There are lots of ways to save money using M&S Money. Not least of these is Marks and 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 & 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.

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 & 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, Buildings & Contents Insurance policies. Usually, UK Buildings & Contents 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 Buildings & Contents 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 Buildings & Contents Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings & Contents Insurance or Car Insurance, but MarksandSpencer 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 website. With a simple, no-hassle service, you can compare features between a number of Marks & Spencers Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money loans, credit cards or Buildings & Contents Insurance - besides a number of other insurance products, M&S Money 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 insurance products (Buildings & Contents 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 Marks & Spenser insurance products in document format too.

Blue Striped Medium Gift Bag, at Mark & Spencers
Stripe design Wooden toggle fastening Contains: 1 gift bag Approx size: H260 x W200 x D90mm

Bubble Bullet Glass Vase, at Marks n Spencer
Bullet design Hand made Thick base Bubble base design H31cm, Manufacturer: Marks & Spencer

Malabar Nest of Tables, at Mark's & Spencer
Set of 3 H61 x L63 x W46cm (largest) Made from solid mango wood Protective low-sheen lacquer finish for added durability Legs made from solid wood 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 , Manufacturer: Marks & Spencer

5 Pure Cotton Plain Midi Knickers, at Marks and Spencer
Made from pure natural cotton, these plain briefs are cool, comfortable, breathable and perfect for everyday wear

Leon De Oro Cabernet Merlot 2006 - Case of 6, at Marks & Spenser
Style: Full bodied Country of origin: Chile Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14.5% vol. Alcohol units per bottle: 10.9 Alcohol units per 125ml: 1.9 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Text Son Birthday Card, at Marks and Spencer
Cover text: To a very special Son Inside message: Have a great day! Approx size: 150 x 150mm

Travel Essential Pop Up Brush, at Marks and Spencer
Compact Fold away Internal mirror

Blue Harbour Luxury Plain Shirt with Silk, at Marks & Spencers
Stylishly smart casual, this comfortable shirt looks great dressed up or down

Split Neck Short Sleeve Cover Up, at Marks and Spencer
Feminine and fashionable, this flattering cover up is designed in the latest shape. The ultimate in poolside glamour

Petite 3/4 Sleeve Plain Shirt, at Marks and Spencer
This outstanding value 3/4 sleeve button top makes a stylish addition to your wardrobe. A great fashion choice for everyday wear

Robot Grandson Birthday Card, at Marks & Spenser
Cover text: Grandson, Happy Birthday Inside message: Have a great day! Approx size: Unfolded: 215 x 150 mm

Bamboo Tumbler, at MarksandSpencer
Square shape Bamboo design Approx size: H7 x W7 x L11cm, Manufacturer: Marks & Spencer

Signature Ginger Lily Scented Filled Candle, at Marks & Spencers
Ginger lily fragrance Glass holder Burns up to 40 hours, Manufacturer: Marks & Spencer

3 Pure Cotton Long Sleeve Assorted Tops, at MarksandSpencer
Cute and practical, this pack of 3 tops is great value. The soft cotton fabric will keep her happy and comfy

Portfolio Brush Stroke Scarf, at Marks and Spenser
This sophisticated lightweight scarf is the perfect accessory to this season's fashions. The brush stroke detail adds a stylish finishing touch

Autograph Faux Fur Coat, at Marks and Spencers
Cute and cosy, this warmly padded coat is made from soft fabric to keep her feeling comfy. With luxury in every detail, this is part of our exclusive Autograph collection

Small Chrome Case Clock, at Mark's & Spencer
Simple design Quartz accuracy High shine chrome finish Metal case, glass lens Contemporary dial A quartz clock keeps time by the vibrations of a quartz crystal. It is judged to be the most accurate timepiece now on the market, losing or gaining only a minute a year, compared with one or two minutes a week for most other watches Case H20 x W20 x D4cm, Manufacturer: Marks & Spencer

White Pearl Damask Small Wedding Photograph Album, at M&S
Contains: 1 album, 105 glue dots, gift box, 700Mb CD-R Album: H155 x W200 x D33 mm Box: H168 x W215 mm x D40 mm

Pure Cotton Satin Rose Duvet Cover, at M&S
Embroidered rose detail Slim pleat trim, Manufacturer: Marks & Spencer

North Coast Pure Cotton Chinos, at Mark's & Spencer
A stylish smart casual look, these plain chinos are made from soft cotton and designed for a fashionable and comfortable relaxed fit

Oven Tray, at Marks and Spencer
Rectangular Premium non-stick coating, Manufacturer: Marks & Spencer

Little Sweetheart Quilt, at Marks and Spenser
Patched Heart design, Manufacturer: Marks & Spencer

Classic Collection Pure Merino Wool Floral Corsage Jacket, at M&S
Smart and modern, this luxurious pure merino wool jacket is cleverly cut for a flattering fit. Floral corsage detail adds a stylish finish

Leaf Design Quilted Bedcover, at M&S
Leaf design Quilted Ruched detail L250 x W265cm, Manufacturer: Marks & Spencer

Stonier Reserve Pinot Noir 2006 - Case of 6, at Marks & Spensers
Style: Dry, medium bodied Grape variety: Pinot Noir Country of Origin: Australia Closure: Screw cap 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

Flowers by Post - 10 Longiflorum Lilies, at M&S
Classically elegant, these beautiful lilies give long-lasting beauty and fragrance. Flowers by Post is a great value way to spoil someone you know - or yourself

Ultimate Brain Puzzle Book, at MarksandSpencer
Flex your brain power with this Ultimate Brain Puzzle Book. It features 700 brain training exercise and includes a pen too

Stripe Print Tankini Top, at Marks & Spencer
Feminine and fashionable, this stylish tankini top features a striking stripe print. A sleek, shapely look

Sonoma Office Desk Tidy, at Marks & Spencer
2 drawers Fixed glass shelf Both desk tidy and desk are pictured. Desk sold separately H16 x W106 x D22.5cm This product is not available for international delivery. Find out more SAVE ON SETS Save at least 25% when you buy this desk tidy as part of a set. Click here to view the Sonoma Office Collection Set. , Manufacturer: Marks & Spencer

2 Non-Padded Underwired Bras, at Marks & Spencers
Soft and comfortable, this pack of 2 non-padded bras are great value. They're designed to give gentle support and a flattering fit

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 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 Mark's & 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 Buildings & Contents Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.