There are lots of ways to save money using M+S Money. Not least of these is M&S 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 and 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 Marks & Spencers Money, you get more, and you pay less.

M+S Money 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 Buildings & Contents 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 Buildings & Contents 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 Money 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 M&S are so useful. M+S Money financial products are, of course, designed to make Marks & Spensers 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.

Lesley Garrett - Amazing Grace CD, at Marks & Spenser
Audio CD, Marks & Spencer

The Little Mermaid Special Edition DVD, at Marks and Spencer
Rating Universal, suitable for all,

Pure Cotton Spa Tonal Stripe Towel, at Marks & Spencers
Tonal stripe design Hand towel: L90 x W50cm Bath sheet: L137 x W70cm Bath towel: L178 x W86cm, Manufacturer: Marks & Spencer

M&S 900W Combi Microwave with Grill, at Marks & Spencers
23-litre interior capacity 10 variable power levels, including defrost 900W microwave power output, 1000W grill Heating category E (MAFF rating for cooking time) Dimensions: H28 x W48 x D39cm Stainless steel external cavity 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 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

Autograph Pure Cotton Stripe Hooded Cardigan, at Marks and Spencers
Knitted in pure cotton, this cute hooded cardigan will keep him warm and comfy. It looks cuddly too! With luxury in every detail, this is part of our exclusive Autograph collection

Lightweight Check Design Tassel Scarf, at Mark's & Spencer
This sophisticated check design scarf is the perfect accessory to this season's fashions. The tassel edges add a stylish finishing touch

Sprung-Edge Non-storage Divan & F300 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: 25cm Divan Height: 41cm 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

Double Cut Floral Glass Vase, at Mark & Spensers
Fluted spout Floral design Thick base W14.5 x D14.5 x H20cm, Manufacturer: Marks & Spencer

Long Sleeve Ribbed Trim Satin Button Cardigan, at Marks & Spensers
Casual and modern, this cardigan features satin buttons. A versatile, easywear style

Mechanical Motorbike Birthday Card, at Marks & Spenser
Cover Text: Happy birthday Inside Message: Have a great day! Approx size: 135 x 135mm

Sony Bravia 32'' KDL-32W5500 HD Ready LCD TV, at Marks & 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 32 inch viewable screen and a display resolution of 1920 x 1080 pixels Dynamic Contrast: 80000:1 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: W79.8 x H58.5 x D25.9cm, without table stand: W79.8 x H53.7 x D8.9cm Weight: weight inc. stand 15kg, weight without stand 12.5kg Dolby Virtual Surround and BBE Digital: Experience the effect of digital surround sound from only two front speakers 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 1, 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 2, RF In, Scart Inputs (RGB) x 2, 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 Xross Media Bar: New Sony interface to enhance the operability and ease of use Picture Frame Mode: Not watching TV? Turn it into a digital photo frame to display your own pictures or the 6 pre-installed images BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button 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 Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Urbino Storage Footstool, at Marks and Spencers
H46 x W56 x D56cm (all dimensions are approximate) Top cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions 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 a dark finish All of our fabrics are treated with Stain-Defence& trade; - 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

Château Panchille Bordeaux Supérieur 2005 - Case of 12, at Marks & Spensers
Style: Full bodied Grape variety: Merlot, Cabernet-Franc, Cabernet Sauvignon Country of origin: France Closure: Natural cork 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

Autograph Pure Cotton Bomber Jacket, at Marks & Spensers
Beautifully designed and finished, the classic bomber jacket is given a modern update with contemporary styling

Cookies Book, at Marks and Spencers
Everybody loves chocolate chip cookies but how about creating a whole range of cookies and biscuits with great new combinations of tastes and textures: almond and plum crescents, iced marshmallow butterflies or some snickerdoodles! Here are over 50 fantastic ideas that will have you rushing for your baking tray immediately

Dinner Candle Holder, at M & S
Fluted opening Two tone glass design Long stem Wide base Hand decorated H33 x Diam: 8.8cm Weight: 0.45kg, Manufacturer: Marks & Spencer

Portfolio Sleeveless Stripe Jersey Dress, at Marks and Spencer
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Long Sleeve Butterfly Beaded Top, at Marks and Spenser
A butterfly beaded design adds a pretty touch to this top.

Dora The Explorer Adventure Sticker Book, at Marks and Spencers
Join Dora on her journey into Fairytale Land to help find a princess to wake up Boots from his deep, deep sleep. Follow the story and get involved with 40 re-usable stickers inside

Pure Cotton 3/4 Turn-Up Sleeve Check Shirt, at M+S
Smart and stylish, this 3/4 turn-up sleeve shirt is made from cool comfortable cotton and features front pockets and check print

Sweet Bergamot Pot Pourri Box, at Marks and Spencer
Sweet bergamot fragrance Presented in a box, Manufacturer: Marks & Spencer

2 Pairs of Assorted Spot Design Socks, at Marks & Spensers
Designed for essential comfort and breathability, these assorted spot design socks are outstanding value

Pure Cotton Floral Embroidered Jeans with Belt, at Marks & Spencer
Embroidered detail gives a pretty twist to these fashionable jeans

Per Una Linen Pintuck 3/4 Sleeve Blouse, at Marks and Spenser
A fabulous 3/4 sleeve blouse in pure cool linen featuring pintuck front detail

Ashton Dressing Table & Stool Set, at Marks and Spencers
2 piece set Dressing table: H112 x W78 x D45cm 3 drawers Stool: H50 x W47 x D39cm Made from solid poplar and rubberwood All joints are glued and pressed together in the factory, giving more inherent strength than flat pack fittings Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item 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

Duck Feather & Down 10.5 Tog Duvet, at M&S
10.5 tog Ideal for Spring and Autumn use, or all round use in homes with central heating 230 thread count and 100% cotton downproof cover Excellent value for money, natural duck feather and down filling ensures a soft and comfy night's sleep Pure cotton cover Highest quality class 1 duck feather down Which tog? Tog measures the warmth of a duvet based on its ability to trap warm air. The higher the tog rating, the warmer the duvet. The perfect tog is a personal choice which can depend upon you and your home, Manufacturer: Marks & Spencer

High School Musical 2: Non-Stop Party CD, at M&S
Audio CD, Marks & Spencer

Dualit Hand Blender with Accessories - Cream, at Marks & Spencers
500 watt motor Pulse plus button - 17000rpm Variable speed control - 9000 to 16000rpm Dishwasher safe functional parts Easy grip soft touch handle Two gear boxes Stainless steel, longlife blades Dualit moulded Plug Detachable blending stick for easy cleaning Accessories include: Chrome plated beaters, stainless steel whisk, stainless steel 500ml capacity beaker with stay fresh lid, mini chopping bowl Dimensions: H38cm 500 ml capacity jug 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

Diamanté Towelling Mule Slippers, at MarksandSpencer
Mule style Diamant detail Slip-on

3 Pairs of Sheer Assorted Net Design Socks, at Marks & Spenser
The ultimate in stylish net design, these ankle high socks have added stretch so they'll always stay in shape. They're finished with a reinforced sole and toe section so toes won't get caught in the netting

Shopping for financial products at M+S Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the M+S Money website:

• M&S Insurance: M&S Car Insurance, M&S Buildings & Contents Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks and Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M+S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M+S Money website.