There are lots of ways to save money using M&S Finance. Not least of these is Mark & Spencers Standard Car Insurance. With M&S Finance 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 Finance, 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 Spenser, 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 Mark's & Spencer are so useful. M&S Finance 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 Finance 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 Finance Home Insurance than you will anywhere else, and you may even pay less with M&S.

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

Also, on both M&S Finance 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.

Chintz Tea Party Hand Finished Multipack of Cards, at Marks and Spencer
Pack contains: 6 cards, 2 designs Cover text: Both designs blank Inside message: Blank for your own message Approx. size: 200 x 80 mm

Pendolino Recliner, at Marks and Spencer
H104 x W71 x D97cm Reclines to L158cm Seat: H49cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Frame made from solid hardwood. 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 Solid birch feet with dark finish Manual recline mechanism for extra relaxation 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

125 Years Mug, at Marks and Spencer
Retro style Part of the Commemorative Collection, Manufacturer: Marks & Spencer

Philips Power2Go Rechargeable Power Pack, at Marks and Spencer
This power solution provides an easy way to avoid ever running out of power with any of your portable devices, including your laptop, on the go. When fully charged, this power solution is able to provide up to 60 hours of power without the need of a power outlet Due to the interchangeable connector tips that are included, this device is fully compatible with most portable devices from a very wide range of brands. Simply choose the connector tip to match your portable device Due to the interchangeable connector tips that are included, this device is fully compatible with most laptops from a very wide range of brands. Simply choose the connector tip to match your laptop Via the illuminated LEDs, you are informed about the charging status of your device. When all LEDs are illuminated you know your device is fully charged, so you can unplug it from the power outlet and prevent unnecessary energy consumption When you press the test button, the LED battery capacity indicator shows you how much power is remaining and when it's time to recharge The travel bag supplied with this device is both convenient and useful as it provides extra protection Charging via the USB outlet of a PC, laptop or USB adapter is convenient as you don't have to rely on having a suitable AC power outlet. You simply charge the power solution and have a convenient back-up supply for your portable devices on hand at all times Power output voltage: 5.6 V DC, max. 350 mA, 19 V at max 2000 mA Battery capacity: 1000 mAh (at 19 V), 3600 mAh (at 5.6 V) Battery type: Li-Polymer Charging time: 3 hours Charge current: max. 3200 mA Dimensions: H12 x W8.1 x D2.5cm Weight: 0.282 kg

M&S Arm Wall Mount with Tilt for 10-26'' TV, at Marks and Spencer
Fits LCD screens from 10-26 inches Triple pivot cantilever with tilt VESA compliant for 10-26in screens No assembly required 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 , Manufacturer: Marks & Spencer

1 Pair of Cotton Rich Footsies, at Marks & Spensers
These soft cotton rich footsies are designed to hide inside your shoes for extra comfort

Autograph Leather Side Lace Bumptoe Shoes, at M&S
Tramline design Side lace Stitch detail Square bumptoe Small block heel

Per Una Pure Cotton Floral Canvas Shopping Bag, at Marks and Spencers
A floral print makes this fashionable bag even more special. Give your look the Per Una twist!

Handcrafted Dan's Mouse Wife Valentine Card, at Mark & Spensers
Cover Text: To my wife with all my love xxx Inside mesage: To my darling Valentine xxx Approx size: 220 x 220mm

Pretty Floral Pumps Birthday Card, at Marks & Spencers
Cover text: Birthday Wishes Fancy Feet Inside message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

Leather Flip Toe Shoes, at M&S
Square flip toe Stitch detail Slip on Block heel

Single Sprung Edge Divan with 1 Large + 1 Small Drawer & Autograph F500 Mattress, at Marks and Spencers
Single Mattress (3ft): W90 x L190cm Single Divan (3ft): W90 x L190cm Mattress depth: 28.5cm Divan Height: 41cm Large Drawer: H14 x W78 x D52cm, Small Drawer: H14 x W40 x D52cm Smaller drawers at the head end are designed to open without moving your bedside table Highly responsive pocketed springs Mattress features deep pillowtop layer of Talalay latex and luxurious white fibre Mattress also features two further layers of cotton and resilient white fibre for additional support Double row of hand side-stitching to add support to the edges Spring count: 1225 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

Collezione Pure Wool Single Breasted 3 Button Jacket, at Mark's & Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

Per Una Post Surgery 2 Tone Lace Padded Bra, at Mark & Spencers
Pretty and feminine, this floral lace trim bra is made from soft microfibre fabric and gives a gently supportive fit and a flattering shape. It features 2 secure prosthesis pockets

Per Una Speziale Moisture Rich Lipstick, at Marks and Spencer
Moisture rich Hypo-allergenic

Autograph Leather Round Toe Zebra Print Pumps, at Marks and Spencer
Round toe Zebra print Slip-on Low heel Heel height: 15mm Comes in sizes 3-8, including half sizes

Blossom Jacquard Non-Wired Bra, at Marks & Spencer
Smooth and versatile, this blossom jacquard bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear.

Per Una 3/4 Sleeve Knitted Top & Scarf, at M+S
Comes with the scarf shown A fashionable knitted top featuring an open knit trim

Modal Blend Long Sleeve Top, at Marks & Spencer
Smart and stylish, this fashionable top is made from supersoft fabric that looks and feels great. Modern styling details give a contemporary edge

Collezione Apron Lace Up Shoes, at Marks and Spencers
Square toe Lace up Apron stitch detail Eyelets Block heel

Recycled Compact Umbrella, at MarksandSpencer
A practical and eco friendly choice, this compact umbrella is made from polyester from recycled plastic waste instead of oil. Using recycled materials helps to conserve the earth's natural resources and protect the environment for future generations

M&S 2 Shelf Glass TV Stand up to 43'', at Marks & Spencers
Supports LCD and plasma TVs up to 43" Toughened safety glass shelves Increased rigidity with simple home assembly Piano black finish Dimensions: H520 x W1000 x D460mm 70kg maximum top load weight 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

My First Numbers & Textures Puzzles, at Mark's & Spencer
Suitable for age 0 - 3 years 10 puzzles in total 20 pieces 5 touchable textures Animal design Hand-eye coordination and problem solving This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Oval Shell Jewellery Set, at Mark's & Spencer
3 part set Hook fastening drop earrings Stretch bracelet Clasp fastening necklace Oval shell design Necklace lengths: 43cm, extendable by 7cm For hygiene reasons, refunds will only be given in accordance with your legal rights

Autograph Monroe Headboard, at Marks & Spenser
Headboard H110cm Double: W135cm King size (5ft): W150cm Super king size (6ft): W180cm Leather upholstery Designed to fit most standard divans Mattress and divan sold separately Delivered boxed to your door. No assembly required but you will need to unpack and position the item yourself This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Flat Front Straight Leg Trousers with Wool, at Marks & Spencer
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried

Panasonic HDC-SD200 HD Camcorder, at Marks and Spencers
Pixels: 9.15 megapixels Zoom: 12x optical zoom / 30x-700x digital zoom Screen: 2.7'' Wide LCD Dimensions: H6.8 x W6.8 x D13.2cm Weight: 335g (without batteries and card) Recording Format: JPEG Motion Image: 6.21 megapixels (2.07 megapixels x 3)[16:9] Still Image: 7.95 megapixels (2.65 megapixels x 3 ) [3:2] / 7.53 megapixels (2.51 megapixels x 3) [16:9] / 6.96 megapixels (2.32 megapixels x 3 ) [4:3] Image Stabilizer: Advanced O.I.S. [Optical Image Stabilizer] Audio Recording System: Dolby Digital (5.1ch) Microphone: 5.1ch Surround, Zoom and Focus Microphone Battery: min. 1250 mAh / Lithium-Ion

Blue Harbour Pure Cotton Block Stripe Polo Shirt, at Marks and Spenser
Stylishly smart casual, this polo shirt is made from pure cotton so it's soft, breathable and comfortable to wear

M&S 7'' Portable DVD Player, at Marks and Spencer
DVD, CD all in one 7 inch screen Remote control and earbuds Includes mount to put DVD on car headrest Runs on 6 x AA batteries (not included) 2 hours battery life Flash memory card reader H15 x W20 x D2.5cm Mains supply and car cigarette lighter cable 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

2 Younger Boys' Pure Cotton Pull On Hats, at Mark's & Spencer
Add a stylish finish with these pull on cotton hats

When you're shopping at Marks & Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Finance. Offering everything from savings accounts and credit cards, to Home Insurance and Car Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."