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

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 Car 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; Car Insurance and Home 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 Home 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.

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 Financial Services financial products are, of course, designed to make Marks and Spencers 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 Financial Services 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 Financial Services Home Insurance than you will anywhere else, and you may even pay less with M&S.

3 Pairs of Ultimate Comfort Socks, at Marks and Spencer
Get a fabulous, fashionable look with these ultimate comfort socks. They're made from comfortable soft stretch fabric for a great fit and shape retention

Pure Cotton Short Sleve Checked Top, at Marks & Spensers
This fashionable top features a stylish check design for a fab contemporary look

Print Your Own Wedding Stationery: Die Cut Pink Heart Menu / Order of the Day, at Mark & Spensers
Pack contains: 10 x order of the day / service or menu cards, 12 x folded insert sheets, 10 ribbons, 1 sheet of glue dots and an instruction leaflet It's as easy as 1, 2, 3! 1. Follow the easy steps on the CD-ROM to create your personalised invitations. Print the insert sheets 2. Use the glue dots to secure the inserts inside the cards 3. Glue on the ribbon and tie in a bow to secure N.B. The CD-ROM is not included in the pack and is available separately Spend 10 on 'print your own' stationery and receive the CD-ROM FREE Approx size: 218 x 154mm

Harvard Aftershave, at Marks and Spencer
100ml This product is not available for international delivery. Find out more

Girls Limited Pure Cotton Sleeveless Swirl Dress, at MarksandSpencer
Part of Girls' Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

5 Pairs of Older Boys' Assorted Design Socks, at Marks & Spencer
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton blend fabric

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

Ceriso Lace Trim Animal Print Padded Bra, at Marks n Spencer
Sassy and glamorous, this modern bra is beautifully detailed with an animal print and lace trim. Soft padding and underwiring give great support and a flattering enhanced flattering shape. Designed for women who want the latest look

Antigua Large 2-Seater Sofa, at Mark & Spencers
H97 x W188 x D101cm Seat H50cm, arm H63cm, top back rail H79cm (all dimensions are approximate) Seat cushions made from Quallofil Extralife filling Other cushions made with polyester fibre Cushions are reversible Cushions covers are removable Frame made from solid hardwood wrapped with banana fibre. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Wooden feet wrapped with rattan All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Cotton Rich Bootleg Corduroy Trousers, at Marks & Spencers
Flattering and feminine, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely silhouette. Added stretch gives the perfect fit

Embossed Pink Roses Birthday Card, at Mark's & Spencer
Cover text: Best wishes Inside message: Blank for your own message Approx size: 150 x 150mm

Younger Girls' Walkmates Assorted Strap Sandals, at Marks n Spencer
Open-toe Buckle fastening Contrast stitching Flat sole

Cotton Rich Stripe Scarf, at Mark's & Spencer
Keep out the cold in style with this warm, soft scarf

2 Pairs of Older Girls' Cotton Rich Plain Long Socks, at Marks and Spencer
Ideal for school, these soft cotton rich socks make a comfortable, practical choice

Sony Bravia 22'' KDL-22E5300 HD Ready Picture Frame LCD TV, at Marks and Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: LCD Sony Bravia Engine 3 with a 22 inch viewable screen and a display resolution of 1366 x 768 pixels Integrated Digital & Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: With table stand: W58.6 x H39.7 x D15.6cm, without table stand: 58.6 x 37.8 x 9.0cm Dolby Digital and S-Force Front Surround: Experience the effect of digital surround sound with our advanced S-Force Front Surround technology Connectors: Digital Audio Output (optical) x 1, HDMI™ Inputs x 4, HDMI™ PC Signal Capability, PC Input (15pin D-Sub) + Audio In, Component Inputs x 1, Composite Video In x 3, 4 Pin (Y/C) In (S Video), USB 2.0 Input, MiniJack (Head/Earphone) 3.5mm, PCMCIA Card Slot, RCA Audio Out, Analogue Audio Inputs x 5, RF In, Scart Inputs (RGB) x 1, BRAVIA Sync, DLNA Ethernet (Video/Music/Photo), AppliCast™ BRAVIA Engine 3: Enjoy images with impressive depth and clarity, optimal contrast, vibrant colours and truer-to life tones with BRAVIA ENGINE 3 24p True Cinema: Shows images at 24 frames per second just like a real cinema screen Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures Use wall mount T042101 to perfectly mount this TV

Sprung-Edge Non-storage Divan & M100 Mattress, at Marks&Spencer
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 21.5cm Divan Height: 41 Mattress has dust-free polyester fibre filling Mattress Spring Count: 288 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

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

Chunky Mixed Bead Necklace, at M&S
Rope necklace Chunky mixed beads Clasp fastening Necklace length: 97cm

3 Pairs of 60 Denier Opaque Tights, at M+S
Complete with added stretch for shape retention and essential comfort. These simply outstanding tights are a terrific option for ensuring your legs look and feel their everyday best

His & Hers Card Game, at Marks and Spencers
Number of players: 2 teams, 2 female players, 2 male players Suitable for ages 14+ Pack contains: 60 male question cards, 60 female question cards, score pad, pencil, sand timer and instructions Approx. card size: 89 x 59mm This product conforms to the EN71 and the Toy Safety Directive This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Portfolio Twist Sleeve Top, at Marks & Spencer
Part of Portfolio's Mimosa trend. A beautifully elegant look featuring chic, muted tones such as cocoa, mink, saffron and purple. Striking prints are key to this feminine trend

Philips HQ8260 Electric Shaver, at Marks & Spencers
Super lift and cut technology: The dual blade system lifts hairs to cut comfortably below skin level Reflex action system: Automatically adjusts to every curve of your face and neck Precision cutting system: Ultra-thin heads with slots to shave long hairs and holes to shave the shortest stubble Smart touch contour-following Speed-XL shaving heads Pop-up trimmer Washable Corrosion-free heads Hair collecting chamber Anti-slip grip Replacable head

Casa Leona Sauvignon Blanc 2008 - Case of 12, at M&S
Style: Dry Grape variety: Sauvignon Blanc Country of origin: Chile Closure: Synthetic closure Suitable for vegetarians Bottle: 12 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

The Bourne Ultimatum Blu-ray DVD, at Marks and Spencers
Rating Suitable for 12 years and over,

Sprung-Edge Non-storage Divan & M300 Mattress, at Marks and Spenser
Single Mattress (3ft): W90 x L190cm Double Mattress (4ft 6in): W135 x L190cm King Size Mattress (5ft): W150 x L200cm Super King Size Mattress (6ft): W180 x L200cm Single Divan (3ft): W90 x L190cm Double Divan (4ft 6in): W135 x L190cm King Size Divan (5ft): W150 x L200cm Super King Size Divan (6ft): W180 x L200cm Mattress depth: 24cm Divan Height: 41cm Mattress filling made from resilient foam and polyester fibre Mattress has reinforced side stitching giving greater edge support Individually pocketed springs Mattress Spring Count: 896 Sprung-Edge divan - can be used with any mattress All mattresses and divans are anti-allergy protected Mattress does not require turning All mattresses and Divans are manufactured in the UK A sample mattress is subjected to 3 rigorous tests to ensure it remains comfortable. Surface fabric is rubbed 15,000 times against a hard surface to test resistance to wear. Mattress is pounded by a machine 80,000 times to replicate the movements of a human torso and subjected to 20,000 rolls of a roller machine to simulate the rolling motion of a sleeping person Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pure Cotton 3/4 Sleeve Square Neck Top, at Marks and Spencer
For casual elegance, you can't beat this stripe square neck top. A great value cotton essential

Nintendo DS™ Sega Superstars Tennis, at Mark & Spencers
Gamesworlds, cameos, unlockable and extras all to be found exclusively in the Sega Superstar series! Some of the greatest starts in video games, competing in one action packed game. Featuring Segas greatest heroes and including characters in high definition glory for the first time Lets play crazy tennis! A unique take on tennis Planet Superstar: Take to the tour and travel around Segas favorite game worlds with a host of modes and secrets to discover Sega Legends: Plays as or against over 15 of Segas greatest heroes, each with their own unique Superstar Tennis skills! Fantastical Sega courts: Featuring hilarious cameos and NPCs from Sega World to cheer on the games Platform specific features: Including online modes on selected platforms More game modes and content to be announced 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 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, Platforms: Nintendo DS, ESRB Rating: Everyone

Footglove™ Wide Fit Leather Stretch Trouser Shoes, at MarksandSpencer
Square toe Elasticated stretch feature Slip on Mid heel Heel height 46mm Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Pure Cotton Faux Fur Hooded Top, at Marks & Spencer
Relaxed and casual, this comfortable faux fur hooded top is made from pure cotton and features a contrast stitch detail. A great value easycare style.

Blue Harbour Cotton Blend Lightweight Check Chino Shorts, at M&S
Think smart on those warmer days and nights with the design of these check print shorts. Pair with sandals and a T-shirt or team with a short sleeve shirt and boat shoes for a dressier casual look

Besides Marks and Spencer Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services 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 Financial Services 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 Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services 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.