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 Mark & Spensers, 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.

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 Spencers are so useful. M+S Money financial products are, of course, designed to make M&S 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, Property Insurance policies. Usually, UK Property 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 Property 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 Property Insurance than you will anywhere else, and you may even pay less with M&S.

Marks and Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Property Insurance or Car Insurance, but M & S 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 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 loans, credit cards or Property 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 (Property 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 & Spencers insurance products in document format too.

50 Fairtrade Double Sided Cotton Pads, at Marks and Spencer
Contains 50 pads Double faced design By buying this item you are ensuring that cotton farmers in the developing world can improve their livelihoods Click here to view a video about Fairtrade Cotton

Gardening Male Cake, at Mark & Spencers
36 portions Chocolate cake: A rich chocolate cake filled with milk chocolate ganache 20.5cm square 1.95kg total weight Chocolate cakes can be eaten up to 5 days after collection As featured on page 64 of the Food to Order brochure Not suitable for nut allergy sufferers Suitable for vegetarians Order by 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Limited Collection Cotton Rich Animal Print Padded Bra, at Marks & Spencers
Fun and fabulous, this cotton rich bra is part of our Limited Collection lingerie. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion.

Stylish Text Our Anniversary Card, at Marks & Spenser
Cover text: With love on our Anniversary Inside message: Blank for your own message Approx size: 220 x 220mm

Artificial Lily & Rose Cylinder Vase, at Marks & Spencers
Our beautiful artificial flowers look just like the real thing and are fabulous for brightening up your home all year round

Wooden Push Along Elephant Toy, at Marks & Spencer
Suitable for ages 0-3 years Elephant design Push along feature Approx 12cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Footglove™ Widefit Wedge Shoes, at Marks and Spenser
Square toe Riptape fastening Wedge heel Comes in sizes 3-8, including half sizes Footglove™ soles are comfortable, highly flexible and lightweight

Autograph Essentials Vintage Rose Embroidered Shorts, at Marks and Spencer
Elegant and feminine these flattering shorts feature rose embroidered details. The modern low leg hipster styling gives a shapely fit. Beautiful exclusive lingerie

Chablis Premier Cru Fourchaume 2005 - Case of 6, at Mark's & Spencer
Style: Dry Grape variety: Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

M&S 50 Laminator Pouches, at Marks and Spenser
Pack of 50 A4 size Clear laminator pouch quality ensures true to original colour reproduction Can be used for photo documents 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

Official British & Irish Lions Tie - Pure Silk Woven Multi Stripe Tie, at Marks & Spencers
M&S is the official formalwear supplier to the British & Irish Lions for the squad's summer 2009 tour of South Africa. Share our pride and show your support with this luxurious pure silk, multi stripe tie British & Irish Lions official formalwear supplier - We're proud to be an official supplier to the British and Irish Lions Tour 2009. Click here to see the squad in action with M&S

Autograph Styled Embroidered Padded Bra, at Marks and Spencer
Stunningly stylish this padded bra features floral embroidery. The demi-cup style is ideal for wearing with low necklines and the gentle padding and underwiring give a flattering shape. Beautiful exclusive lingerie

Natural Ceramic Bulbous Vase, at Marks & Spencers
Bottle shape Broad base H20.5 x 25cm diam 0.6Kg, Manufacturer: Marks & Spencer

Autograph Suede Punch Stitch Slip-On Shoes by Jeffery-West, at Marks & Spencers
Square toe Slip-on Punch stitch detail Block heel

Pure Cotton Candy Stripe Bedset, at M&S
Candy stripe design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases, Manufacturer: Marks & Spencer

4 Pavilion Platinum Band Mugs, at Marks & Spencer
Set of 4 Platinum band in centre Sleek handle Height: 8.5cm, Manufacturer: Marks & Spencer

Summer Weight Flat Front Trousers, at Marks & Spencers
With a modern, flat front silhouette combining comfort and style, these dapper trousers add versatile appeal to your formal wardrobe, maintaining your smart look throughout the day

Small Spencer Bear, at Marks and Spenser
Scarf detail Stitch detail on paw pads Suitable for ages 12 months + This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Per Una Notched Leather Belt, at Marks & Spencer
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

Pure Silk Applique Cushion, at Marks & Spencer
Square shape Applique design L50 x W50cm, Manufacturer: Marks & Spencer

Cotton Rich Low Rise Star Print Shorts, at Marks & Spencers
Low rise shorts are perfect for wearing with hipster styles and these stylish star print shorts are shapely and modern. Added stretch gives a comfortable, flattering fit

Woodphotoframes - MULTI APP DESK, at Marks and Spencers
Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Jacquard Print Top, at MarksandSpencer
A fashionable 3/4 sleeve jacquard print top in a soft cotton blend fabric, featuring empire line with tie feature

Adored Pure Cotton Stripe & Spot Print Pyjamas, at Marks&Spencer
Stylish and elegant, these flattering 3/4 sleeve pyjamas are part of our feminine Adored collection. They're made from pure cotton for the ultimate in comfort

The Floral Collection Magnolia Moisturising Hand & Body Lotion, at Marks & Spencer
Hand and body moisturising lotion 250 ml

Lock and Seal 3 Piece Container Set, at Marks and Spencer
3 piece container set Each container with own lid Compartment separators Fully sealable to keep food fresh, Manufacturer: Marks & Spencer

Limited Collection Bow Clutch Bag, at Marks and Spencer
Fashionable and fabulous, this bow clutch bag is designed in one of this season's key shapes. It's a practical as well as trend-conscious accessory. Get the latest look!

3 Pairs of Newborn Cotton Rich Assorted Socks, at Marks & Spensers
Brighten up his underwear drawer with these fashionable assorted design socks made from soft breathable cotton rich fabric

Classic Collection Floral Print Nightdress, at Marks and Spencer
Fresh and feminine, this nightdress is made from a soft cotton blend so it feels comfortable to sleep in. The floral print adds a pretty touch

Royal Horticultural Society Yellow Watercolour Flowers Blank Card, at Marks n Spencer
Cover text: Just to say... Inside message: Blank for your own message Approx. size: 150 x 150mm About the RHS: The RHS is dedicated to advancing horticulture and helping all gardeners. An interest in gardening is all you need to enjoy being a member of the RHS. For more information call 0845 130 464, or visit www.rhs.org.uk

When you're shopping at Marks and 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 Money. Offering everything from savings accounts and credit cards, to Property Insurance and Car Insurance, there's a lot more going on at MarksandSpencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M+S Money. 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 Money, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M+S Money 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."