There are lots of ways to save money using M&S Money. Not least of these is Mark's & Spencer Standard Motor Insurance. With M&S Money 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, which also has other features.

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

When you're shopping at Marks & Spencers 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. Offering everything from savings accounts and credit cards, to Home Insurance and Motor Insurance, there's a lot more going on at Marks and Spencer than you might imagine.

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

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 & Spencer are so useful. M&S Money financial products are, of course, designed to make Marks&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, 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 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 Home Insurance than you will anywhere else, and you may even pay less with M&S.

3 Aperture Photo Frame with Mount 10 x 15cm (4 x 6''), at Marks and Spencers
3 identical apertures Long rectangular frame Removeable mount card Aperture: 10 x 15cm (4 x 6in) H26.5 x W47cm, Manufacturer: Marks & Spencer

Multi Bead Necklace & Earring Set, at Marks and Spencer
2 part set Hook fastening drop earrings Clasp fastening multi strand necklace Assorted beads design For hygiene reasons, refunds will only be given in accordance with your legal rights

Big & Tall Linen Blend Single Breasted 2 Button Jacket, at Marks & Spensers
Specially proportioned for big and tall men, this linen blend jacket is designed to give a flattering, comfortable fit

Autograph Loretto 2 Left-Hand Chaise & Coffee Table/Footstool Set, at MarksandSpencer
3 piece set - 2 chaise longue and 1 combination Coffee Table/Footstoolfootstool Coffee Table/Footstool has a removeable top cushion. Can be used as a footstool or a coffee table All-weather synthetic rattan Silver-effect rattan Quick drying foam seat pad in 100% polyester Chaise dimensions: H62 x W200 x D97.5cm, seat H30.5cm Coffee Table/Footstool dimensions: H30.5 x W80.5 x L80.5cm Suitable for indoor or outdoor use *Save 30% when you buy this set. Individually 2047. Save 648. Cannot be used in conjunction with any other offer This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Pin Dot Underwired Padded Multiway Bra, at Marks & Spencer
Smooth and versatile, this pin dot bra is ideal for everyday wear. Underwiring and padding give an uplifted and enhanced natural shape

Silver Plated Diamanté Knot Stud Earrings, at Marks & Spencers
Butterfly stud fastening Diamant detail Knot design

Smooth Cup Padded Bra, at Mark's & Spencer
Sleek and stylish, this bra is perfectly smooth, so there are no visible outlines under clothing. Light padding and underwiring give an enhanced natural shape. Designed for women who want a streamlined silhouette

Sony Stamina Plus AA Alkaline Batteries - Pack of 4, at Marks and Spencer
Voltage (V): 1.5 Cells per pack: 4 Size: AA / LR6 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

DD-G Firm Control Lace Body, at Marks and Spencer
Look slimmer in seconds! This DD-G firm control body features a pretty lace trim design and gently shapes your figure all over for a smoother, sleeker silhouette

Domaine des Serres du Colombier 2007 - Case of 6, at Marks & Spencers
Style: Dry Grape Variety: Shiraz (Syrah) Country: France Closure: Natural cork Suitable for vegetarians and vegans 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

Philips ID9372B Cordless Phone with Answering Machine, at Marks and Spencers
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 Free intercom Registers up to 4 handsets to one base White backlit inverse display SIM-card copying facility GAP compatible Caller ID and microphone mute feature

Pure Cotton Washed Cargo Trousers, at Mark's & Spencer
Relaxed and comfortable, these pure cotton cargos feature multiple pockets. A practical easycare style

Collezione Pure Cotton Short Sleeve Check Shirt, at Marks & Spenser
Italian style is renowned for its attention to detail. Each collezione piece 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 shirt to give you a feeling of luxury like no other

Cotton Rich Stripe Vest, at Marks and Spencers
Pretty and feminine, this strappy vest features a stunning lace trim. The soft stretch cotton fabric gives a comfortable flattering fit

Formula Revival Cosmetox Night Cream, at Marks and Spencers
Proven results after four weeks Suitable for all skin types Hypoallergenic 50ml

Samsung 55'' LE55B650 TV HD Ready LCD Crystal TV™, at Marks and Spencer
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 55 inch LCD screen, 1920 x 1080 resolution Dynamic contrast ratio: Ultra Contrast Integrated Digital Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W131 x D30.8 x H89.4cm (with stand), W131 x D7.9 x H84.1cm (without stand) Weight: 37.2kg (with stand), 28.8kg (without stand) SRS TruSurround HD: SRS Trusurround HD & Dolby Digital Plus Connectors: 3 x HDMI , 2 x scart, 1 x RF Input, 1 x component, 1 x PC input, 1 x digital audio (Optical), Headphone jack 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 Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Nature du Rhône 2007, Côtes du Rhône - Case of 12, at Marks and Spencer
Style: Dry, medium bodied Country of origin: France Grape variety: Grenache, Syrah, Carignan, Cinsault Closure: Natural cork Suitable for vegetarians and vegans Bottle: 12 x 75cl. Alcohol by volume: 14% vol. Alcohol units per bottle: 10.5 Alcohol units per 125ml: 1.8 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Long Sleeve Polo Neck Jersey Top, at Marks and Spenser
Smart and stylish, this polo neck jersey top is made from softly draping stretch viscose for a fluid look.

Luxury Sandwich Platter, at Marks & Spenser
30 quarters Serves 6 - 8 Ready to eat 6 different fillings As featured on page 7 of the Food to Order brochure Order by 5pm to collect in 2 days Available for collection in the majority of our UK mainland stores

Long Length Cable Knit Cardigan & Pure Cotton Jersey Top, at Marks and Spencers
Modern and pretty, this long length cable knit cardigan and pure cotton spot print jersey top look fabulously fashionable worn together or separately

Butterfly Photo Frame 13 x 18 cm (5 x 7''), at Marks & Spencer
Rectangle shape Butterfly feature Aperture: 13 x 18cm (5 x 7''), Manufacturer: Marks & Spencer

Greatest Ever Romantic Comedies Collection Box Set, at Marks and Spencers
Rating Suitable for 12 years and over,

24 Mini Goat's Cheese & Mushroom Frittatas, at Marks & Spencers
24 pieces Serves 6 Ready to eat Serve hot or cold Suitable for freezing 672g total weight As featured on page 13 of 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 Short Sleeve Ditsy Lace Top with Camisole, at Marks & Spencer
A fashionable floral print top featuring a plain camisole, the crinkle design makes it extra stylish

Sony Stamina Plus 9V Alkaline Battery, at Mark's & Spencer
Voltage (V): 9.0 Cells per pack: 1 Size: 9V / 6LR61 Ideal for high power applications which require intense and durable energy such as portable hifi, toys & audio devices *Must be returned with the tamper seal intact for full refund

Footglove™ Leather Square Toe Ankle Boots, at M&S
Square toe Centre stitch detail Side zip fastening Ankle high Mid heel Heel height: 55mm Footglove™ soles are comfortable, highly flexible and lightweight Comes in sizes 3-8, including half sizes

Bamboo Tray, at Marks & Spenser
Rectangular design Raised border Cutout handles, Manufacturer: Marks & Spencer

In Bloom Orchid & Vanilla Eau De Toilette, at Marks and Spencers
Orchid and vanilla fragrance 100ml This product is not available for international delivery. Find out more

Griffin iClear for iPod Invisible Protection, at M&S
iClear's transparent and unobtrusive design protects your iPod with a tough polycarbonate shell, strong enough to take the daily abuse of active lifestyles

Parisian Chic Calendar, at Marks & Spencers
Approx. size: 225 x 390mm

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