencer
Block mid-heel Whipstitch detail Slip-on Footglove™ soles are comfortable, highly flexible and lightweight

Autograph Leather Faux Crocodile Platform Boots, at Marks & Spensers
Round toe Zip fastening Faux crocodile skin design High heel Knee high Heel height: 90mm Comes in sizes 3-8, including half sizes

Portfolio Linen Blend Panelled Skirt with Belt, at Marks & Spencer
Part of Portfolio's Parisienne trend. Feel bold and chic in this feminine look inspired by Parisian style. With a striking colour palette of cream, ruby, black and dove grey, this is a style-conscious trend for the new season

Autograph Weekened Cotton Rich Floral Top with Silk, at Marks and Spencer
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

Classic Collection Seersucker Stripe Straight Leg Trousers, at Mark & Spencers
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

3 Long Sleeve Plain Sleepsuits, at Marks & Spencer
Wrap your new arrival in cotton softness to help them on their way to a peaceful sleep

Playstation®3 Ratchet & Clank Future: Tools of Destruction™ Game, at Marks and Spenser
Embark on a galactic adventure Try to find an ancient device that is the key to saving the galaxy Unravel the mystery of Ratchet's origin New characters, new weapons, and all-new worlds to explore 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 2007 Sony Computer Entertainment Europe. 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, ESRB Rating: Kids to Adults

Nectarine & Orange Pot Pourri Bag, at M&S
Nectarine and orange frangrance Natural and man-made botanicals, Manufacturer: Marks & Spencer

Silver Plated Diamanté Charmer Hoop Earrings, at Mark's & Spencer
Hook fastening Hoop design Diamant detail For hygiene reasons, refunds will only be given in accordance with your legal rights

Leather Eyelet Bow Detail Pumps, at Marks & Spenser
Bow and eyelet detail Square heel Round toe Slip-on

The Button Detail Check Trousers, at Marks & Spencer
With a fashionable check print, eye-catching button detailing and a flattering cut, these trousers are simply a must have. Wear with heels for a leg lengthening look

DD-G Multiway Lace Wing Moulded Bra, at Marks & Spencers
Flattering and comfortable, this balcony bra is specially designed for fuller busts. The balcony style gives an enhanced shape, with great support and maximum uplift

Round Face Mesh Strap Watch, at Marks & Spensers
Round face Analogue Mesh strap

Cotton Rich Total Support Swirl Embroidered Bra, at Marks and Spencers
Feel fabulous and comfortable in this elegant and supportive bra. It's lightweight yet shaped to give all-round uplift and support thanks to extra wide back straps and wide shoulder straps

Woven Flap Purse, at Marks & Spensers
Fashionable and practical, this purse is a useful accessory with bags of style!

Signature Lemon Grass & Bamboo Scented Filled Candle, at Marks & Spenser
Glass holder Lemon grass and bamboo fragrance, Manufacturer: Marks & Spencer

Isis Deodorising Body Spray, at Marks & Spensers
To Use: Shake well. Spray 15 cm from your body Deodorising body spray 150ml This product is not available for international delivery. Find out more

MoDA Wine Bottles Bamboo Paper Blank Card, at MarksandSpencer
Cover text: Blank Inside message: Blank for your own message Our MoDA range has been screen printed onto paper made from bamboo. Bamboo is a truly sustainable and renewable resource as it's the fastest growing plant on the planet! Approx size: 150 x 150mm

Large Marquis Ring, at Marks & Spencers
Faceted faux gemstone Chunky design

Pure Cotton Lightweight Flap Pocket Chinos, at M & S
A great smart casual look for summer, these flap pocket chinos are made from soft cotton and offer a comfortable, relaxed fit

Per Una Pure Cotton 3/4 Sleeve Printed Cardigan, at Marks and Spencer
Cool and comfortable, this 3/4 sleeve cardigan is made from pure natural cotton and features a floral button fastening for a fashionable look

Autograph Pure Cashmere Crew Neck Jumper, at Marks & Spencer
Sophisticated and modern, this crew neck jumper is made from pure cashmere for the ultimate in luxurious softness. Exclusive, luxurious and beautiful

Per Una Pure Cotton Polka Dot Revere Pyjamas, at Marks and Spenser
Modern and feminine, these pretty polka dot revere pyjamas are made from pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Stripe Halterneck Bikini Top, at Marks&Spencer
Fabulously fashionable, this bikini top is outstanding value. Style and quality at a great price

Pure Cotton Short Sleeve Frill Trim Floral Top, at Marks & Spencer
Smart and stylish, this short sleeve top is made from cool comfortable cotton and features a frill trim and floral print

Limited Collection Faux Snakeskin Tote Bag, at Marks and Spencers
Fashionable and fabulous, this faux snakeskin print handbag is designed in one of this season's key shapes. It's a practical as well as a trend-conscious accessory. Get the latest look!

Cotton Rich Embroidered Trim High Leg Knickers, at Marks & Spenser
A great style for making your legs look longer, these embroidered cotton knickers are designed with a flattering high cut

Nokia 6500 Classic - Vodafone Pay as you talk Mobile Phone, at Mark's & Spencer
A maximum of 2 phones per customer may be purchased Talk time: Up to 3.5 hours Stand-by time: Up to 9 days Display: 2" (320 x 240 pixels) QVGA display supporting up to 16.7 million true colors Dimensions: 109.8 x 45 x 9.5 mm Weight: 94g Bandwidth: GSM/EGSM: 850/900/1800/1900, WCDMA 850/2100 Music and multimedia: Music player supports AAC, eAAC+, and MP3 audio formats, Video playback supports H.263, MPEG4, and 3GPP formats and codecs, Video streaming supports 3GPP and H.263 formats Camera and video: Image capture: JPEG, resolution of images: 1600 x 1200 pixels, video capture: MP4, Resolution of videos: QCIF/SQCIF, 176 x 144 pixels Browsing: xHTML browser over wTCP/IP stack supports WAP release 2.0, WML (WAP 2.0) browser Connectivity: Micro USB, 2.0 + enhanced data rate (EDR), Remote SyncML data synchronization via Bluetooth Data transfer: WCDMA, GPRS, EGPRS and Dual band 3G technology Java™ applications: Java MIDP 2.0 games and applications Messaging and email: MMS, SMS, AMS and Email client supports POP3 and IMAP4 Memory: 1 GB internal memory with up to 920 MB user free memory Personal information management: calendar, to-do list, and notes, alarm clock, stopwatch, countdown timer and calculator Ringtones: Video, MP3, MP4, eAAC+, AAC, and WMA, Polyphonic Vodafone Pay as you talk: Your mobile service provider will be Vodafone. A Vodafone SIM card is included with this handset. Click here to view Vodafone's Pay as you talk tariffs. 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

M&S Finance 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 Finance 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 M+S 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 Finance UK and European Breakdown Cover, since it covers you as a passenger too.