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

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

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

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

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

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

Autograph Pure Cashmere V-Neck Jumper, at Marks and Spencer
This luxurious v-neck jumper is made from pure cashmere for ultimate softness and comfort. Innovative construction helps it to be machine washable. Part of our exclusive Autograph collection

Pure Cotton Short Sleeve Polo Shirt, at Marks and Spenser
A stylish smart-casual look, this short sleeve polo shirt in pure cotton features contrast stitching. Practical, comfortable and easycare

Per Una Drawstring Hooded Parka, at Marks and Spenser
A modern drawstring hooded parka featuring a water repellent finish

Mother's Day Painterly Floral Medium Gift Bag, at Marks and Spencer
Contains: 1 gift bag H260 x W200 x D90mm

Quadro Sei Single Estate Gavi 2008 - Case of 12, at Marks n Spencer
Style: Dry Grape variety: Cortese Country of origin: Italy Closure: Natural cork Suitable for vegetarians Bottle: 12 x 75cl. Alcohol by volume: 11.5% vol. Alcohol units per bottle:8.6 Alcohol units per 125ml:1.4 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Non-Stick Wok, at Marks & Spensers
Manufacturer: Marks & Spencer

Faux Fur Trim Hooded Jacket, at Marks & Spencers
Cute and cosy, this hooded jacket is made from soft fabric to keep her feeling comfy

Floral Print Hooded Snowsuit, at Marks and Spencer
Perfect for outdoor adventures, this snug snowsuit features a furry hood. Soft lining will keep her warm and comfy

Hedgehog Couple Anniversary Card, at Marks & Spencer
Cover text: Happy Anniversary Inside message: To you... Approx size: 175 x 125mm

Organic Cotton Fashion Eco Bag, at Marks & Spensers
Shop greener by using this organic cotton shopper instead of plastic carriers. The illustration was commissioned from eminent fashion illustrator David Downton, making this bag a must-have stylish accessory

Château Haut-Carmaillet 2004 - Case of 6, at Marks & Spensers
Style: Full bodied Grape variety: Cabernet Sauvignon, Merlot 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

Collezione Pure Wool Check 3 Button Jacket, at Marks & 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

Pure Cotton Denim Playsuit Outfit, at Marks & Spencers
Fun and fashionable, this easycare playsuit features pintuck details for a modern look

Handcrafted Letters Valentine Card, at Marks&Spencer
Cover text: One true Love Inside message: Happy Valentine's Day This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 150 x 150mm

2 Maternity Woven Stripe Bras, at Marks and Spencer
Crafted from pure cotton to provide the essential comfort you need during and after your pregnancy. Wide adjustable straps and added stretch create a flattering shape while offering gentle support. This pack contains 1 white and 1 black bra

Autograph Pure Cashmere Knitted Scarf, at Mark & Spencers
Indulge in a touch of luxury with this pure cashmere knitted scarf. It looks and feels gorgeous and comes in a range of beautiful colours so you'll be able to accessorise every outfit

Wood Photo Frame 10 x 15cm (4 x 6"), at Mark's & Spencer
Rectangular frame Removeable mount card H24.5 x W19cm Aperture: 10 x 15cm (4 x 6"), Manufacturer: Marks & Spencer

Pure Highway In-Car DAB Radio, at Marks & Spencers
20 DAB station presets ReVu™ to pause and skip back through live DAB radio quickSCAN to find free FM transmission frequencies Easy to install. No expertise required as Highway sends DAB Digital Radio directly to your car stereo via its FM transmitter Play your iPod or MP3 player through your car stereo Highway can be taken out of the car at the end of a journey and used as a personal DAB radio. (Requires two AA batteries and headphones - not included) Controls: Tune, Select, Lock, Menu, Play/Pause, Rewind, quickSCAN, 4 dedicated one-touch presets, 1 combined preset 4 FM transmit presets for instant tuning Magnetic flexible windscreen mount makes it easy to remove highway from the vehicle Add new features as they become available via USB Option to connect to your car stereo's auxiliary connector (if available) DAB scrolling text Green backlit LCD display with 16 x 2 characters Dimensions: W122 x H70 x D29mm Weight: 156g Aerial: High-sensitivity adhesive windscreen mount aerial. Battery power supply: 2 x AA batteries (not supplied) provide power adapter. 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

Pure Cotton 3 Piece Stripe Hooded Outfit, at Marks & Spencer
Smart and stylish, this 3-piece outfit gives a casual look and feels comfortable to wear

Autograph Short Sleeve Dobby Stripe Shirt, at Marks and Spencer
Casual and contemporary, this stripe shirt is part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make it exceptionally stylish and comfortable

Luxury Pure Cotton Long Sleeve Stripe Shirt, at Mark's & Spencer
Offering a timeless appeal, the soft twill finish of this pure cotton shirt provides easy to wear comfort, while the traditional cut makes it an essential part of any smart wardrobe

Per Una 3 Button Revere Collar Cardigan, at Mark's & Spencer
A feminine 3/4 sleeve cardigan featuring a revere collar. The 3 button fastening gives it the Per Una touch

Portfolio Faux Pearl Lustre Drop Earrings, at M&S
Drop style Diamant detail Faux pearl design For hygiene reasons, refunds will only be given in accordance with your legal rights

Luxury Pure Wool Tweed Single Breasted 2 Button Jacket, at Marks & Spenser
Beautifully designed, made from superior fabric and finished with careful attention to detail, this 2 button tweed jacket is exceptionally stylish and luxurious

Per Una Roma Cotton Rich Bootleg Trousers with Belt, at Marks & Spencer
A stylish pair of bootleg trousers in stretch cotton featuring a buckle belt

James Morrison - Songs For You, Truths For Me CD, at Mark's & Spencer
Audio CD, Marks & Spencer

Cover Up Drawstring Vest, at Mark & Spensers
Feminine and fashionable, this flattering cover up is designed in the latest shape. The ultimate in poolside glamour

Classic Ceramic Glass Shelf, at Marks & Spencer
Glass shelf Ceramic and stainless steel design Wall mounted H6 x W63 x D10cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Single Breasted Bound Edge Jacket, at Marks and Spencer
Chic and stylish, this single breasted jacket makes a great choice for work or smart occasions. It's machine washable for added convenience

3/4 Sleeve Mono Mosaic Print Tunic, at Marks and Spencers
This fashionable longer length top features a mono mosaic print design. A great way to get a fab modern look

M&S Money Direct 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 Property 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 Property 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 Direct Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.