There are lots of ways to save money using M+S Money. Not least of these is Marks & Spencers Standard Car Insurance. With M+S Money 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, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from Marks & 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.

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 & 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 Marks & Spencer, through its M+S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Home Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks and Spencer are so useful. M+S Money financial products are, of course, designed to make Marks and Spencer a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Home Insurance policies. Usually, UK Home Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M+S Money Home Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M+S Money Home Insurance than you will anywhere else, and you may even pay less with M&S.

Autograph Pure Cashmere Fingerless Gloves, at Marks & Spencer
Fab and fashionable, these long fingerless gloves in supersoft cashmere will give any outfit a cool contemporary twist.

Autograph Pure Silk Assorted Stripe Tie, at Marks n Spencer
Fashionable and contemporary, this pure silk tie is part of our exclusive Autograph collection. Designer style and luxury at high street prices

Firm Control No VPL Multiway Body, at Marks & Spencer
Look slimmer in seconds! This firm control body gently shapes your figure all over for a smoother, sleeker silhouette with no VPL. The versatile multiway style can be worn strapless, halterneck, cross back or one-shoulder

Make Your Own Watch Set, at Mark & Spensers
Suitable for ages 5+ Adult supervision recommended Set includes: 5 changeable faces & 7 different straps This product conforms to the 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

Magnetic First Words Days Out Book, at Marks and Spencers
Choose a quiet time to enjoy this book with your child, helping them to match the magnetic word tiles to the printed words on the pages. Talk about each lively scene and find magnetic word tiles to label the pictures. As your child gains confidence, encouraging them to use the magnetic word tiles to make simple sentences in the space provided on each page

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

Ceriso Frill Fan Padded Balcony Bra, at M&S
Feminine and fashionable, this modern bra features a fan print and is finished with a frill trim. The padded balcony style gives maximum uplift and a fabulous fuller shape. Designed for women who want the latest look

Ultimate Non-Iron Pure Cotton Sateen Stripe Shirt, at Marks & Spencer
An innovative shirt in pure cotton. A special fabric finish and clever construction mean there is no need to iron this smart easycare shirt

Clear Salt & Pepper Condiment Mills, at Marks & Spensers
Pack of 2 Salt and pepper mills Screw top design H14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Quad Blusher, at Marks&Spencer
4 x blushers Includes compact mirror inside

Luxury Pure Cotton Long Sleeve Stripe Shirt, at Mark's & Spencer
Offering a timeless appeal, the soft twill finish of this pure cotton shirt provides easy to wear comfort, while the traditional cut makes it an essential part of any smart wardrobe

Autograph Wool Rich Funnel Neck Coat, at Marks & Spensers
Beautifully designed and finished, the classic funnel neck trench coat is given a modern update with contemporary styling

Autograph Pure Silk 3 Layer Short Sleeve Top, 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

5 Cool & Fresh Cotton Rich Assorted Slips, at Marks & Spencer
Made from soft breathable stretch cotton, these comfy slips are ideal for everyday wear.

Coloured Ovals Slim Diary, at Marks and Spencers
Week to view Approx. size: 165 x 80mm

Stormwear™ Quilted Coat, at Marks & Spencer
Fashionable and practical, this quilted coat is warmly padded and partly lined with fleece. It's treated with our unique Stormwear™ technology which repels water and stains. Storm cuffs help keep arms warm and hold on gloves

°Climate Control Check Flat Cap, at Marks n Spencer
Climate control keeps you cool when you're hot and warms you up when you're cold so you're always at your optimum temperature. Exclusive to M&S, Climate control clothing is comfortable and breathable - ideal for sportswear. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology. Perfect!

High School Musical 2 Soundtrack CD, at Marks and Spencer
Audio CD, Marks & Spencer

Classic Ceramic Tumbler, at M & S
Ceramic tumbler Chrome effect Wall mountable H14 x W11 x D10cm, Manufacturer: Marks & Spencer

Per Una Pure Cotton Stripe Nightdress, at M&S
Modern and feminine, this pretty 3/4 sleeve nightdress features a stripe design. It's made from pure cotton so you can relax in comfort and style. Part of Per Una's sleepwear collection

Per Una Check Skirt with Belt, at Marks & Spensers
A fashionable maxi length skirt featuring a check design and ruffle detail

Portfolio Drop Earrings, at Marks and Spencers
Hook fastening Drop style Facetted bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

2 Easycare Assorted Shirts & Tie Set, at Marks and Spencer
Smart style for less! This pack of 2 shirts and tie is outstanding value

Limited Collection 3/4 Sleeve Suede Jacket, at Marks & Spencers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Panasonic SC-PT470 DVD Home Theatre with iPod Dock, at Marks and Spencer
1080p Up-Conversion with HDMI Number of Output Channels: 5 + Subwoofer (5.1) Output Power : 1000W (RMS) Styling to match Panasonic Viera Flat Panel Televisions and Easy to Use VIERA Link Theatre Integrated Universal Dock for iPod Enjoy Your iPod Music & Video Built-in Dolby Digital, Dolby Pro-Logic II and DTS Decoders USB Terminal for MP3, WMA, JPEG and MPEG4 Playback Front speaker dimensions: W9.2 x H12.8 x D8.1cm Centre speaker dimensions: W12.5 x H9.4 x D8.1cm Surround speaker dimensions: W9.2 x H12.8 x D8.1cm Subwoofer speaker dimensions: W15.3 x H41.5 x D25.7 cm

TomTom One IQ Routes™ Edition Regional Satellite Navigation System, at M & S
Maps: Full door to door maps of the UK & Ireland Display: 3.5'' touch screen Safety Camera Database: Comes with fixed safety camera alerts pre-installed, to help you to drive more safely and responsibly Easyport™ Mount: EasyPort™ mount folds neatly onto the back of your device, making the whole navigation package fit into your pocket, bag or glove compartment Latest Map Guarantee: The latest map guarantee keeps you right up to date. If a new version of any map on this device is released within 30 days of your purchase, you can download a new one via TomTom HOME for free TomTom Mapshare™ Technology: Make corrections to your own map and benefit from thousands of corrections made by TomTom users every day - free of charge Updates from TomTom HOME: Get new software and download new maps via TomTom Home site, includes free and subscription services Sound: Loud and clear voice instructions Points of Interest: Pre-installed map has Points of Interest from petrol stations to hotels. Can be updated via TomTom HOME Traffic-Ready: Compatible with TMC Traffic Receivers, so your route can be altered to avoid the traffic ahead Plug & Go: Just plug in and tap the touch screen to begin using the intuitive user friendly interface Advanced lane guidance: Gives you extra clarity when navigating difficult junctions IQ Routes™ technology: Get a faster route to your destination, up to 35% of the time QuickGPSfix™: Get a faster route to your destination, up to 35% of the time Speeding alert: Alerts you that youre speeding, even if you''re not in navigation mode Help Me! menu: You can find help with local emergency service information at your fingertips. From hospitals to roadside assistance, this information will be useful in any area Accessories: Comes with USB car charger and USB cable Dimensions: 92 mm x 78 mm x 25 mm Weight: 140 grams TomTom Ticket 2 Drive savings when you purchase this product before 30th September 2009

Autograph™ Friendship Gift Bag, at Marks & Spenser
This luxurious display of 10 sumptuous friendship roses is beautifully enhanced by leucadendron and hypericum berries. Set in a stylish black gift bag, it's a truly striking gift Available for delivery from 1st April to 30th September 2009

Sterling Silver Filigree Heart Drop Earrings, at Marks & Spencers
Hook fastening Drop style Filigree heart design

BT Studio 3500 Cordless Phone with Answering Machine, at Marks & Spenser
50 name and number phonebook - assign different melodies to phone numbers Caller display stores your last 40 numbers and will display their name and number each time they call 10 last number redial Secrecy facility - allows you to talk to someone else in the room without the caller hearing Earpiece, base station and handset ringer volume control Choice of 5 handset and 5 base ringer melodies Display language options GAP compatible - register a maximum of 5 handsets Talktime up to 10 hours, 30 minutes/standby time up to 160 hours Range of up to 300 metres outdoors/50 metres indoors Low battery and out of range warnings Switchboard compatible Answer machine with upto 13 minutes digital recording time Pre-recorded outgoing messages - Answer and Record, and Answer Only Private playback via the handset Call screening/call intercept Memo facility Answer machine remote access Includes: 2 rechargeable batteries, mains power adaptor, telephone line cord for base station 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

Metallic Glaze Soap Dispenser, at Marks & Spensers
Metallic glaze design Pump action, Manufacturer: Marks & Spencer

Besides Mark & Spensers Car Insurance, M+S Money Credit Cards and other financial products, M+S Money Home 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 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 and Spencers purchases are also protected while you take them home.

Also, on both M+S Money Premier Home Insurance and Standard Home 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.