There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks and Spencer 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 Marks & 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 Finance, 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 M & S are so useful. Marks & Spencer 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, Buildings Insurance policies. Usually, UK Buildings 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 Marks & Spencer Money Buildings 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 Marks & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks and Spencer Car Insurance, Marks & Spencer Money Credit Cards and other financial products, Marks & Spencer Money Buildings 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 Marks & Spencer Money 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 Spencers purchases are also protected while you take them home.

Also, on both Marks & Spencer Money Premier Buildings Insurance and Standard Buildings 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.

Pure Silk Piped Cushion With Recycled Filling, at Marks & Spencers
Square shape Plain L50 x W50cm, Manufacturer: Marks & Spencer

Handmade Letters Husband Birthday Card, at Marks & Spencer
Cover text: To my fabulous husband Inside text: Happy birthday Approx size: Unfolded: 230 x 114mm

Samsung 40'' LE40A558 HD Ready LCD TV, at MarksandSpencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch Widescreen LCD TV with a 1920 x 1080 resolution Contrast Ratios: Dynamic Contrast 30000:1 Integrated Digital and Cable Tuner: Provides access to all Freeview™ channels and radio stations (subject to coverage) and is cable TV ready (with supported providers only) Dimensions: W997 x D300 x H686mm (with stand) W99.7 x D92.1 x H641.5mm (without stand) Weight: 19.3kg (with stand) 16.4kg (without) SRS TruSurround XT: For enhanced surround sound effect Connectors: 1 x Headphone, 1 x S-Video, 1 x Composite(AV), 3 x HDMI, 1 x RF Input, 1 x Component(Y/Pb/Pr), 2 x Scart, 1 x PC Input (D-Sub), 1 x Optical sound out, 1 x RS232C (for Service only) DNIe+ Technology: The Digital Natural Image Engine produces images with incredible depth and density. Advanced contrast and detail enhancers combine to produce deeper richer lifelike colours Wide Colour Enhancer 2: Primary colours are strengthened to increase depth and intensity to show pictures in all their natural beauty Clear Panel: Prevents glare to keep images clean and clear Anynet+: The Anynet+ system allows control of a SAMSUNG Anynet+ TV via one single remote control 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: 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 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 Use wall mountT042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Delicious Everyday Drinking - Case of 12, at M & S
2 Sicilia Bianco 2008: Clean, fresh limey aromas with lively fruit on the palate. A really refreshing, fruit dry wine... 2 Face Face Colombard Sauvignon 2008: This is a tangy, rounded and lively style of wine, a delectably modern take on the traditional styles of white from south-west France... 2 Casablanca Sauvignon Blanc 2008: A lively, zesty dry white with an inviting, fresh, slightly grassy aroma and mouthwatering flavours of gooseberry, pear and melon... 2 Rosso di Puglia 2008: Ripe but soft Italian red wine, deeply coloured with rich blackberry and cherry notes and hint of toasted nuts... 2 La Croix d'Austran Bordeaux 2008: This is claret at a fantastic price but with that classic scented, earthy and tobacco-leaf character that is so typical of Bordeaux reds... 2 Casablanca Pinot Noir 2008: An exceptionally fruity, soft and moreish red wine that is aromatic with juicy flavours of cherry and mulberry... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Centre Crease Straight Leg Trousers, at M&S
Smart and stylish, these straight leg trousers make a great choice for work or formal occasions and they're machine washable for added convenience

Airflex™ Flexi Apron Lace-Up Shoes, at Mark's & Spencer
Square toe Apron stitch detail Lace-up 3 eyelets Low heel Unique Airflex™ airflow system for unbeatable comfort

Autograph Handkerchief Collection Tall Vase, at Marks and Spencer
Fluted opening Handkerchief design top Round base Smoked glass H49 x Diam 21.5cm, Manufacturer: Marks & Spencer

5 Pairs of Assorted Cotton Rich Trim Dress Socks, at Marks & Spencer
Comfortable, practical and fashionable, this 5 pack of trim dress socks is made with soft breathable cotton

Lightweight Stripe Scarf, at Marks and Spencer
Keep out the cold in style with this warm, soft scarf

Non Iron Short Sleeve Check Shirt, at Marks and Spenser
Smart and innovative, this easycare shirt has a special finish on the fabric and is cleverly constructed to make it non-iron. A great time saver, ideal for work wear

Plus Plain Full Slip, at Marks & Spencer
A fashion essential you can't do without! This slip enhances the look of dresses and stops them clinging or becoming see-through under light. All our slips are cling resistant and come in a number of lengths. Sizes 24-28 are exclusively available to our online customers

Formula Calming Day Lotion + Vitamin E, at Marks & Spencers
Especially formulated for sensitive skin Vitamin E - protects and cares for your skin Camomile - soothes your skin Allantoin - protects and cares for your skin Lightweight formula Absorbs quickly Hypoallergenic For all skin types No unnessary additives 100ml

iPod Nano Leather Flip Case, at Mark's & Spencer
Flip Case for iPod Nano, the stylish black leather case also features a handy popper fastening attachment allowing you to have easy access to your iPod. The leather case with its quality stitching protect your iPod in style. Compatible with all Apple iPod Nano's

Open Coil Sprung Nursery Mattress, at Marks and Spencers
L140 x W70 x D15cm Spring count: 90 Open coil sprung for extra support Cot bed not included Hygienic, moisture-resistant covering Suitable for the feet-to-foot sleeping position recommended by health professionals Fully conformed to current safety standards 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

Elastic Strap Mid Heel Shoes, at Marks and Spencer
Pointed toe Slip on Elastic strap Mid heel

Autograph Occasions Draped Grecian Style Wedding Dress, at Marks & Spencer
Feminine and elegant, this full length wedding dress is beautifully designed and detailed with a draped and pleated front and deep V at the back. An exclusive, luxurious look from Autograph for your wedding day

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

Low Rise Stripe Lace Trim Thong, at Marks and Spencer
Perfect for wearing under tight-fitting clothing, this lacy thong won't give you any visible panty lines. It's comfortable and flattering, and the low rise style is ideal for wearing under hipsters

Simi the Kitten & Butterflies Birthday Card, at Marks and Spenser
Cover text: Special Birthday Wishes! Inside message: Have a wonderful day! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 215 x 150mm

Cut Jewel Table Lamp, at Marks & Spencers
Pleated shade with bead trim Sphere table lamp design Round base H54 x Diam 22cm 40BC or 9W BC Energy saver, Manufacturer: Marks & Spencer

Big & Tall Pure Cotton Single Pleat Trousers, at Marks & Spencers
No more trips to the drycleaners! These smart, fashionable trousers can be machine washed and tumble dried. Perfectly proportioned for big and tall men

PlayStation®3 Tomb Raider: Underworld, at Marks and Spenser
Master your surroundings: Reach new heights with the broadest range of acrobatic abilities and utilize objects within the environment to uncover new paths to explore Explore epic and unknown worlds: Discover ancient mysteries of the underworld hidden within the coast of Thailand, frozen islands of the Arctic Sea, the jungles of Mexico, and more What Can Lara Do?: Lara's skill-set has been drastically expanded to incorporate actions you would expect of a fearless, athletic adventurer. Lara now performs 1700 moves and is a far more intuitive character to controlWhat Can Lara Do?: Lara's skill-set has been drastically expanded to incorporate actions you would expect of a fearless, athletic adventurer. Lara now performs 1700 moves and is a far more intuitive character to control Treacherous and unpredictable challenges: Each level is an elaborate multi-stage puzzle masked within an interactive environmental playground offering more flexibility over how the area is solved New range of combat options: Choose to pacify or kill, target multiple enemies at once with the new dual-target system, and shoot with one hand while suspended with the other New state-of-the-art gear: Utilize the latest technology in Lara's upgraded inventory to navigate the world including: Sonar map: A revolutionary new tool that emits an active sonar ping to create a 3D image of Lara's surroundings, perfect for uncovering hidden items and locations Multi-purpose grapple: A claw-like device with a high-tension cable designed for climbing, rappelling, performing wall runs and manipulating objects within the environment All-terrain motorbike: Built to handle everything from the jungles of Mexico to the icy glaciers of the Arctic 2007 Sony Computer Entertainment Europe 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 You must be 16 years of age or over to purchase this product This product is not available for international delivery. Find out more *Must be returned with the tamper seal intact for full refund, ESRB Rating: Mature

Limited Collection Frill front Blouse with Silk, at Marks & Spencer
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Per Una 3/4 Sleeve Floral Print Top, at Marks & Spencers
A fashionable floral print top featuring a pleat neck detail. A tie front feature gives it the Per Una touch.

Fairview Sauvignon Blanc Semillon 2008 - Case of 6, at Mark's & Spencer
Style: Dry Grape variety: 50% Sauvignon Blanc, 50% Semillon Country of origin: South Africa Closure: Screw cap Suitable for vegetarians and vegans Bottle: 6 x 75cl. Alcohol by volume: 13.5% vol. Alcohol units per bottle: 10.1 Alcohol units per 125ml: 1.7 Contains sulphites

Fox Gordon Brothers & Sisters Viognier 2008 - Case of 6, at Marks and Spencer
Grape variety: 91% Viognier, 9% Sauvignon Blanc Country of origin: Australia Closure: Screw cap Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 14% vol Contains sulphites

Puff Sleeve Pleated Front Jersey Top, at Marks n Spencer
Smart and stylish, this jersey top is made from softly draping stretch viscose for a fluid look. The puff sleeve adds a fashionable finishing touch

Autograph Pure Cotton Parisian Damask Duvet Cover, at Marks and Spencers
Floral design Comes in single (3ft), double (4ft 6in), kingsize (5ft) and super-kingsize (6ft), Manufacturer: Marks & Spencer

Cat Print Umbrella, at Marks and Spenser
Brighten up rainy days with this stylish lightweight umbrella

Luxury Wool Rich Flat Front Charcoal Herringbone Trousers with Cashmere, at Marks & Spencer
Over 20 hours of hand stitching goes into every one of these beautifully tailored suits. The exceptional craftsmanship, careful attention to detail and luxurious wool and cashmere blend fabric and make this suit stand out as a stylish modern classic

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spenser once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks and Spencers, through its Marks & Spencer Money website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Buildings Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.