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

Besides Mark & Spencers Car Insurance, M&S Money Direct Credit Cards and other financial products, M&S Money Direct Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Direct Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks n Spencer purchases are also protected while you take them home.

Also, on both M&S Money Direct Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

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 & Spencer, through its M&S Money Direct 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.

Footglove™ Leather Widefit Wedge Pumps, at Marks & Spencers
Round toe Stitch detail Slip-on Wedge low heel Wide fit Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Ultra Fit Plain Sport Trunks, at Marks and Spencer
These innovative Ultra Fit Sport trunks keep you dry and fresh. The technology is built in so it will always work as effectively no matter how many times you wash them. Soft fabric with 8-way stretch gives maximum comfort and support. Ideal for sports wear and the gym, comfy enough for relaxed everyday wear

Blue Harbour Linen Blend Large Grid Shirt, at Marks & Spensers
Stylishly smart casual, this large grid shirt is outstanding value!

Single Breasted 2 Button Corduroy Jacket with Inner Gilet, at Marks and Spenser
A smartly tailored mock layer jacket in pure cotton

In Bloom Lime Blossom & Bergamot Eau de Toilette, at Mark's & Spencer
Eau de Toilette 100ml This product is not available for international delivery. Find out more

Connoisseur Chocolate Rose Cake, at Marks and Spenser
Serves 25 Chocolate cake: a rich chocolate cake filled with milk chocolate ganache. Chocolate cakes can be eaten up to 5 days after collection Contains alcohol - Grand Marnier liqueur Cake size: Diam 25cm 1.7kg Not suitable for nut allergy sufferers Suitable for vegetarians As featured on page 67 of the Food to Order brochure Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

HP TouchSmart tx2-1160ea Notebook, at Marks and Spencer
Processor: AMD Turion™ X2 Dual-Core Mobile Processor RM-75 Processor speed: 2.2 Ghz, Level 3 cache 1 MB Memory: 3072 MB (1 x 1024 MB + 1 x 2048 MB), Supports up to 4 GB DDR2 memory Hard Drive: 320 GB SATA Hard Disk Drive 5400 rpm up to 9 GB partition for system recovery Display: 12.1'' Diagonal WXGA High-Definition HP LED BrightView Widescreen Display with Integrated Multi Touch-screen (finger and digitizer pen optimized) Operating System: Genuine Windows Vista Home Premium with Service Pack 1 Graphics Card: ATI Radeon™ HD 3200 Graphics with 64MB Display Cache Memory Up to 1470 MB Total Available Graphics Memory DVD Drive: Lightscribe Super Multi DVD Writer (+/-R +/-RW) with Double Layer support Memory slot: 5-in-1 integrated Digital Media Reader for Secure Digital cards MultiMedia cards, Memory Stick, Memory Stick Pro, or xD Picture cards Camera: Webcam with integrated microphone Interfaces: 3 USB 2.0, 1 VGA port, 1 RJ45, 1 RJ-11 ethernet connector Expansion Port 3, 1 Headphone out w/ SPDIF Digital Audio, 1 mic-in, consumer IR Connectivity: Integrated 10/100/1000 Gigabit Ethernet LAN 802.11a/b/g/n WLAN, Bluetooth wireless networking, One ExpressCard/34 slot Media Software: HP MediaSmart Suite, Windows Media Player, Windows Photo Gallery, DVD Play, Windows Movie Maker, Windows DVD Maker, Cyberlink DVD Suite, Windows Media center, HP Games Console with hours of free game play Other Software: Microsoft Works and Microsoft Office Home and Student 2007 60-Day Trial Version, Microsoft Internet Explorer, Windows Mail, Adobe Reader, HP MediaSmart Suite, Digital Persona Fingerprint reader software, HP Total Care Advisor Dimensions: L22.40 x W30.60 x H3.73cm Battery: 4-cell and 8-cell Lithium-Ion (Li-Ion) battery Weight: 1.963kg

Brokenwood Verona Vineyard Shiraz 2006 - Case of 6, at Marks and Spenser
Style: Dry, full bodied Grape Variety: Shiraz (Syrah) Country: Australia Closure: Screwcap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13.5% 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

Per Una Speziale Long Wear Pressed Powder, at M&S
Long wear, light diffusing pressed powder Lasts for up to 16 hours Hypoallergenic 11g

Portfolio Assorted Bead Stretch Bracelet, at Marks and Spencer
Stretch style Assorted bead design

Autograph Essentials Sleeveless All-In-One, at Marks and Spencer
Beautifully designed and luxurious, this exclusive all-in-one is detailed with a tie fastening belt. A stunningly glamorous style statement, perfect for elegant occasions

Water Sign Bracelet, at Marks and Spenser
Stretch style Beaded design Water sign charm

Machine Washable Fine Stripe Tie, at Marks & Spensers
No more trips to the drycleaners! This striped tie is machine washable

Cotton Rich Plain Cropped Trousers, at M&S
Elegant and sophisticated, these cotton mid calf length trousers are tailored for a chic contemporary look

Recycled Stain Defence™ & Stormwear™ Fashion Skirt, at Marks & Spencers
Smart and stylish, this fashionable skirt is made from polyester from 100% recycled sources. It is treated with our unique Stain Defence™ and Stormwear™ finishes, making it resistant to water and stains

5 Pairs of Older Boys' Cotton Rich Assorted Socks, at M+S
Brighten up his underwear drawer with these fashionable assorted designs socks made with soft breathable cotton

Classic Letters 40th Birthday Card, at Marks & Spencer
Approx. size: 230 x 114mm Cover text: On your 40th birthday Inside message: Have a very special day

Petite 3/4 Sleeve Pintuck Tunic, at Marks & Spenser
Pretty and feminine, this longline tunic is made from softly draping stretch viscose for a fluid look. The floral print adds a fashionable finishing touch. Specially designed and perfectly proportioned for the petite frame

Short Sleeve Contrast Gingham Shirt, at Marks and Spencer
This fab short sleeve shirt features a stunning gingham design. A sophisticated new look, perfect for this season

Canon Digital IXUS 95 IS Digital Camera, at Marks&Spencer
Pixels: 10.0 megapixels Zoom: 3.0x optical zoom, 4x digital zoom with optical Image Stabilizer Screen: 2.5 PureColor LCD II ISO: AUTO, 80, 100, 200, 400, 800, 1600 Dimensions: W88.5 x H54.8 x D21.8 mm Weight: 120g VGA Movies: Supplement your still images with fun 30fps VGA movie clips. A Long Play mode lets you store twice as much footage on the camera's memory card Motion Detection Technology: Eliminate blur by compensating for subject motion and camera-shake PictBridge Enabled: Enables you to print images using a USB cable to connect the PowerShot A470 to a printer without a PC Face Detection Technology: Ensures superb people shots by automatically setting optimum focus, exposure, flash and white balance Red-Eye Correction: Easily removes red-eye in-camera Processor: DIGIC 4 processor drives exceptional processing speeds, responsive operation, superb image quality and colour reproduction. Richly detailed, cleaner images, even at high ISO speeds, are the result of advanced Noise Reduction Shooting Modes & Special Scenes: 14 shooting modes include Special Scenes like Sunset, Portrait and Kids & Pets, which make it easy to get great results in common shooting situations. My Colors in-camera photo effects such as Black & White can be applied during shooting i-Contrast: i-Contrast analyses a scene during shooting or playback, then boosts brightness in dark areas without blowing out light areas. This helps uncover previously hidden detail in the shadow areas of an image System requirements: Windows XP SP2-3 / Vista (including SP1), Mac OS X v10.4 - 10.5 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

Pure Cotton Retro Spot Pyjamas, at Marks and Spencers
Soft and breathable, pure cotton pyjamas are the natural choice for a comfortable night's sleep

Woven Silk Floral Dot Tie with Stain Defence™, at M & S
This woven silk tie has been treated with our stain defence™ technology giving inbuilt resistance to everyday spills, this repellence benefit is maintained after dry cleaning

Perfect Modal Blend Long Sleeve Jersey Top, at Mark & Spencers
The perfect long sleeve tee, in beautifully soft pima cotton modal. Wear it as a weekend basic with jeans, or go for some layered style

5 Younger Boys' Pure Cotton Classic Slips, at Marks and Spencer
A practical choice with a selection of colours, an easycare cotton weave translates into a practical solution for soft, easy to wear comfort

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

'Happy Birthday!' Gift Bag with Balloon, at Marks & Spencers
Send birthday wishes with lovely pink, yellow and blue blooms in an elegant cream gift bag. The mini 'Happy Birthday' balloon makes it that bit extra special Available for delivery from 1st April to 30th September 2009

Belkin Wireless G Modem Router for ADSL Broadband, at Marks & Spencer
Share your broadband ADSL connection wirelessly Transfers data at up to 54 Mbps using the 2.4 Ghz band Allows you to connect to ADSL Internet access (analogue, so not ISDN) and share your highspeed connection, data files and network peripherals without wires Built-in Modem Compatible with 802.11b and 802.11g devices Comes with Set-Up Wizard and latest wireless security features Features advanced security including WPA Pre-Shared Key, WPA (Radius Server), 128-bit WEP, and 64-bit encryption Protects your network from outside intrusions by hackers using NAT and SPI firewalls Manufacturer's Lifetime Warranty and free Tech Support Package Includes: ADSL, ADSL2, ADSL2+ Modem with Wireless G Router, RJ11 Phone Line Cord, RJ45 Ethernet Networking Cable, ADSL In-Line Filter, Power Adapter, User Manual CD, Quick Installation Guide System Requirements: Active ADSL connection with RJ11 (via filter), At least one computer with an installed wireless network interface card or adapter, TCP/IP networking protocol installed on each computer 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

DeLonghi Icona Toaster - Pearl White, at Marks and Spencer
Power 1.8kW 4 slice toaster Electronic controls: reheat, defrost, bagel and cancel All functions with neon indicator Extra lift position Variable browning controls Extra deep crumb tray Pearl white finish This product is not available for international delivery. Find out more 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

50th Glamorous Dress Birthday Card, at Marks n Spencer
Cover text: 50 Inside message: Have a wonderful birthday Approx size: 126 x 174mm

Ben 10: Sticker Action, at M&S
Go for a sticker smackdown with these cool activity books that deliver the things boys love best - aliens, automobiles and attitude!24 pages of puzzles, challenges and street style will satisfy the hippest kid. Boys can use their stickers to recreate their favourite Ben 10 episodes and Hot Wheels cars, or mix things up to create funky new designs. Customise your own car or assemble an alien army - sticker books let boys make the rules

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Household Insurance or Car Insurance, but Mark's & Spencer 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 Money Direct 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 Money Direct loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Money Direct 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 Money Direct insurance products (Household Insurance, Car 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 MarksandSpencer insurance products in document format too.