There are lots of ways to save money using M&S Financial Services. Not least of these is Mark & Spencers Standard Motor Insurance. With M&S Financial Services 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 Financial Services, 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 & Spencer 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 Mark & Spensers, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Motor 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.

M&S Financial Services 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 Household 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 Household 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, M&S Financial Services Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Summer Manor Teapot, at Marks and Spencers
Floral pattern Contrast spout and handle H17.5cm x Diam13.5cm, Manufacturer: Marks & Spencer

M&S Summer Flat Weave Trilby Hat, at Marks & Spencers
Keep a cool head this summer with this straw trilby. It adds a smart touch to formalwear and looks contemporary with casual outfit

Cars DVD, at Marks & Spenser
Rating Universal, suitable for all,

Medium Blonde Doll, at Mark & Spencers
Suitable for ages 1-3yrs H39cm This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Autograph Single Breasted 1 Button Morning Jacket, at Marks and Spenser
Traditionally tailored with classic tails, this single breasted morning jacket ensures you'll look the part thanks to a three button cuff and a touch of Pure New Wool for a luxuriously comfortable fit

5 Cotton Rich Floral Embroidered High Leg Knickers, at Marks and Spencer
Add a delightfully feminine touch to your everyday underwear drawer with the floral embroidery incorporated into these great value knickers. A high leg and cotton rich weave provides flattering, easy to care for comfort

Angel Cotton Rich Strawberry Print First Bra & Knicker Set, at M+S
This pretty strawberry print bra and knicker set is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Older Girls' Hannah Montana Clogs, at Marks & Spencers
Round toe Slip-on Hannah Montana design Badge detail Flat sole Clog style Disney

Knee Length Belted Pleated Skirt, at Marks & Spenser
Elegant and feminine this knee length pleated skirt makes a fashionable, flattering choice. Get the latest look

Scoop Neck Colour Block Jersey Top, at Marks & Spencer
This fashionable longer length top features a stylish colour block design. A great way to get a fab modern look

Two Tone Sunglasses, at Marks and Spencer
A hot look for summer, these fabulous sunglasses add instant style and glamour

Tom Jones - The Legend CD, at Marks and Spencer
Audio CD, Marks & Spencer

Stripe Mug, at M+S
Stripe design Hand painted Height 9.5cm, Manufacturer: Marks & Spencer

M&S 8GB USB Memory Stick, at Mark's & Spencer
8GB storage space Hi speed USB 2.0 compliant Plug & play compatible Capless design Requires no external power or cables Operating system: 98SE, ME, 2000, XP, Vista, OS9.X, OSX and Linux Kernel 2.4 or higher Speed: read speed max. 11 MB /s, write speed 7 MB /s Dimensions: 68 x 19.6 x 10.2mm

The Gum Shiraz 2007 - Case of 6, at Marks & Spensers
Style: Dry and full bodied Grape variety: Shiraz (Syrah) Country of origin: Australia Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Little Acorns Mini Record Book and CD Album with 4 CDs, at Marks and Spencer
Pack contains: 1 record book, 4 pre-labelled CDs Approx size: Book dimensions: H140 x W140 x D32 mm

Silver Plated Air Sign Charm Bracelet, at Mark & Spensers
Silver plated beads Air sign charm This product is not available for international delivery. Find out more

Autograph Luxury Pure Cotton Dobby Stripe Shirt, at Marks and Spencer
Smart and refined, this shirt is part of an exclusive range of beautiful garments, available only in our top stores and online. It's made from superfine yarn so it feels luxuriously smooth. Designed for a stylish contemporary look and great fit

Leather Bin, at Mark's & Spencer
Elegant waste bin Broad base Circular design H22.5cm x W22.5cm x D29cm, Manufacturer: Marks & Spencer

Autograph Floral Lace Thong, at Marks & Spencer
Delicate and feminine, this gorgeous string is made from the softest lace which looks and feels luxurious. The modern low rise, high leg styling gives a flattering shapely fit. Beautiful exclusive lingerie

Autograph Pure Cashmere Bold Stripe Hooded Cardigan, at Marks & Spenser
Soft and snuggly, this practical cashmere cardigan will keep her feeling warm and comfortable. With luxury in every detail, this is part of our exclusive Autograph collection

Big & Tall Wool Rich Single Breasted Puptooth Jacket, at Marks and Spencer
Specially proportioned for big and tall men, this wool rich jacket is designed to give a flattering, comfortable fit

Easycare Long Sleeve Stripe Shirt, at Marks and Spencer
Smart and stylish, this easycare shirt makes a practical choice for everyday wear

Domaine Bastides d'Eole 2007 - Case of 6, at Marks & Spencers
Style: Full bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 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

Cherry Print Cap Sleeve Frill Blouse, at M+S
This cap sleeve blouse is beautifully embellished with frill detail for a stylish modern look

Machine Washable Twin Pleat Trousers with Wool, at M & S
These trousers are a wardrobe staple. They are tailored from a wool blend fabric with elastane lycra for durability, good crease recovery and comfort in wear. What's more, you can machine wash and tumble-dry them - the ultimate convenience

4 Floral Detail Glass Coasters, at M&S
Pack of 4 Floral Detail Square shape Solid glass, Manufacturer: Marks & Spencer

Limited Collection Heirloom Hoop Earrings, at Marks & Spenser
Hook fastening Hoop style Assorted bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

French Trio, at Mark & Spencers
Chteau de Poc Touraine Gamay Chteau de Poc Touraine Sauvignon Chteau de Poc Touraine Amboise Ros Presented in a gift box Price includes delivery Available for delivery from 1st April to 30th June 2009 Looking to place a corporate bulk order? Please call 0845 6020602 This product is not available for international delivery. Find out more

Faux Crocodile Skin Double Handle Bag, at Marks & Spencer
Stylish and useful, this double handle bag features faux crocodile skin. A practical and fashionable accessory

M&S Financial Services 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 Financial Services 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 Spencer 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, Sainsbury's, 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 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 Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.