There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spencer 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 Spenser, 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 Financial Services, you get more, and you pay less.

When you're shopping at Mark's & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Money Direct. Offering everything from savings accounts and credit cards, to Household Insurance and Motor Insurance, there's a lot more going on at Marks and Spencers than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Money Direct. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Money Direct, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Money Direct website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

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 & 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.

Pinot Grigio Pfalz Qualitätswein 2007 - Case of 12, at Marks & Spencer
Style: Dry, light to medium bodied Grape variety: Pinot Grigio (Pinot Gris) Country of origin: Germany Closure: Synthetic closure Bottle: 12 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

Collezione Pure Wool Single Breasted 3 Button Jacket, at M&S
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Younger Boys' Pure Cotton Robot Pyjamas, at Mark & Spensers
Fun and fashionable, these comfy pure cotton pyjamas feature robot motifs

Laser Cut Scene Wedding Card, at Marks & Spencer
Cover text: Blank Inside message: Blank for your own message Approx size: 178 x 126mm

Champagne Oudinot Medium Dry - Case of 6, at Marks & Spensers
Style: Medium dry Grape variety: Mixed Country of origin: France Closure: Natural cork Bottle: 6 x 75cl. Alcohol by volume: 12% vol. 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

Autograph Stainless Steel Bar Set, at Marks and Spencer
4 piece set Includes a bottle opener, a screwpull, a jigger and a holder Height: 19.5 cm x 10 cm diameter, Manufacturer: Marks & Spencer

Footglove™ Leather Loafers, at Marks and Spencer
Round toe Stitch detail Flat sole Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

My First Numbers & Textures Puzzles, at Marks and Spenser
Suitable for age 0 - 3 years 10 puzzles in total 20 pieces 5 touchable textures Animal design Hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Non-Iron Long Sleeve Shirt, at M&S
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Cotton Rich Velour Hooded Top, at Marks & Spencer
Soft and comfy, this pretty hooded top makes a practical and fashionable choice.

Adjustable Braces, at Mark & Spensers
Add a smart finishing touch with these stylish adjustable braces

Ceriso Jacquard Lace Padded Balcony Bra, at Marks and Spencer
Sassy and glamorous, this modern bra is beautifully detailed with bow detail.Soft padding and underwiring give great support and a fabulous flattering shape. Designed for women who want the latest look

Silver Plated Hoop Necklace & Earrings Set, at Marks & Spencer
2 part set Hook fastening drop style earrings Cord design with hoop pendant necklace

Zebra Print Jacquard Scarf, at Mark's & Spencer
Add some sheer glamorous sparkle to your look with this elegant zebra print scarf. The perfect accessory to this season's styles

Sleeveless Open Neck Leaf Print Shirt, at Marks and Spencer
This fab sleeveless shirt features a stunning leaf print. A sophisticated new look, perfect for this season

Trailing Flower Curtains, at Marks & Spencers
Pencil pleat Trailing chrysanthemum design Lined Comes in standard 168cm/66in (STD) and wider 219cm/86in (WDR) widths Also comes in three drop lengths: short (137cm/54in), medium (183cm/72in), long (229cm/90in) How to measure for window dressings: Click here for a guide to measuring for curtains, pelmets and roman blinds., Manufacturer: Marks & Spencer

Pure Linen Embroidered Ginko Cushion, at Marks and Spencer
Square shape Embroidered design Hand sequins linen cushion with feather inner Lined L50 x W50cm, Manufacturer: Marks & Spencer

England Activity Book, at Marks & Spencers
Grab your footy-mad pals and use your awesome cards to play the spectacular games in this book. With crosswords, quizzes, spot the difference and many more top footy activities, this is your chance to join Lampard, Beckham, Crouch and the rest of the England squad, as you challenge your team-mates to be the best

Portfolio Mixed Bead Stretch Bracelet, at Marks & Spencers
Stretch fit Wide style Mixed bead detail

Autograph Straight Leg Trousers with Cashmere, at Marks and Spencer
Simple and stylish, straight leg trousers are a modern classic. They are cut to skim the hips and thighs, giving a sleek flattering shape that's always in style

Lyon Cereal Bowl, at Marks & Spensers
Rib detail Diam 14cm H8cm, Manufacturer: Marks & Spencer

Per Una Multi Strand Acid Slice Pendant Necklace, at M & S
Acid slice round pendant Mixed bead design Multi strand Length: 50cm

Platinum Diamanté Royal Band Ring, at Marks & Spencers
Plain Band Diamant detail Cluster design

XBOX 360® Viva Piñata: Party Animals Game, at Marks & Spencers
Includes more than 40 mini games and a dozen foot races for players to compete against one another to collect candy and bonuses in exotic and hazard-filled locations Appealing to kids or those just young-at-heart, this unique social party game rewards and challenges all players regardless of their skill level Up to four players can play simultaneously 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

Autograph Noire Eau De Toilette, at Marks and Spencer
Eau De Toilette for women 100ml This product is not available for international delivery. Find out more

Laska Sink, at Marks and Spencer
H18 x W45 x D45cm Sink only Some self-assembly required. Delivered boxed to your door. You will need to unpack, assemble and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Sonoma Office Desk, at Marks and Spencers
H77 x W131 x D65cm 1 large pull out drawer with fold down front Made from White Oak Solids and veneers This range features natural wood characteristics Finished with 2 coats of durable, clear lacquer of low sheen Drawer boxes and fronts made from solid Oak. Drawer bottoms made from White Oak veneer Handles made from solid wood Side and back made from White Oak veneer Top panel is veneered with solid Oak edging for strength Delivered flatpack due to size. 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 SAVE ON SETS Save at least 25% when you buy this desk as part of a set. Click here to view the Sonoma Office Collection Set. , Manufacturer: Marks & Spencer

24 Mini Cheese & Tomato Frittatas, at Marks n Spencer
Contains 24 pieces Serves 6 Ready to eat 672g As featured on page 13 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Embroidered Corselette, at Marks & Spensers
Soft and feminine, this corselette is made from a comfortable cotton blend. It gives the same all-over shaping as our traditional corselette and the cups are based on our best-selling everyday bra

18 Oak Smoked Salmon Appetisers, at M & S
18 pieces Serves 4 Ready to eat Suitable for freezing 180g As featured on page 10 of the Food to Order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Shopping for financial products at M&S Money Direct UK website is just as simple as shopping for fashion or furniture at the Marks & Spenser online store. Here are just some of the financial products which can be purchased via the M&S Money Direct 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 & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

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