There are lots of ways to save money using M&S Financial Services. Not least of these is M+S Standard Car Insurance. With M&S Financial Services 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 Financial Services, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Car Insurance policies on offer from M&S, 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 Marks and Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks n Spencer 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, Household Insurance policies. Usually, UK Household 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 Financial Services Household 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 Financial Services Household Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks & Spenser Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household 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 M&S Financial Services 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 M&S Financial Services Premier Household Insurance and Standard Household 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.

Classic Duckling Medium Gift Bag, at Marks and Spencers
1 gift bag Approx size: H260 x W200 x D90mm

Ashbourne Recliner, at M&S
H99 x W112 x D105cm (Reclines to L173cm) Seat H49cm (all dimensions are approximate) Seat 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 Manual recline model 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™ - 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 08457 624 624 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

Collezione Apron Suede Lace-Up Shoes, at Marks and Spencers
Square toe Stitch detail Lace-up Block heel

Per Una Wooden Bead Cardigan, at Marks and Spencer
A casual 3/4 sleeve cardigan featuring bead embellishment and stripe design

5 Older Boys' Pure Cotton Classic Boxers, at Marks & Spenser
Cool and comfortable, these snug, pure cotton boxer shorts are a great choice for stocking up his everyday underwear drawer

Portfolio Cotton Rich Cropped Trousers, at Marks & Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Les Orris Blanc 2007 - Case of 6, at Marks&Spencer
Style: Dry Grape variety: Grenache Blanc, Macabeu, Grenache Gris, Carignan Blanc Country of origin: France Closure: Natural cork 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

Grandad Armchair Card, at Marks and Spencer
Cover text: Greatest Grandad Inside message: Happy Birthday FSC: This card is made with material from FSC certified sustainable forests. Protecting the worlds forests for the future Approx. size: 175 mm x 126 mm

Gold Plated Catseye Stud Earrings, at Marks & Spencers
Catseye design Butterfly fastening For hygiene reasons, refunds will only be given in accordance with your legal rights

Travel Overnight Bag, at Marks and Spenser
Fashionable and practical, this overnight bag is capacious but not bulky. It features a turn lock feature

Cotton Rich Stripe Vest Set, at Marks & Spenser
This fashionable stripe print bra is designed for a supportive and comfortable fit. The non-wired design is the best choice for first bras

Portfolio Pure Linen 3/4 Sleeve Blouse, at Marks & Spencer
Part of Portfolio's Shades of Paradise trend, featuring the earthy tones of nature combined with rich, tropical highlights. Elegant and feminine styling makes this a chic summer look

Slim Leg Zip Pocket Trousers, at MarksandSpencer
Slim and stylish, these trousers are cut to fit and flatter for a sleek modern look. Added stretch gives the perfect fit

3/4 Sleeve Ruched Jumper, at Marks & Spenser
Modern and stylish, this 3/4 sleeve jumper is a wardrobe essential

Pure Cotton Chino Shorts, at Marks & Spencer
A smarter take on a casual relaxed look, these pure cotton cargo shorts feature front pockets. A fashionable, easycare style

Philips ID9371B Cordless Phone with Answering Machine, at Marks & Spencer
250 name and number phonebook 50 SMS storage capacity 30 call log entries 15 minutes recording time Plug and play answering machine Call waiting Tone and pulse dialling Enhanced speakerphone for real-life hands-free conversations Talktime up to 12 hours, standby time up to 140 hours SIM-card copying facility GAP compatible Registers up to 6 handsets to 4 base Caller ID and microphone mute feature White backlit inverse display

Welcome Reds & Whites - Case of 12, at MarksandSpencer
1 Domaine Cambos Gros Manseng 2008 1 Miradou, Ctes de Provence Ros 2008 1 Domaine Lafage VdP des Ctes Catalanes 2007 1 Campo Bravo Rioja Vendimia Seleccionada 2007 2 Santa Gloria Chardonnay 2008 2 Ponticello, Pinot Grigio di Sicilia 2008 2 Santa Gloria Merlot 2008 2 Villagio, Negroamaro Puglia 2008 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 Animal Bead Rope Necklace, at Marks and Spencers
Rope necklace Mixed animal print bead design Necklace length: 49cm

Cotton Rich Multiway Underwired Follow On Bra, at Marks & Spencer
This simply styled great value bra is ideal for everyday wear. It's made from stretchy fabric for a supportive and comfortable fit. Designed as a follow on bra, the unique soft underwiring is perfect for girls who have been wearing our non wired bras for 2 years

Easy Aussie Whites - Case of 12, at Marks & Spenser
Lost Sheep Chardonnay 2008: A wonderfully fruity Australian Chardonnay, relatively light in style with fresh, succulent flavours... Australian Chardonnay 2008: This is a ripe, fruity, golden-hued Australian Chardonnay with fresh flavours of pineapple and yellow plum and a soft, buttery richness... Burra Brook Sauvignon Blanc 2008: A fresh, aromatic dry white which has the distinctive crisp flavour of Sauvignon Blanc... Pheasant Gully Chardonnay Semillion 2007: A fresh and zesty wine with fruity flavours of lemon and oranges and a richer creamy note... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Photographic Kite Dad Birthday Card, at Marks & Spenser
Cover Text: For a special dad Inside Message: With lots of love on your birthday Approx. Size: 230 mm x 114 mm

Coloured Spots Medium Gift Bag, at Mark & Spensers
Coloured spots medium gift bag with coordinating striped tag 1 gift bag Approx size: H260 x W200 x D90mm

Pure Cotton Funnel Neck Stripe Cardigan, at Marks and Spenser
Elegant and feminine, this 3/4 sleeve cardigan is made from pure natural cotton. A fabulous fashionable look

Cashmilon™ Long Sleeve Knitted Cardigan, at Marks and Spencer
Fashionable and flattering, this knitted cardigan is made from supersoft cashmilon™ and features a deep v-neck

Plain Low Rise Bikini Bottoms, at Marks and Spencer
Sleek and stylish, these flattering tankini bottoms are designed in the latest shape.

Perfect Silver-Plated Photoframe 10 x 15cm (4 x 6''), at Marks n Spencer
Rectangular shape Double mount Removeable mount card Aperture: 10 x 15cm (4 x 6''), Manufacturer: Marks & Spencer

Craft Letters Uncle Birthday Card, at Marks & Spencer
Cover Text: Uncle, Many happy returns Inside Message: With love Approx size: 175 x 127mm

Perfect Leather Square Buckle Belt, at Marks & Spencers
Simple and stylish, in soft luxurious leather, you can wear this belt with jeans or a suit

Older Boys' Limited Knitted Beanie Hat, at Marks and Spencer
Warm and comfy, this knitted beanie hat is ideal for chilly days

2 Easycare Assorted Shirts & Tie Set, at Marks & Spencers
Smart style for less! This pack of 2 shirts and tie is outstanding value

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

Whether you're looking for savings products or M&S Financial Services loans, credit cards or Household Insurance - besides a number of other insurance products, M&S Financial Services 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 Financial Services insurance products (Household Insurance, Car 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 Mark & Spencers insurance products in document format too.