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

Marks & Spencer Money offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately Marks & Spencer Money Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks and Spencer 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from Marks & Spencer Money UK and European Breakdown Cover, since it covers you as a passenger too.

Marks & Spencer 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 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, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Blue Harbour Pure Lambswool Argyle Jumper, at Mark & Spensers
An extremely comfortable jumper. It's made from extrafine lambswool which is spun for the softest feel. Conveniently, it can be machine washed and tumble dried and it resists bobbling

Duo Twist Platinum-Plated Rings, at Mark & Spensers
An elegant display of understated glamour puts this gorgeous platinum plated ring in a class of its own

Pure Cotton Tatty Teddy Flower Top, at Marks & Spensers
Fans of Tatty Teddy will love this pure cotton t-shirt featuring the popular character. A practical, easycare style

Autograph Milan Soap Dish, at Mark's & Spencer
Dipped centre Wall mounted Approx size: W10.6 x L7 x D1.3cm, Manufacturer: Marks & Spencer

Lucie Strand Drop Earrings, at M&S
Hook fastening Drop style Bead design

Girls' Fashion Schoolwear - Stain Defence™ Bootleg Trousers, at Marks and Spencers
Fashionable as well as practical, these stylish trousers are treated with Stain Defence™ which repels everyday stains. Stretch fabric gives a comfortable and shapely fit

3 Pairs of Newborn Cotton Rich Assorted Design Socks, at Marks and Spenser
Fun and fashionable, these comfy cotton rich socks feature assorted design

Autograph Borden Small Stool, at MarksandSpencer
H44 x W147 x D54cm (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 an ebony 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

Cotton Blend Funnel Neck Zip-Up Tracksuit Jacket, at Marks and Spencers
Stylish and practical, this fashionable zip-up tracksuit jacket is ideal for workouts or relaxed casualwear

2 Big & Tall Cotton Rich °Climate Control Sleeveless Vests, at Marks & Spencer
Climate control fabric absorbs and stores body heat when you're too hot and releases the heat when you're too cold. The result is the perfect body temperature so you'll feel comfortable all day. The Outlast technology behind this innovative fabric was originally developed for astronauts and is recognised by NASA as Certified Space Technology

Square Half Frame Reading Glasses, at Mark's & Spencer
Comes in +1.25 to +3.0 strengths Square lenses Half frame Conforms to British Standard BSEN14139:2002

Floral Sketch Mum 60th Birthday Card, at Marks & Spenser
Cover text: Mum, 60 Today Inside message: Have a lovely birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

12 Piece Albany Dinner Set, at Marks and Spencer
12 piece set Includes 4 dinner plates, 4 side plates and 4 cereal bowls Dinner plates: Diam27cm Side plates: Diam23cm Bowls: H5.5 x Diam18cm Fine china, Manufacturer: Marks & Spencer

Newborn Pure Cotton Embroidered Jeans, at Marks and Spencer
Fashionable and practical, these cotton jeans are hardwearing and comfy. The embroidered design gives a cute look

Per Una 3/4 Sleeve Pocket Top, at Marks & Spencers
A casual 3/4 length sleeve top in a soft cotton blend. Front tie pocket detail gives it the Per Una touch

Côtes du Rhône 2007 - Case of 12, at Marks & Spencer
Style: Light bodied Grape variety: Grenache, Syrah Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Per Una Pure Cotton Spot Jaquard Pyjamas, at Marks and Spencer
Modern and feminine, these pretty spot jaquard pyjamas are made from soft pure cotton. So you can relax in comfort and style. Part of Per Una's sleepwear collection

Maxim Egg Cup, at Marks and Spencer
Egg cup Versatile fine dining range Plain porcelain Suitable for everyday use H6.5 x diam 5cm, Manufacturer: Marks & Spencer

2 Padded Non-Wired Plain Bras, at Marks and Spencer
Soft and comfortable, these plain bras are structured for secure support and an enhanced natural shape. Ideal for everyday wear

Dead Whisky Society - Limited Edition 1971 Single Highland Malt Scotch Whisky, at Marks & Spencer
37 year-old single highland malt cask-strength Scotch whisky Distilled in Scotland at the Banff distillery. Banff distillery operated from 1825 to 1983 and was demolished in 1985 Includes a certificate of authenticity as a Scotch Whisky issued by the Dead Whisky Society Bottled directly from the cask No added colourings or flavourings This whisky has not been diluted or chill-filtered. This gives the whisky a naturally cloudy appearance Each bottle is labelled by hand with the cask and bottle number Alcohol by volume: 53.3% Bottle: 70cl Order now for delivery from 1st December to 23rd December 2008 Price includes delivery Products containing alcohol can only be sold or delivered to people aged 18 and over. It is an offence for any person under 18 years to buy or attempt to buy alcoholic liquor Looking to place a corporate bulk order?. Click here This product is not available for international delivery. Find out more

Limited Collection Sleeveless Frill Front Blouse, at Marks and Spenser
Get the latest look in this trend-conscious sleeveless blouse featuring a frill front detail

3 Pure Cotton Long Sleeve Shirts, at M&S
This 3-pack of smart shirts is great value. They're made from pure breathable cotton, a natural choice for everyday wear

Cotton Blend Pleated Bedset, at Marks and Spencers
Co-ordinate with 50/50 white plain dye sheets and pillowcases strokes T352101F,T352101S,T352101P,T352101V Pleated design Single set includes single duvet cover (3ft) and 1 pillowcase Double set includes double duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Classic Collection Pure Cotton Floral Crinkle Blouse, at Marks & Spencer
Feminine and pretty, this floral print blouse will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Large Rose & Lily Bouquet Bundle with 50% Extra Roses Free, at Marks & Spensers
Receive 50% extra roses free on orders until 22nd August 2009 An elegant combination of stunning oriental lilies, roses, sweet akito with red top cordyline with 50% more blooms than the Rose and Lily bouquet. A vase and free 310g luxury Belgian chocolates make this an extra special giftAvailable for delivery between 1st April to 30th September 2009

Plan de Dieu Côtes du Rhône Villages, 2008 - Case of 12, at Marks & Spencer
Style: Medium bodied Grape variety: Grenache, Syrah and Carignan Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 12 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

Revo Blok Real Wood iPod® Speaker & Docking Station, at Marks & Spenser
Hand-made real wood cabinet Machined aluminium cabinet components 40 watts (2 x 20 watts) from Class D amplifier NXT Balanced Radiator speaker technology Compatible with all iPod models Includes full feature ergonomic remote control Full range of iPod dock adaptors Acoustic Configuration: Vented box with rear-firing port tuned to 65Hz Driver Unit: 2x 4.5" NXT Balanced Radiator full-range units utilising neodymium magnet systems Frequency Response: 55Hz to 20kHz (-6dB) Max SPL: >100dB SPL at 1m Power: Continuous 20W(RMS) per channel Sensitivity: 85dB 1W, 1m (per channel)

Pure Cotton Embroidered Denim Skirt with Tights, at Marks n Spencer
You will love this pure cotton denim skirt with a pair of tights. A practical, easycare style

Angle Stack Table Lamp with Faux Silk Shade, at M+S
Chrome plated base Triple stack stem Round base Cylinder shade Faux silk shade Dimensions: H61.5 x Diam 35.5cm Bulb: 60W ES or 11W CFL, Manufacturer: Marks & Spencer

Glitter Stripe Bedset, at Mark & Spencers
Glitter stripe design Single set includes duvet cover (3ft) and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size includes king size duvet cover (5ft) and 2 pillowcases Super king size includes duvet cover (6ft) and 2 pillowcases, Manufacturer: Marks & Spencer

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

• M&S Insurance: M&S Car Insurance, M&S Home 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 & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

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