There are lots of ways to save money using M&S Money Direct. Not least of these is Marks and Spencer Standard Motor Insurance. With M&S Money Direct you can keep the cost of your Motor 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 Motor Insurance cover from M&S Money Direct, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spenser, 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 Motor Insurance from Marks & Spencers Money, you get more, and you pay less.

Mark's & Spencer may not necessarily be the first name that springs to mind when you're thinking about renewing your Home Insurance or Motor Insurance, but Marks and Spencers 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 Direct website. With a simple, no-hassle service, you can compare features between a number of M&S Money products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Money Direct loans, credit cards or Home Insurance - besides a number of other insurance products, M&S Money Direct 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 Direct insurance products (Home Insurance, Motor 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 & Spencer insurance products in document format too.

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 & Spenser are so useful. M&S Money Direct 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, Home Insurance policies. Usually, UK Home 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 Direct Home 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 Direct Home Insurance than you will anywhere else, and you may even pay less with M&S.

4 Linen Mugs - Sage, at M&S
Set of 4 H 11cm Linen floral print, Manufacturer: Marks & Spencer

4 Whole Seabass with Chilli & Coriander Butter, at Marks and Spencer
Serves 4 4 pieces Ready to cook 1.2kg As featured on page 38 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Per Una 3/4 Sleeve Stripe Shirt with Silk, at Marks and Spencers
A fashionable 3/4 sleeve shirt in luxurious silk mix fabric featuring a stripe design

Hand Made Slippers Grandfather Card, at Marks&Spencer
Cover Text: Grandfather... put your feet up on your birthday! Inside Message: ...with a cup of tea and your favourite paper Approx size: 178 x 126mm

Collezione Exclusive Pure Cashmere Herringbone Jacket, at Marks and 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

Per Una Jersey Pencil Skirt with Belt, at Marks & Spencer
A modern pencil skirt featuring stitch detailing, the belt makes it extra stylish

Autograph Monroe Reclining Bedstead with TV Option, at Marks & Spenser
Headboard: H102cm Endboard: H96cm Underbed: H13cm Double: L246 x W144cm King size 5ft: L256 x W159cm Super king size 6ft: L256 x W189cm Mattress and TV sold separately Electronic motion bed with head and foot rest lifting at the touch of a button A sleek 32in flatscreen TV can appear and disappear from the foot of the bed M&S recommends a 32in Sony Bravia TV or a 32in M&S TV If the TV is purchased from M&S at the same time as this bed, your TV will be installed with the bed at the time of delivery Please note, additional connectivity cabling may be required Delivered flatpack due to size Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Football Skills Book, at Marks & Spencer
Power, pace and passion are important in football, but they can never be a substitute for good technique. In the heat of the game, it is the technically skilled players who always rise to the top

Clairault Cabernet Sauvignon 2005 - Case of 6, at Marks & Spencer
Style: Dry Grape variety: Cabernet Sauvignon Country of origin: Australia Closure: Screw cap Bottle: 6 x 75cl Alcohol by volume: 15% vol. Alcohol units per bottle: 11.3 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

Classic Underwired Small Leaf Embroidered Bra, at Marks and Spencer
Soft, feminine and versatile, this embroidered bra is ideal for everyday wear. It's underwired and shaped for an uplifted natural look

WowWee™ Femisapien™ Robot, at Marks & Spencer
RS Femisapien has 3 main function modes, each corresponding to a different head position. Tilt her head in the desired direction and her function mode will change! In Attentive Mode, RS Femisapien interacts directly with you. She will slow pose, be your back-up singer, introduce herself, dance with you, and even blow kisses In Learning Mode, teach RS Femisapien a sequence of movements that she can perform for you, up to 80 steps long! RS Femisapien is also pre-programmed with a number of precise functions and sounds that can be used as part of her program routine, including striking poses, holding and presenting thin objects such as business cards (not included) and blowing kisses! Responsive Mode is RS Femisapien's main walking mode; she can interact with your sounds or perform comedy routines. She will also detect objects at neck level, and stop when something is in her path. And, she can even respond to your hand gestures as you wave in front of her! RS Femisapien features responsive 4-way joystick hands. Each hand can be moved forward, backward, inward or outward to initiate various actions. Depending on Femisapien's head tilt, each hand position combination differs Acts as your own personal back-up singer with her "Shoop" feature. Sing aloud or play music, and when in range (within 3 feet /1 m) of any sound source, she will move her hips and arms to the music and sing a back-up tune Comes loaded with 36 functions and 20 interactive routines, so you will constantly be entertained. There are also 59 "hidden" functions to explore! RS Femisapien can communicate with, and even control, other WowWee robots, including the original Robosapien™! RS Femisapien will converse with you; speak clearly within approximately 3 feet (1 m) of her, and she will "chat" with you! Features a Standby Mode to conserve battery power RS Femisapien has four adjustable volume settings 5 x motors 4 x position switches in each joystick hand access up to 56 functions 1 x IR receiver 2 x IR transmitters 1 x microphone to detect words, music and sharp noises 1 x speaker with nearly 90 seconds of sound 2 x tilt sensors for forwards and backwards fall detection Ages: 8+ Dimensions: L10.2 x H38.1 x W20.3 cm Weight: 0.7 KG Batteries: 6 x AA alkaline not included 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 , Manufacturer: Marks & Spencer

Younger Boys' Pure Cotton Policeman Pyjamas, at Marks and Spencer
The policeman design makes these soft pure cotton pyjamas so much fun.

Pink Christening Cake (25 Portions), at Marks & Spencer
25 portions Fruit Cake: Made with vine fruits, nuts and cherries laced with brandy. Fruit cake is 20.5cm (diam) and weighs 3.12kg. Can be eaten up to 14 days after collection Sponge Cake: All-butter sponge filled with buttercream and raspberry jam. Sponge cake is 20.5cm (diam) and weighs 1.86kg. Can be eaten up to 5 days after collection Not suitable for nut allergy sufferers Suitable for vegetarians Comes in a box suitable for storing the cake before serving As featured on page 68 of the Food to Order brochure Order before 5pm to collect in 7 days Available for collection in the majority of our UK mainland stores

Embroidered Frosted Circle Shower Curtain, at Marks and Spencers
Embroidered frosted circle design L180 x W180cm, Manufacturer: Marks & Spencer

Per Una Pure Linen A-Line Skirt, at MarksandSpencer
A feminine A-line skirt in pure cool linen, featuring floral embroidery

Sunny Town People Set, at Marks and Spenser
4 sunny town people and dog Promotes imaginative play Suitable for ages 12+ months This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Footglove™ Elastic Trainers, at M&S
Round toe Elastic straps Stitch detail Flat sole Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Sketchy Farm Animals Multipack of Mini Cards, at Marks & Spencers
Pack Contains: 8 cards, 4 designs Cover text: Design 1: Thank you, Design 2: Thanks! Thanks! Thanks!, Design 3: Thank you very much!, Design 4: Thank you Inside Message: Blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 95 x 80mm

Limited Collection Pure Cotton Ruffle Front Tunic, at MarksandSpencer
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

Lurton La Chapelle 2006 - Case of 6, at Mark & Spensers
Style: Medium bodied Grape variety: Cabernet Sauvignon, Merlot Country of origin: France Closure: Natural cork 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 You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Animal Choker Necklace, at Marks & Spencer
Square chunky beads Animal print design Choker style Neclace length 41cm, extendable by 8cm

Large August Bouquet Bundle, at Marks n Spencer
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. A vase and free 310g luxury Belgian chocolates make this an extra special gift. Includes 50% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

Older Girls' Pure Cotton Shopping Bag, at Marks and Spencers
Stylish girls need to keep all their essentials to hand, so this heart print shopping bag is a must have!

Crook Handle Umbrella, at Marks and Spencers
Lightweight and easy to carry, this umbrella provides you with effective protection from those sudden downpours

LED Light Collection Flower, at Marks & Spenser
Ideal use for garden lighting Flower design Batteries supplied H5.5 x D9cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Spot Fleece Long Sleeve Dressing Gown, at Marks & Spencers
Wrap up and relax in this soft dressing gown featuring spots for a pretty look

Post Surgery Criss Cross Swimsuit, at M&S
Feminine and flattering, this swimsuit has been especially designed for a perfect fit and great support after surgery. Every element has been considered for maximum comfort against delicate scar tissue and it's been extensively tested so every part stays in place

Platinum Diamanté Royal Band Ring, at Marks and Spencers
Plain Band Diamant detail Cluster design

Leather Square Prong Skinny Belt, at Marks and Spencers
Add a smart finishing touch with this leather skinny belt

The Peg Trousers, at Mark's & Spencer
This catwalk-favourite shape is back again this season and set to stay. The peg is tapered through the leg and sits at the ankle for a modern silhouette. Great for showing off fabulous heels

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

Thinking that most Motor 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 Motor Insurance policy doesn't actually cover you for what you thought it did, or it takes your Motor Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Money Direct Motor Insurance is not like that at all, and when you compare M&S Motor 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 Motor Insurance (correct at May 2009), which are quite often not included with comparable Motor Insurance plans from companies such as Direct Line, Sainsbury's, 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 Motor 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 M&S Money Direct UK and European Breakdown Cover, since it covers you as a passenger too.